Montgomery County, Maryland
Mortgage Broker in Montgomery County, MD
- Licensed in Maryland
- Physician and jumbo loans
- Hindi, Urdu, Spanish
Montgomery County is home to NIH, the FDA and Walter Reed, and to large South Asian and Latino communities from Bethesda to Germantown. SAI Mortgage is a Maryland-licensed mortgage broker in Montgomery County MD that shops one file across many lenders, in eight languages.
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 Hindi and Spanish
- NMLS179997
Where we lend
All of Montgomery County, from Bethesda and Silver Spring to Rockville, Gaithersburg, Germantown and Potomac
Open in Google Maps- $627KTypical county home
- 10 daysTypical time to pending
- $2,346Average monthly rent
- $1,249,1252026 loan limit
Zillow Home Value Index, market data and Observed Rent Index through 30 June 2026. FHFA and HUD 2026 one-unit limit.
Where we lend
Montgomery County towns we finance
Each town page covers local prices, neighborhoods and the loans buyers there use most. Pick yours, or call our mortgage broker in Montgomery County MD team if your street is not listed.
Loan programs
Loans that fit how Montgomery County buys
Researchers, doctors, visa holders and first-time families all buy here. Montgomery County home loans have to fit each of them.
Physician loans
A physician mortgage Maryland doctors use can ask for little down, skip PMI and treat student loans fairly.
About physician loansJumbo loans
Bethesda, Chevy Chase and Potomac often pass $1,249,125. We compare jumbo options.
About jumbo loansFirst-time buyer loans
We check the Maryland Mortgage Program and county help before you set a budget.
About first-time buyer loansFHA loans
3.5 percent down with flexible credit, common in Silver Spring, Gaithersburg and Germantown.
About FHA loansForeign national and visa holders
H-1B, L-1 or earning abroad? We match you with lenders that accept it.
About foreign national loansReverse mortgages
Owners 62 and older can turn equity into income with no monthly mortgage payment.
About reverse mortgagesWhy us
Licensed in Maryland, based across the river
A bank checks one rulebook. As a Maryland-licensed mortgage broker in Montgomery County MD, we send your file to many lenders and bring every offer back in writing, including Maryland program lenders.
Maryland closing costs, explained
Transfer and recordation taxes are larger in Maryland than in Virginia. We build them into your cash to close.
Federal and research pay, read correctly
NIH fellowships, GS steps and contractor offers are documented differently. We know what each lender wants.
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 Montgomery County market
Softer prices, steady demand
Zillow placed the typical Montgomery County home near $627,198 in June 2026, down 1.4 percent in a year, with homes going pending in about 10 days. The median sale price was $631,633, and average rent was about $2,346.
Prices range widely, from condos in Silver Spring to Bethesda near $1,168,471. A mortgage broker in Montgomery County MD should match the loan to the town, and plan for Maryland's closing taxes from the start.
Down payment on a $627,198 home
Program minimums before closing costs
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$18,816
- FHA, 3.5%$21,952
- Conventional, 20%, no PMI$125,440
Taxes and closing costs
What changes in Maryland
Maryland adds costs Virginia buyers do not expect. Here is what we plan for.
State and county transfer taxes
Paid at closing. First-time Maryland buyers pay no share of the state transfer tax on an owner-occupied home.
City of Rockville rate
Rockville and other municipalities add a city rate on top of county taxes. Rockville's has held since 1995.
Homeowner credit change
The County Council voted in May 2026 to end the $692 Income Tax Offset Credit. We check your estimated bill.
City of Rockville FY2027 tax ordinance; Montgomery County Council budget actions, May 2026. We confirm taxes and credits for your exact address.
Who we help
Which one sounds like you?
Most calls about Montgomery County home loans start with one of these four.
"I am a new attending at Walter Reed with big student loans."
Physician loans can count deferred debt more fairly and ask for little down.
Student loans and physician DTI"We are H-1B researchers at NIH and want a townhouse in Rockville."
Conventional loans often work with valid work authorization. We explain it in Hindi or English.
Getting a mortgage"Queremos comprar en Gaithersburg y necesitamos ayuda con el pago inicial."
We check the Maryland Mortgage Program and county help first. Call and ask for Spanish.
Maryland Mortgage Program"The Bethesda house we want is over the limit."
We price a jumbo against a larger down payment so you can compare.
Conforming vs jumboMeeting in person
Montgomery 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 Montgomery County MD, 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 RockvilleI-270 south to I-495About 25 min
- From Silver SpringI-495 west to TysonsAbout 30 min
- From GaithersburgI-270 south to I-495About 35 min
Before you apply
Worth a read first
Guides Maryland buyers read before searching for a mortgage lender near me.
Other locations
Buying outside Montgomery County?
Your mortgage broker in Montgomery 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
Know your Maryland numbers before you offer
Tell us how you get paid and where you are buying. We will send what you qualify for, with Maryland closing taxes included, free and in writing.
Call (703) 752-1805 to reach a mortgage broker in Montgomery 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
Montgomery County 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 Montgomery County MD, we work your file by phone and secure upload from our Vienna office.
What is the 2026 loan limit in Montgomery County?
The 2026 one-unit limit is $1,249,125 for conforming and FHA loans, the same as the rest of the Washington metro.
Can I use the Maryland Mortgage Program in Montgomery County?
Often, yes, if you meet its income and price limits. We check eligibility 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 transfer and recordation taxes still apply.
Can H-1B holders buy in Montgomery County?
Often, yes, with a conventional loan and valid work authorization. HUD ended FHA eligibility for non-permanent residents in 2025.
Do you have a Maryland office?
Our office is in Vienna, Virginia, about 20 minutes from Bethesda. Most Maryland clients work with us entirely by phone and secure upload.