Facebook X-twitter Youtube Instagram Linkedin Pinterest
upload your documents
Mortgage Broker in Frederick County, MD | SAI Mortgage

Frederick County, Maryland

Mortgage Broker in Frederick County, MD

  • USDA $0 down in rural areas
  • Maryland first-time help
  • Licensed in Maryland

Frederick County mixes a historic downtown, fast-growing suburbs like Urbana and farm towns near the Pennsylvania line where USDA's $0-down loans can still apply. SAI Mortgage is a Maryland-licensed mortgage broker in Frederick County MD for rural buyers and first-time families alike.

See if you qualify Call (703) 752-1805

SAI Mortgage, Inc.

Licensed VA, MD & DC

Vienna, VA office

Office

8000 Towers Crescent Dr, Suite 210
Vienna, VA 22182

Phone

(703) 752-1805

Email

saleem@saimortgage.com
  • HoursMon to Fri, 9 AM to 6 PM
  • WeekendsClosed
  • Languages8, including Spanish
  • NMLS179997

Where we lend

All of Frederick County, from Downtown Frederick and Urbana to Middletown, Walkersville, Thurmont and Brunswick

Open in Google Maps
  • $509KTypical county home
  • $470KTypical City of Frederick home
  • 10 daysTypical time to pending
  • $1,249,1252026 loan limit

Zillow Home Value Index and market data through 30 June 2026. FHFA and HUD 2026 one-unit limit.

Where we lend

Frederick County communities we finance

From downtown rowhouses to farm-country homes, our mortgage broker in Frederick County MD team works across the county by phone and secure upload.

  • Downtown Frederick
  • Ballenger Creek
  • Urbana
  • Monrovia
  • New Market
  • Ijamsville
  • Middletown
  • Myersville
  • Walkersville
  • Thurmont
  • Emmitsburg
  • Brunswick

Loan programs

Loans that fit how Frederick County buys

Farm towns, new suburbs and a city center each need different loans. Frederick MD home loans have to cover all three.

01

USDA loans

A USDA loan Frederick County buyers use can mean $0 down in eligible rural towns, within income limits.

About USDA loans
03

FHA loans

3.5 percent down with flexible credit for townhouses in Frederick and Ballenger Creek.

About FHA loans
04

VA loans

Fort Detrick families and veterans can buy with $0 down with full entitlement.

About VA loans
06

Renovation loans

Historic downtown homes and older farmhouses can be bought and updated with one loan.

About renovation loans

Why us

$0-down options and Maryland help, checked first

A bank may not offer USDA or Maryland programs. As a Maryland-licensed mortgage broker in Frederick County MD, we check both first, then shop FHA and conventional, and put every offer in writing.

01

USDA eligibility, by address

USDA maps decide which towns qualify. We check your exact address first.

02

Maryland program help

State and local programs can stack on a low down payment loan.

03

Wells, septic and acreage

Rural lots need the right inspections and appraiser. We plan for them.

04

No credit check to start

We ask how you earn first. We pull credit only when you choose to move forward.

See if you qualify

The Frederick County market

Steady prices, quick sales

Zillow placed the typical Frederick County home near $509,006 in June 2026, nearly flat for the year, with homes going pending in about 10 days and a $475,083 median sale price. The City of Frederick ran near $469,711, and county rent averaged about $2,217.

Because Frederick is in the Washington metro, the 2026 limit is $1,249,125, much higher than neighboring Baltimore-area counties. A mortgage broker in Frederick County MD should check USDA first in the county's rural towns.

Get preapproved

Down payment on a $509,006 home

Program minimums before closing costs

  • USDA loan, eligible area$0
  • VA loan, full entitlement$0
  • Conventional, first-time buyer, 3%$15,270
  • FHA, 3.5%$17,815
For illustration only, not a loan offer or commitment to lend. Figures apply each percentage to the Zillow typical Frederick County value (June 2026), rounded. USDA requires an eligible address and household income within limits. Maryland transfer and recordation taxes and other closing costs are extra.

Taxes and closing costs

What changes by address

Town, county and USDA maps all affect your loan and payment.

$1,249,125

Conforming and FHA limit

Frederick sits in the Washington metro, so its 2026 limit matches Montgomery's.

USDA map

Rural eligibility

Many rural towns may qualify for USDA. Denser areas, such as the City of Frederick, often do not.

Transfer taxes

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 Frederick MD home loans start with one of these four.

01

"We want a house near Thurmont but have little saved."

USDA may allow $0 down if the address and your income qualify.

USDA loans
02

"We rent downtown and want our first place."

Maryland programs and FHA can lower what you need to bring.

Maryland Mortgage Program
03

"I work at Fort Detrick."

VA loans can mean $0 down for service members and veterans.

VA loans
04

"The farmhouse has a well and septic."

Not usually a problem. We plan the required inspections.

Getting a mortgage

Meeting in person

Frederick 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 Frederick County MD, we are down I-270. Times below are estimates outside rush hour.

  • From Downtown FrederickI-270 south to I-495
    About 55 min
  • From UrbanaI-270 south to I-495
    About 50 min
  • From MiddletownUS-40 to I-270 south
    About 60 min
  • From BrunswickMD-17 to I-270 south
    About 65 min

Get directions to our office

Before you apply

Worth a read first

Guides Frederick County buyers read before searching for a mortgage lender near me.

Other locations

Buying outside Frederick County?

Your mortgage broker in Frederick County MD team also lends in 13 more counties and cities across Virginia, Maryland and DC. See every one from our locations page.

All Virginia, Maryland and DC locations

Find out what you qualify for

Check USDA and Maryland help before you tour

Send us the town or address, your income and how you get paid. We will check USDA, Maryland programs and FHA, free and in writing.

Call (703) 752-1805 to reach a mortgage broker in Frederick County MD directly, Monday to Friday, 9 AM to 6 PM. Already have paperwork? Upload your documents securely.

Start my preapproval Call (703) 752-1805

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

Frederick County buyers ask us

Can I get a USDA loan in Frederick County?

Many rural addresses may qualify, subject to USDA maps and household income limits. A mortgage broker in Frederick County MD like SAI checks your exact address first.

What is the 2026 loan limit in Frederick County?

The 2026 one-unit limit is $1,249,125 for conforming and FHA loans, because Frederick is part of the Washington metro area.

Can I use the Maryland Mortgage Program in Frederick?

Often, yes, if you meet its income and price limits.

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.

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.