Bethesda, Maryland
Mortgage Lender in Bethesda, MD
- Physician loans
- High-balance and jumbo
- 20 min from our office
Bethesda buyers include researchers at NIH, physicians at Walter Reed and Suburban Hospital, and families moving up from a condo near the Metro. SAI Mortgage is a Maryland-licensed mortgage lender in Bethesda MD that handles physician, high-balance and jumbo loans from one file.
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 Farsi
- NMLS179997
Where we lend
Bethesda, from Downtown Bethesda and Woodmont Triangle to Wildwood, Kenwood and Bradley Hills, ZIP codes 20814, 20816 and 20817
Open in Google Maps- $1.17MTypical Bethesda home
- $1.21MMedian sale price
- 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.
Loan programs
Loans that fit how Bethesda buys
Here the typical home sits just under the conforming limit, and many homes sit over it. A mortgage lender in Bethesda MD should know which side your offer lands on.
Physician loans
A physician mortgage Bethesda doctors use can ask for little down, skip PMI and treat student loans fairly. Some programs reach jumbo amounts.
About physician loansJumbo loans
A jumbo loan Bethesda buyers need starts above $1,249,125, common in 20816 and 20817.
About jumbo loansCondo mortgages
Downtown Bethesda towers need a building approval check. We run it before you offer.
About condo mortgagesConstruction loans
Tear-downs are common in older neighborhoods. One construction-to-permanent loan covers the build.
About construction loansForeign national and visa holders
Visiting researchers on J-1 or H-1B visas can often qualify. We check your visa first.
About foreign national loansRefinance and cash-out
Long-time owners can use equity for an addition or a child's down payment.
About refinancingWhy us
Contracts, fellowships and the conforming line
A bank has one physician program and one jumbo desk. As an independent mortgage lender in Bethesda MD, we send your file to many lenders and show every structure in writing.
Contract income can count
Starting at Walter Reed or Suburban? Many lenders close on a signed contract before your first paycheck.
Near the limit? We run both
The typical home is about $81,000 under $1,249,125. We show what staying conforming saves.
Maryland closing costs, planned
Transfer and recordation taxes add up at these prices. We build them into your cash to close.
Twenty minutes away
Our Vienna office is just across the American Legion Bridge.
The Bethesda market
Right at the conforming line
Zillow placed the typical Bethesda home near $1,168,471 in June 2026, down 1.0 percent in a year, with homes going pending in about 10 days. The median sale price was $1,214,167, about $35,000 under the $1,249,125 limit.
Deeper in, ZIP 20816 posted a $1,526,667 median sale through July, up 20.1 percent. A mortgage lender in Bethesda MD should price high-balance and jumbo side by side before you bid.
Down payment on a $1,168,471 home
Common levels before closing costs
- Physician loan, often0% to 10%
- Conventional high-balance, 10%$116,847
- Conventional, 20%, no PMI$233,694
- Room left under the limit$80,654
Who we help
Which one sounds like you?
Most calls about Bethesda home loans start with one of these four.
"I start at Walter Reed in July with $350K in student loans."
Physician loans can count deferred loans more fairly and close on your contract.
Student loans and physician DTI"We are NIH researchers on H-1Bs."
Conventional loans often work with valid work authorization. We check your visa first.
Getting a mortgage"The house in Wildwood is $1.4 million."
We price a jumbo against a larger down payment so you can compare.
Conforming vs jumbo"We bought the lot for the land and want to rebuild."
A construction-to-permanent loan covers the build and the mortgage.
Construction loansWhere we lend
Bethesda neighborhoods we finance
Our Bethesda files run from condos in Woodmont Triangle to single-family homes in Bradley Hills. Searching for a mortgage lender near me in 20814, 20816 or 20817? Our mortgage lender in Bethesda MD team works by phone and secure upload.
- Downtown Bethesda
- Woodmont Triangle
- Edgemoor
- Battery Park
- Kenwood
- Wildwood
- Bradley Hills
- Westmoreland Hills
- Sumner
- Wyngate
- Maplewood
- Carderock
Looking farther west? See our Potomac mortgage lender page.
Meeting in person
Bethesda to our Vienna office
Most Maryland files close by phone and secure upload. If you want to sit down with a mortgage lender in Bethesda MD, we are just across the river. Times below are estimates outside rush hour.
- From Downtown BethesdaI-495 south across the Legion BridgeAbout 20 min
- From NIHRockville Pike to I-495 southAbout 25 min
- From Walter ReedI-495 south to TysonsAbout 20 min
- From CarderockClara Barton Parkway to I-495About 15 min
Other locations
More of Montgomery County
The same team and lenders cover every town in the county. Start with our Montgomery County mortgage broker page for county-wide limits, tax rates and market data.
Before you apply
Worth a read first
What doctors and move-up buyers read before choosing a lender.
Find out what you qualify for
Know your side of the limit before you bid
Tell us your contract or how you get paid. We will send your physician, high-balance and jumbo options, free and in writing.
Call (703) 752-1805 to reach a mortgage lender in Bethesda 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
Bethesda buyers ask us
Can I buy before I start at NIH or Walter Reed?
Often, yes. Many physician programs accept a signed contract with a start date within about 90 days. A mortgage lender in Bethesda MD like SAI compares several.
Do I need a jumbo loan in Bethesda?
Many buyers do. The typical home, near $1,168,471, sits just under the $1,249,125 limit, but much of 20816 and 20817 sits above it.
Do physician loans work on jumbo amounts?
Some do, often with limits by loan size and specialty. We compare lenders that go higher.
What closing taxes apply in Bethesda?
Maryland state and Montgomery County transfer and recordation taxes. First-time Maryland buyers pay no share of the state transfer tax on an owner-occupied home.
Is SAI licensed in Maryland?
Yes. SAI Mortgage, NMLS 179997, is licensed in Maryland, Virginia and DC.
Do I have to come to your Vienna office?
No. Most Bethesda buyers work with us by phone and secure upload. Our office is about 20 minutes away if you want to visit.