Anne Arundel County, Maryland
Mortgage Broker in Anne Arundel County, MD
- $0 down VA near Fort Meade
- Cleared and federal workers
- Licensed in Maryland
Anne Arundel is home to Fort Meade, NSA, the Naval Academy and BWI, and to many buyers with a clearance, a uniform or both. SAI Mortgage is a Maryland-licensed mortgage broker in Anne Arundel County that knows VA loans, federal pay and the county's Baltimore-metro 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
- NMLS179997
Where we lend
All of Anne Arundel County, from Annapolis and Severna Park to Glen Burnie, Odenton, Crofton and Pasadena
Open in Google Maps- $514KTypical county home
- 8 daysTypical time to pending
- $832,7502026 conforming limit
- $747,5002026 FHA limit
Zillow Home Value Index and market data through 30 June 2026. 2026 Baltimore-metro one-unit limits.
Where we lend
Anne Arundel areas we cover in depth
Our Annapolis and Glen Burnie page covers local prices and neighborhoods. Our mortgage broker in Anne Arundel County team lends everywhere else in the county too.
Loan programs
Loans that fit how Anne Arundel buys
Military orders, cleared contracts and waterfront prices shape most files. Anne Arundel County home loans have to fit all three.
VA loans
A VA loan Fort Meade service members use means $0 down with full entitlement and no monthly mortgage insurance.
About VA loansJumbo loans
Waterfront homes near Annapolis and Severna Park often pass $832,750. We compare jumbo options.
About jumbo loansFirst-time buyer loans
Maryland Mortgage Program help can apply within its limits.
About first-time buyer loansFHA loans
3.5 percent down up to the $747,500 FHA limit.
About FHA loansDSCR rental loans
Rentals near Fort Meade and BWI are in steady demand. DSCR loans qualify on the rent.
About DSCR loansRefinance and cash-out
Veterans can often refinance with VA streamline or cash-out options.
About refinancingWhy us
Orders, clearances and the county line, handled
A lender used to Washington-metro limits can misjudge Anne Arundel. As a Maryland-licensed mortgage broker in Anne Arundel County, we start from the $832,750 limit and show every option in writing.
Closings timed to your orders
Fort Meade and Naval Academy report dates do not move. We schedule around them.
Contractor pay, read correctly
Cleared contractors change employers often. We document continuity the way lenders want.
Waterfront near the limit
A modest waterfront home can still cross $832,750. We show you the jumbo line early.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Anne Arundel market
Fast sales, a Baltimore-metro limit
Zillow placed the typical Anne Arundel County home near $514,257 in June 2026, up 0.8 percent in a year, with homes going pending in about 8 days. The median sale price was $496,081, and average rent was about $2,337.
The county uses the $832,750 conforming limit and a $747,500 FHA limit, lower than Prince George's or Montgomery. A mortgage broker in Anne Arundel County should check where your price falls before you tour the water.
Down payment on a $514,257 home
Program minimums before closing costs
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$15,428
- FHA, 3.5%$17,999
- Conventional, 20%, no PMI$102,851
Taxes and closing costs
What changes in Anne Arundel
Anne Arundel sits in the Baltimore metro, not the Washington metro. Here is what that means.
Conforming limit
Loans above this are jumbo. Prince George's and Montgomery use $1,249,125.
FHA limit
FHA loans cap here for one-unit homes for 2026.
State and county closing taxes
First-time Maryland buyers pay no share of the state transfer tax on an owner-occupied home. County taxes still apply, and Annapolis adds a city rate.
2026 FHFA and HUD one-unit 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 Anne Arundel County home loans start with one of these four.
"I have orders to Fort Meade and want to buy in Odenton."
Start with your Certificate of Eligibility. We can often order it for you.
Getting your VA COE"I just switched contractors but kept my clearance."
Lenders look at job continuity. We document it the right way.
Getting a mortgage"The Severna Park house on the creek is $900,000."
With 10 percent down, that is a jumbo here. We show what staying conforming takes.
Conforming vs jumbo"Does BAH count toward my loan?"
Often, yes. Lenders can count it as income with the right documents.
BAH as incomeMeeting in person
Anne Arundel to our Vienna office
Most Maryland files close by phone and secure upload. If you want to sit down with your mortgage broker in Anne Arundel County, we are about an hour away. Times below are estimates outside rush hour.
- From AnnapolisUS-50 west to I-495About 55 min
- From OdentonMD-32 to I-95 and I-495About 55 min
- From Glen BurnieI-97 to I-95 and I-495About 60 min
- From CroftonUS-50 west to I-495About 50 min
Before you apply
Worth a read first
Guides Anne Arundel buyers read before searching for a mortgage lender near me.
Other locations
Buying outside Anne Arundel?
Your mortgage broker in Anne Arundel County team also lends in 13 more counties and cities across Virginia, Maryland and DC. See every one from our locations page.
Find out what you qualify for
Get your number before your report date
Tell us your orders, your clearance job or how you get paid. We will send what you qualify for, free and in writing.
Call (703) 752-1805 to reach a mortgage broker in Anne Arundel County 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
Anne Arundel buyers ask us
What is the 2026 loan limit in Anne Arundel County?
The 2026 one-unit conforming limit is $832,750, and the FHA limit is $747,500. A mortgage broker in Anne Arundel County like SAI shows where your price crosses into jumbo territory.
Can I buy near Fort Meade with $0 down?
Yes, if you qualify for a VA loan with full entitlement. VA loans with full entitlement have no VA loan limit.
Why is the limit lower than in Prince George's?
Anne Arundel is in the Baltimore metro area, where limits are set lower than in the Washington metro.
Does changing contractors hurt my application?
Not usually, if you stay in the same line of work. We document the transition for lenders.
Can I use the Maryland Mortgage Program here?
Often, yes, if you meet its income and price limits.
Is SAI licensed in Maryland?
Yes. SAI Mortgage, NMLS 179997, is licensed in Maryland, Virginia and DC.