Charles County, Southern Maryland
Mortgage Broker in Charles County, MD
- USDA $0 down in rural areas
- VA for Andrews and Indian Head
- Licensed in Maryland
Charles County runs from busy Waldorf to farmland and river towns, with Joint Base Andrews up Route 5 and the Navy's Indian Head base on the Potomac. SAI Mortgage is a Maryland-licensed mortgage broker in Charles County MD for service members, rural buyers and first-time families.
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 Charles County, from Waldorf and St. Charles to La Plata, Indian Head, Bryans Road and Hughesville
Open in Google Maps- $437KTypical Waldorf home
- 17 daysTypical time to pending
- $0Down with USDA or VA
- $1,249,1252026 loan limit
Zillow Home Value Index and market data for Waldorf through 31 July 2026. FHFA and HUD 2026 one-unit limit.
Where we lend
Charles County communities we finance
From Waldorf townhouses to river-town homes, our mortgage broker in Charles County MD team works across Southern Maryland by phone and secure upload.
- Waldorf
- St. Charles
- La Plata
- Indian Head
- Bryans Road
- Hughesville
- Pomfret
- Port Tobacco
- Bel Alton
- Nanjemoy
- Newburg
- Cobb Island
Loan programs
Loans that fit how Charles County buys
Military orders, rural lots and first homes make up most files here. Waldorf home loans and rural loans need different plans.
USDA loans
A USDA loan Charles County buyers use can mean $0 down in eligible rural areas, within income limits.
About USDA loansVA loans
A VA loan Southern Maryland families use means $0 down with full entitlement, near Andrews and Indian Head.
About VA loansFHA loans
3.5 percent down with flexible credit for Waldorf and St. Charles townhouses.
About FHA loansFirst-time buyer loans
Maryland Mortgage Program help can apply within its limits.
About first-time buyer loansNew construction
St. Charles and La Plata still sell new homes. We compare builder lenders.
About construction loansRefinance and cash-out
Veterans can often refinance with VA streamline or cash-out options.
About refinancingWhy us
Two $0-down paths, checked first
A bank may not offer USDA. As a Maryland-licensed mortgage broker in Charles County MD, we check USDA and VA eligibility first, then shop FHA and conventional, and put every offer in writing.
USDA eligibility, by address
USDA maps decide which roads qualify. We check your exact address before you offer.
Closings timed to your orders
Andrews and Indian Head report dates do not move. We schedule around them.
Wells, septic and waterfront
Rural and river lots need the right inspections. We plan for them.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Charles County market
Affordable, with time to shop
Zillow placed the typical Waldorf home, the county's largest community, near $436,633 in July 2026, down 1.6 percent, with a $418,117 median sale price and homes going pending in about 17 days. Average rent sat near $2,306.
A slower pace means more room to negotiate than in most of the region. A mortgage broker in Charles County MD should check USDA and VA first, then compare FHA and conventional.
Down payment on a $436,633 home
Program minimums before closing costs
- USDA loan, eligible area$0
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$13,099
- FHA, 3.5%$15,282
Taxes and closing costs
What changes by address
Waldorf and the rural county can use very different loans.
Conforming and FHA limit
Charles is in the Washington metro, so its 2026 limit is the high-cost ceiling.
Rural eligibility
Southern and western Charles County may qualify for USDA. Denser Waldorf areas often do not.
State and county closing taxes
First-time Maryland buyers pay no share of the state transfer tax on an owner-occupied home.
FHFA and HUD 2026 limits. We confirm USDA eligibility and taxes for your exact address.
Who we help
Which one sounds like you?
Most calls about Waldorf home loans and rural Charles County start with one of these four.
"We want a house with land near La Plata but have little saved."
USDA may allow $0 down if the address and your income qualify.
USDA loans"I am stationed at Joint Base Andrews."
Start with your Certificate of Eligibility. We can often order it for you.
Getting your VA COE"We rent in St. Charles and want our first place."
FHA and Maryland programs can lower what you need to bring.
Maryland Mortgage Program"Does BAH count toward my loan?"
Often, yes. Lenders can count it as income with the right documents.
BAH as incomeMeeting in person
Charles County to our Vienna office
Most Maryland files close by phone and secure upload. If you want to sit down with your mortgage broker in Charles County MD, we are about an hour away. Times below are estimates outside rush hour.
- From WaldorfMD-5 to I-495 westAbout 55 min
- From La PlataUS-301 to MD-5 and I-495About 65 min
- From Indian HeadMD-210 to I-495 westAbout 55 min
- From Bryans RoadMD-210 to I-495 westAbout 50 min
Before you apply
Worth a read first
Guides Charles County buyers read before searching for a mortgage lender near me.
Other locations
Buying outside Charles County?
Your mortgage broker in Charles County MD 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
Check USDA and VA before you tour
Send us the address or area, your income and your service history. We will check USDA, VA and FHA and send what you qualify for, free and in writing.
Call (703) 752-1805 to reach a mortgage broker in Charles County 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
Charles County buyers ask us
Can I get a USDA loan in Charles County?
Many rural addresses in southern and western Charles County may qualify, subject to USDA maps and income limits. A mortgage broker in Charles County MD like SAI checks your exact address first.
What is the 2026 loan limit in Charles County?
The 2026 one-unit limit is $1,249,125 for conforming and FHA loans, because Charles is part of the Washington metro area.
Can I buy near Joint Base Andrews with $0 down?
Yes, with a VA loan and full entitlement, or with USDA if the address and income qualify.
Can I use the Maryland Mortgage Program in Charles County?
Often, yes, if you meet its income and price limits.
Are wells and septic systems a problem?
Usually not. Lenders may require water and septic inspections, which we plan into your timeline.
Is SAI licensed in Maryland?
Yes. SAI Mortgage, NMLS 179997, is licensed in Maryland, Virginia and DC.