Most people start their mortgage search with their bank, but a bank offers only its own loan products and guidelines.
SAI Mortgage works differently. As an independent mortgage brokerage, we work with a network of wholesale lenders to find financing that fits your unique situation. Whether you’re self-employed, a veteran, an H-1B holder, or buying with an ITIN, we shop the options for you—helping turn complex situations into real opportunities.
Saleem Khan has been placing mortgages in this region for thirty years — long enough to have worked through the 2008 collapse, the refi booms, and every tightening and loosening of underwriting rules in between.
He founded SAI Mortgage (NMLS 179997) on a conviction formed early in that career: that a great many creditworthy families were being turned down not because they couldn’t afford a home, but because the person reading their file had never seen an income like theirs. Thirty years of watching that happen is why SAI is a brokerage rather than a bank — so that a self-employed borrower, a veteran, or a family newly arrived in the country gets their file taken to the lender whose rules actually fit, instead of hearing one institution’s no and assuming it was final.
Saleem Khan works directly with clients out of the Vienna office and handles calls in Urdu, Punjabi, Hindi and English. He is reachable at (703) 980-1663 or saleem@saimortgage.com.
To open the door to homeownership for the buyers the traditional mortgage system was never designed to serve — by shopping the whole lender market on their behalf, and by explaining every step in the language they think in.
Three commitments sit underneath that sentence:
One application, one credit pull, one point of contact. We take your file to the wholesale market and come back with real options and the honest trade-offs between them — not one offer presented as though it were the only one.
Self-employment income, rental income, foreign assets, gaps in American credit history, a visa with a renewal date on it — these are ordinary facts about how people in this region actually earn and live. They require a lender who knows where to place the loan. They do not require an apology.
If you can’t explain your loan to your spouse or your parents after we’ve walked you through it, we haven’t finished the job.
The recommendation comes after we’ve seen what the market will actually do for your file — never before.
If a program doesn’t fit, we’ll tell you upfront—not weeks later. You’ll get a clear answer and a better option when available.
We support eight languages, helping every borrower understand their loan clearly and confidently.
Rate, points, lender fees, mortgage insurance, and what changes if rates move before you close. In writing.
As a broker, our duty runs to you. That’s not a marketing line — it’s the structural difference between a broker and a bank’s loan officer.
We’re a generalist brokerage with genuine depth in the files most lenders find difficult:
VA purchase, IRRRL, cash-out and VA jumbo, including PCS timelines into Pentagon, Fort Belvoir, Quantico and Fort Meade.
Including down payment assistance through Virginia Housing, the Maryland Mortgage Program and DC HPAP.
Bank statement, P&L and asset-based programs for borrowers whose tax returns don’t tell the whole story.
Jumbo and high-balance financing across Fairfax, Loudoun, Arlington and Montgomery counties.
H-1B, L-1, E-2 and ITIN borrowers, including buyers purchasing from overseas.
Up to 100% financing with student debt treated realistically.
DSCR financing qualified on the property’s rent, not your personal DTI.
Reverse mortgages and HECM for Purchase, explained plainly and without pressure.
SAI Mortgage is licensed in Virginia, Maryland and Washington, DC. From our office in Vienna we serve buyers across Northern Virginia — Fairfax, Prince William, Loudoun and Arlington counties and the City of Alexandria — as well as the I-95 corridor, Hampton Roads, Richmond and the Shenandoah Valley, plus Montgomery and Prince George’s counties in Maryland and the District.
Knowing these markets matters more than it sounds. County loan limits, condo warrantability in the Tysons high-rises, USDA-eligible pockets past Manassas, which HOAs will hold up a closing — that’s local knowledge, and it’s the difference between a smooth file and a surprise two weeks before settlement.
We say this early and often because for a large share of our clients it’s the reason they called. Buying a home is the largest financial commitment most families ever make. Doing it in your second or third language, under time pressure, with terms that don’t translate cleanly, puts you at a disadvantage that has nothing to do with your ability to repay the loan.
You can have that conversation with us in the language you think in — with the person handling your loan, not a translation line.
There’s no cost to find out where you stand, and a conversation doesn’t commit you to anything.
Monday–Friday, 9:00 AM – 7:00 PM