Buy the home. Even if a bank said no.
Banks check your income one way. We check it five ways. So people banks turn down often get a yes with us.
Takes about 2 minutes. No credit check to start.
- You own a business and write a lot off
- You get paid on 1099 or by commission
- You have no W-2 and no tax returns to show
- You are new to the country
- You want a rental to pay for itself
- A bank already turned you down
We are an independent mortgage broker. That means we shop many lenders for you, instead of selling you one bank’s loan.
Licensed mortgage broker · NMLS 179997
Office in Vienna, Virginia
We speak 8 languages
Which one sounds like you?
Pick the one closest to your situation. It takes you straight to the right loan.
I own a business
Your write-offs make your income look small. We can use your bank deposits instead.
I am buying my first home
You do not need 20% down or perfect credit. You can start at 3.5% down.
I served in the military
Buy with $0 down and no monthly mortgage insurance. We close around your orders.
I want to buy a rental
The rent can pay for the loan. We do not need to look at your personal income.
I am new to the country
No Social Security number? You can still buy. We will explain it in your language.
I get paid 1099 or commission
Your pay changes month to month. That is fine. We look at what you really earn.
SAI Mortgage, Inc.
Is committed to helping you find the right mortgage product for your needs, whether you’re exploring a home mortgage loan, considering a home mortgage loan in Virginia, or comparing other financing options. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements, ensuring you receive guidance that fits your unique financial goals.
Five ways to prove you can pay
A bank has one. If your paperwork does not fit it, they stop. We just use a different one.
Tax returns
The normal way. Cheapest, when it works.
A letter from work
Your employer confirms your pay.
Bank deposits
12 to 24 months. No tax returns.
Your accountant
A profit and loss sheet is enough.
The rent
The property pays for itself.
Three steps. That is it.
Most people are pre-approved within two days.
Tell us how you get paid
A short call, in your language if you like. No credit check yet.
We shop it for you
We check many lenders and send you what you qualify for, in writing.
You get the keys
We handle the rest and close on the date you need.
Nine programs. One application.
Whatever your income looks like, one of these fits it.
Conventional
Competitive rates and a pre-approval that holds up in a bidding war.
Bank statement
Qualify on 12–24 months of deposits. No tax returns required.
Profit & loss
A CPA-prepared P&L statement is enough to qualify.
WVOE
Employer verification instead of the paper trail.
DSCR
Qualify a rental on its own cash flow. LLC title welcome.
FHA
From 3.5% down, with flexible credit requirements.
VA
$0 down, no PMI, closings built around your orders.
USDA
100% financing on eligible rural Virginia properties.
ITIN
Home financing without a Social Security number.
Your mortgage, in your language.
Buying a home in a second language is hard enough without a lender who doesn’t understand how your family actually buys — pooled income, gift funds from relatives, a credit file that only started when you arrived. Not a translation line. The person handling your loan.
Licensed in Virginia, DC and Maryland.
From our office in Vienna, we serve buyers across the Commonwealth — and your file follows you if you move across state lines.