Virginia · Maryland · Washington, DC
Mortgage Broker in Virginia, Maryland & DC
- Licensed in VA, MD & DC
- 14 counties, 40 town pages
- 8 languages
From move-up buyers in Fairfax County to first-time buyers in Prince George's, one file can reach many lenders. SAI Mortgage is an independent mortgage broker in Virginia, Maryland and DC, based in Vienna and working in eight languages.
Office
8000 Towers Crescent Dr, Suite 210
Vienna, VA 22182
Phone
(703) 752-1805- HoursMon to Fri, 9 AM to 6 PM
- WeekendsClosed
- Languages8, including Spanish
- NMLS179997
Where we lend
Northern Virginia, suburban Maryland and every ward of Washington, DC
Open in Google Maps- 3Jurisdictions licensed
- 14County and city hubs
- $1,249,1252026 DC-metro loan limit
- 8Languages spoken
FHFA 2026 one-unit ceiling for Washington-metro counties. Baseline limit elsewhere is $832,750.
Choose your county
Find your county
Each county page has its own 2026 loan limit, tax rate, market data and town pages. Start with the county where you are buying; our mortgage broker in Virginia, Maryland and DC team covers all of them.
Virginia
Fairfax County
Jumbo and high-balance loans from Great Falls to Lorton, plus VA loans along the Fort Belvoir corridor.
Mortgage broker in Fairfax CountyPrince William County
First-time buyers, FHA and VA loans for Quantico families in Woodbridge, Manassas and Gainesville.
Mortgage broker in Prince William CountyLoudoun County
New construction and move-up homes in Ashburn, Brambleton and Leesburg.
Mortgage broker in Loudoun CountyArlington County
Condos near the Metro and federal and cleared buyers close to the Pentagon.
Mortgage broker in Arlington CountyCity of Alexandria
Old Town rowhouses, West End condos and PCS moves to the Pentagon.
Mortgage broker in City of AlexandriaStafford County
Quantico families and first-time buyers south of the Occoquan.
Mortgage broker in Stafford CountySpotsylvania & Fredericksburg
Affordable family homes and USDA-eligible areas off I-95.
Mortgage broker in Spotsylvania & FredericksburgMaryland
Montgomery County
Physicians near NIH and Walter Reed, and families from Bethesda to Germantown.
Mortgage broker in Montgomery CountyPrince George's County
FHA buyers and rental investors in Hyattsville, Bowie and Laurel.
Mortgage broker in Prince George's CountyHoward County
Move-up and physician buyers in Columbia and Ellicott City.
Mortgage broker in Howard CountyAnne Arundel County
Naval Academy and Fort Meade families in Annapolis and Glen Burnie.
Mortgage broker in Anne Arundel CountyFrederick County
USDA-eligible areas and first-time buyers north of the Beltway.
Mortgage broker in Frederick CountyCharles County
Rural-area and military buyers in Southern Maryland.
Mortgage broker in Charles CountyWashington, DC
Washington, DC
Federal workers and condo buyers from Northwest to Capitol Hill.
Mortgage broker in Washington, DCLoan programs
One application, every major loan type
The loan that wins in Arlington is rarely the one that wins in Frederick. Here is what buyers across the region use most.
Jumbo loans
Above $1,249,125 in the Washington metro, a jumbo loan takes over. Common in McLean, Great Falls, Bethesda and Potomac.
About jumbo loansVA loans
Pentagon, Fort Belvoir, Quantico, Fort Meade and Joint Base Andrews all sit inside our map. VA loans need $0 down with full entitlement.
About VA loansFHA loans
3.5 percent down and flexible credit, popular in Prince William, Prince George's and Stafford.
About FHA loansFirst-time buyer loans
Low down payment loans plus a check on which Virginia, Maryland or DC programs can stack on top.
About first-time buyer loansSelf-employed loans
Qualify on 12 to 24 months of bank deposits when your tax return undersells your income.
About bank statement loansITIN and foreign national
For buyers without a Social Security number or with income from abroad.
About ITIN mortgagesWhy us
Three jurisdictions. One team. Many lenders.
Rules change at the Potomac. Transfer taxes, first-time buyer programs and even loan limits differ between Virginia, Maryland and DC. As a licensed mortgage broker in Virginia, Maryland and DC, we handle all three from one office.
Licensed on both sides of the river
NMLS 179997 covers Virginia, Maryland and the District. A move from Arlington to Silver Spring does not mean a new lender.
County limits, checked on every file
We confirm the exact 2026 limit for your county before you tour, so you know where conforming ends and jumbo begins.
Eight languages, one loan officer
Spanish, Urdu, Punjabi, Hindi, Bangla, Farsi, Arabic and English. The person you call stays on your file.
No credit check to start
We ask how you earn first. Credit is pulled only when you decide to move forward.
Across the region
Prices spread wide across the DMV
The same metro holds very different markets. Zillow put the typical Vienna home near $1,176,798 in July 2026, while the typical Woodbridge home sat near $504,489 and the Virginia average near $418,375.
Loudoun County averaged $809,557 in June and Fairfax County $760,599 in August. Every one of these markets sits under the $1,249,125 Washington-metro limit, so most buyers can stay conforming. A mortgage broker in Virginia, Maryland and DC should show you where that line falls for your home.
Typical home value by market
Zillow Home Value Index, 2026
- Vienna, VA$1,176,798
- Loudoun County, VA$809,557
- Fairfax County, VA$760,599
- Annandale, VA$687,377
- Woodbridge, VA$504,489
- Virginia statewide$418,375
Who we help
Which one sounds like you?
Most calls to our team start with one of these four, whichever side of the river the house is on.
"We have outgrown the townhouse, and every single-family home we like is over $900K."
That is a high-balance or jumbo question. We show you where your county's limit sits and what each side costs.
Conforming vs jumbo"I am on a work visa, and my parents want to help with the down payment."
Gift funds from family can work with the right paper trail. We explain it in Urdu, Hindi, Punjabi, Bangla or English.
Foreign national mortgages"My orders say Fort Meade, but my spouse works in Arlington."
We can compare a VA loan in Maryland against one in Virginia, then time the closing to your report date.
VA loans"I own my company, and my tax return shows almost nothing."
Your deposits tell the real story. Bank statement loans qualify you on what goes into the account.
Bank statement loansWhere rules differ
Virginia, Maryland and DC are not the same
Searching for a mortgage lender near me across state lines? Here is what changes when you cross the Potomac, and what our mortgage broker in Virginia, Maryland and DC team checks for you.
Virginia
State housing programs can help eligible first-time buyers, and Virginia exempts a qualifying 100 percent disabled veteran's home from real estate tax.
Virginia first-time buyer programsMaryland
The Maryland Mortgage Program has its own income and purchase price caps, and transfer and recordation taxes vary by county. We price them into your closing costs.
Maryland Mortgage ProgramWashington, DC
DC runs its own assistance for eligible first-time buyers, and condos make up much of the market. We check building approval early.
Condo mortgagesMeeting in person
Getting to our Vienna office
Most files close without an office visit. If you want to sit down with a mortgage broker in Virginia, Maryland and DC, our office sits beside Tysons, near I-495 and the Dulles Toll Road. Times below are estimates outside rush hour.
- From downtown DCI-66 west to VA-7, TysonsAbout 25 min
- From BethesdaI-495 south across the American Legion BridgeAbout 20 min
- From WoodbridgeI-95 north to I-495 northAbout 35 min
- From AshburnDulles Toll Road east to TysonsAbout 25 min
Before you apply
Worth a read first
What buyers across the region read before choosing a DC mortgage broker or a Virginia lender.
- Conforming vs jumboWhere the limit changes the loan
- VA loan limits in NoVAFairfax, Loudoun and Arlington
- Maryland Mortgage ProgramFor Maryland first-time buyers
- Credit score to buy in VirginiaWhat lenders look for
- Mortgage preapprovalBe ready before you tour
- Detailed payment calculatorAdd taxes and insurance
Find out what you qualify for
Start with your county, finish with one lender
Tell us where you are buying and how you get paid. We will send what you qualify for, free and in writing, with the loan limit for your county already checked. Looking for home loans in Maryland or a mortgage broker Northern Virginia buyers trust? Same team.
Call (703) 752-1805 to reach a mortgage broker in Virginia, Maryland and DC directly, Monday to Friday, 9 AM to 6 PM. Already have paperwork? Upload your documents securely.
SAI Mortgage, Inc. NMLS 179997. Licensed in Virginia, Maryland and the District of Columbia. Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, property review and program guidelines. Loan limits, tax rates and market figures are for 2026 and may change.
FAQ
Buyers across the region ask us
Which areas does SAI Mortgage serve?
We lend across Virginia, Maryland and Washington, DC. That includes 14 counties and county-level cities, from Fairfax and Loudoun to Montgomery, Prince George's and all of DC. Pick your county above to see local limits and market data.
Is the 2026 loan limit the same everywhere you lend?
No. Counties in the Washington metro area carry the 2026 one-unit ceiling of $1,249,125 for conforming and FHA loans. Counties outside the Washington metro, such as Howard and Anne Arundel in the Baltimore area, have their own limit, which we confirm on your file.
What is the difference between a mortgage broker and a bank?
A bank can only offer its own loans. A mortgage broker in Virginia, Maryland and DC like SAI sends one application to many lenders and brings the offers back to you in writing, so you can compare them side by side.
Are first-time buyer programs different in Maryland, Virginia and DC?
Yes. Each has its own programs and rules. We check which ones fit your income and county before you write an offer. Maryland buyers can start with our Maryland Mortgage Program guide.
Which languages do you speak?
Eight: English, Spanish, Urdu, Punjabi, Hindi, Bangla, Farsi and Arabic. The loan officer who speaks with you handles your file to closing.
Do I have to visit your office?
No. Most files across all three jurisdictions close by phone and secure document upload. You are welcome to visit our Vienna office any weekday from 9 AM to 6 PM.