Annapolis and Glen Burnie, Maryland
Mortgage Lender in Annapolis & Glen Burnie, MD
- $0 down VA for Navy families
- Cleared and BWI workers
- Licensed in Maryland
Annapolis is home to the Naval Academy and the state capital; Glen Burnie sits between BWI, Fort Meade and Baltimore. Both draw service members, cleared professionals and first-time buyers. SAI Mortgage is a Maryland-licensed mortgage lender in Annapolis and Glen Burnie MD that handles VA, FHA and conventional loans for all of them.
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
Annapolis, from Downtown and Eastport to Parole and Cape St. Claire, and Glen Burnie, from Marley Station to Ferndale and Harundale
Open in Google Maps- $633KTypical Annapolis home
- $400KTypical Glen Burnie home
- 10 daysTypical time to pending
- $832,7502026 conforming limit
Zillow Home Value Index and market data, Annapolis through 30 June 2026 and Glen Burnie through 31 May 2026. 2026 Baltimore-metro conforming limit.
Loan programs
Loans that fit how Annapolis and Glen Burnie buy
A Naval Academy instructor, a BWI contractor and a first-time buyer need different loans. A mortgage lender in Annapolis and Glen Burnie MD should line up each one.
VA loans
A VA loan Annapolis Navy and Marine families use means $0 down with full entitlement.
About VA loansFHA loans
3.5 percent down with flexible credit, common in Glen Burnie, up to the $747,500 FHA limit.
About FHA loansFirst-time buyer loans
Maryland Mortgage Program help can apply within its limits.
About first-time buyer loansJumbo loans
Waterfront Annapolis homes often pass $832,750. We compare jumbo options.
About jumbo loansCondo mortgages
Condos near Annapolis Towne Centre need a building approval check.
About condo mortgagesDSCR rental loans
Rentals near BWI and Fort Meade stay in demand. DSCR loans qualify on the rent.
About DSCR loansWhy us
Two towns, one lender who knows both
A bank has one VA desk and one rulebook. As an independent mortgage lender in Annapolis and Glen Burnie MD, we send your file to many lenders and bring every offer back in writing.
Closings timed to your orders
Naval Academy and Fort Meade 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 and the limit
Annapolis waterfront homes cross $832,750 quickly. We show 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 Annapolis & Glen Burnie market
Two price points, both moving fast
Zillow placed the typical Annapolis home near $633,333 in June 2026, up 2.0 percent, with a $631,833 median sale price. Glen Burnie sat near $400,269, with nearly half of sales above list. Both went pending in about 10 days.
Rent ran about $2,398 a month in Annapolis and $1,743 in Glen Burnie. With a $832,750 limit, a mortgage lender in Annapolis and Glen Burnie MD should check Annapolis waterfront prices against it before you tour.
Down payment by town
Program minimums before closing costs
- VA loan, either town$0
- Glen Burnie, FHA 3.5%$14,009
- Annapolis, FHA 3.5%$22,167
- Annapolis, 20%, no PMI$126,667
Who we help
Which one sounds like you?
Most calls about Naval Academy home loans and Glen Burnie home loans start with one of these four.
"I have orders to teach at the Naval Academy."
Start with your Certificate of Eligibility. We can often order it for you.
Getting your VA COE"I work at a BWI contractor and want a Glen Burnie townhouse."
We document your pay the way lenders want and check FHA and conventional.
Getting a mortgage"The Eastport house 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 incomeWhere we lend
Annapolis & Glen Burnie neighborhoods we finance
Our files run from Eastport cottages to Glen Burnie townhouses. Searching for a mortgage lender near me in 21401, 21403, 21060 or 21061? Our mortgage lender in Annapolis and Glen Burnie MD team works by phone and secure upload.
- Downtown Annapolis
- Eastport
- Parole
- West Annapolis
- Cape St. Claire
- Hillsmere
- Marley Station
- Ferndale
- Harundale
- Point Pleasant
- Severn
- Pasadena
See every Anne Arundel option on our Anne Arundel County mortgage broker page.
Meeting in person
Annapolis and Glen Burnie to our Vienna office
Most Maryland files close by phone and secure upload. If you want to sit down with a mortgage lender in Annapolis and Glen Burnie MD, we are about an hour away. Times below are estimates outside rush hour.
- From Downtown AnnapolisUS-50 west to I-495About 55 min
- From EastportUS-50 west to I-495About 55 min
- From Glen BurnieI-97 to I-95 and I-495About 60 min
- From PasadenaMD-100 to I-97 and I-95About 65 min
Other locations
More of Anne Arundel County
The same team and lenders cover every town in the county. Start with our Anne Arundel County mortgage broker page for county-wide limits, tax rates and market data.
Before you apply
Worth a read first
What military, cleared and first-time buyers read before choosing a lender.
Find out what you qualify for
Get your number before your report date
Tell us your orders, your job and which town you like. We will send what you qualify for, free and in writing.
Call (703) 752-1805 to reach a mortgage lender in Annapolis and Glen Burnie MD 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
Annapolis & Glen Burnie buyers ask us
What is the loan limit in Annapolis and Glen Burnie?
Anne Arundel County's 2026 one-unit conforming limit is $832,750, and the FHA limit is $747,500. A mortgage lender in Annapolis and Glen Burnie MD like SAI shows where your price falls.
Can I buy near the Naval Academy with $0 down?
Yes, if you qualify for a VA loan with full entitlement. VA loans with full entitlement have no VA loan limit.
Does the City of Annapolis add a property tax?
Yes. Homes inside city limits pay a city rate on top of county and state taxes. Many Annapolis mailing addresses sit outside the city.
Can I use the Maryland Mortgage Program in Glen Burnie?
Often, yes, if you meet its income and price limits.
Does changing contractors hurt my application?
Not usually, if you stay in the same line of work. We document the transition.
Is SAI licensed in Maryland?
Yes. SAI Mortgage, NMLS 179997, is licensed in Maryland, Virginia and DC.