State of Maryland
Mortgage Broker in Maryland
- Licensed in Maryland
- 6 counties, 11 town pages
- Two sets of loan limits
From Bethesda and Silver Spring to Annapolis, Columbia and Southern Maryland, SAI Mortgage lends across the state's DC and Baltimore suburbs. As a Maryland-licensed mortgage broker in Maryland, we plan for Maryland's programs, closing taxes and two different loan limits.
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 and Hindi
- NMLS179997
Where we lend
Suburban Maryland, from Montgomery and Prince George's to Howard, Anne Arundel, Frederick and Charles counties
Open in Google Maps- $1,249,125Limit: DC-metro counties
- $832,750Limit: Howard and Anne Arundel
- $627KTypical Montgomery home
- 6Maryland county hubs
FHFA 2026 one-unit limits. Zillow Home Value Index through 30 June 2026.
Where we lend
Maryland counties we serve
Pick your county for local prices, programs and town pages. Our mortgage broker in Maryland team covers all six.
Loan programs
Loans Maryland buyers use most
Physicians, federal workers, visa holders and first-time families make up most of the market. Maryland home loans need to fit each.
First-time buyer loans
We check the Maryland Mortgage Program and county help, like Pathway to Purchase in Prince George's.
About first-time buyer loansFHA loans
3.5 percent down with flexible credit, up to each county's FHA limit.
About FHA loansVA loans
Fort Meade, Joint Base Andrews, the Naval Academy and Walter Reed are all nearby.
About VA loansJumbo loans
Bethesda, Potomac and Howard County often cross their loan limits.
About jumbo loansPhysician loans
Doctors at NIH, Walter Reed and county hospitals can buy with little down.
About physician loansITIN and foreign national
Visa holders, ITIN borrowers and buyers with income abroad.
About ITIN mortgagesWhy us
Maryland rules, handled from day one
Maryland is not Virginia with different signs. As a mortgage broker in Maryland, we plan for its closing taxes, programs and two loan-limit zones, and put every offer in writing.
Two loan limits, checked first
Howard and Anne Arundel use $832,750. Montgomery, Prince George's, Frederick and Charles use $1,249,125.
Transfer taxes, planned
First-time Maryland buyers pay no share of the state transfer tax on an owner-occupied home. County taxes still apply.
Hindi, Urdu, Spanish and more
The loan officer who speaks with you in your language stays on your file to closing.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Maryland market
DC suburbs and Baltimore suburbs
Zillow placed typical values near $627,198 in Montgomery, $514,257 in Anne Arundel, $509,006 in Frederick and $430,494 in Prince George's in mid-2026. Ellicott City in Howard County ran near $748,152.
Because Howard and Anne Arundel sit in the Baltimore metro, their loan limit is $832,750, not $1,249,125. A mortgage broker in Maryland should check your county before you set a price range.
Typical value by Maryland county
Zillow Home Value Index, 2026
- Prince George's County$430,494
- Waldorf (Charles County)$436,633
- Frederick County$509,006
- Anne Arundel County$514,257
- Montgomery County$627,198
- Ellicott City (Howard County)$748,152
Taxes and closing costs
What changes in Maryland
Maryland adds costs and programs Virginia buyers do not expect.
Baltimore-metro limit
Howard and Anne Arundel. FHA caps at $747,500 there.
DC-metro limit
Montgomery, Prince George's, Frederick and Charles.
Closing taxes
State and county transfer and recordation taxes, with a first-time buyer break on the state share.
FHFA and HUD 2026 limits as summarized by lenders; confirm against official tables. We confirm taxes for your exact address.
Who we help
Which one sounds like you?
Most calls about Maryland home loans start with one of these four.
"We are H-1B researchers at NIH."
Conventional loans often work with valid work authorization.
Getting a mortgage"Queremos comprar en Silver Spring."
FHA and Maryland programs can lower what you bring. Call and ask for Spanish.
Maryland Mortgage Program"I have orders to Fort Meade."
VA loans can mean $0 down. We time your closing to your report date.
Getting your VA COE"The Clarksville house is $950,000."
In Howard County, that is a jumbo with 10 percent down. We show your options.
Conforming vs jumboMeeting in person
Maryland to our Vienna office
Most Maryland files close by phone and secure upload. If you want to sit down with a mortgage broker in Maryland, we are across the American Legion Bridge. Times below are estimates outside rush hour.
- From BethesdaI-495 south across the Legion BridgeAbout 20 min
- From Silver SpringI-495 west to TysonsAbout 30 min
- From ColumbiaUS-29 to I-495 westAbout 50 min
- From AnnapolisUS-50 west to I-495About 55 min
Before you apply
Worth a read first
Guides Maryland buyers read before searching for a mortgage lender near me.
Other locations
Buying in Virginia or DC?
Your mortgage broker in Maryland team also lends across Virginia and Washington, DC. See every county from our locations page.
Find out what you qualify for
Know your Maryland numbers before you offer
Tell us your county and how you get paid. We will send what you qualify for, with Maryland closing taxes included, free and in writing. Every Maryland first time homebuyer file gets a program check.
Call (703) 752-1805 to reach a mortgage broker in Maryland 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
Maryland buyers ask us
Is SAI Mortgage licensed in Maryland?
Yes. SAI Mortgage, NMLS 179997, is licensed in Maryland, Virginia and DC. As a mortgage broker in Maryland, we work by phone and secure upload from our Vienna office.
Why are there two loan limits in Maryland?
Counties in the Washington metro (Montgomery, Prince George's, Frederick, Charles) use $1,249,125 for 2026. Howard and Anne Arundel sit in the Baltimore metro and use $832,750.
Can I use the Maryland Mortgage Program?
Often, yes, if you meet its income and price limits. We check before you set a budget.
Do first-time buyers pay transfer tax in Maryland?
First-time Maryland buyers of an owner-occupied home pay no share of the state transfer tax. County taxes still apply.
Can H-1B holders buy in Maryland?
Often, yes, with a conventional loan and valid work authorization. HUD ended FHA eligibility for non-permanent residents in 2025.
Which languages do you speak?
Eight: English, Spanish, Urdu, Punjabi, Hindi, Bangla, Farsi and Arabic.