Gaithersburg, Maryland
Mortgage Lender in Gaithersburg, MD
- Down payment help checked
- FHA from 3.5% down
- Spanish, Hindi, Urdu
Gaithersburg is one of Montgomery County's most diverse first-time buyer markets, from Kentlands townhouses to condos near Lakeforest. SAI Mortgage is a Maryland-licensed mortgage lender in Gaithersburg MD that checks every down payment program before you set a budget.
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 and Hindi
- NMLS179997
Where we lend
Gaithersburg, from Olde Towne and Kentlands to Lakelands, Quince Orchard and Montgomery Village, ZIP codes 20877 to 20879
Open in Google Maps- $529KTypical Gaithersburg home
- 10 daysTypical time to pending
- $2,187Average 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.
Loan programs
Loans that fit how Gaithersburg buys
Most Gaithersburg calls are about the first home. A mortgage lender in Gaithersburg MD should stack every program that fits before you tour.
First-time buyer loans
Every first time home buyer Maryland file gets a check on the Maryland Mortgage Program and county help.
About first-time buyer loansFHA loans
3.5 percent down with flexible credit, common for townhouses and condos here.
About FHA loansITIN loans
No Social Security number yet? You can still buy with an ITIN. We explain every step in Spanish.
About ITIN mortgagesConventional for visa holders
H-1B and L-1 workers along I-270 can often use conventional loans.
Visa and foreign national loansCondo mortgages
Many first homes here are condos. We check the building before you offer.
About condo mortgagesSelf-employed loans
Contractors and shop owners can qualify on bank deposits.
About bank statement loansWhy us
Every program checked, in your language
A bank offers its own loans. As an independent mortgage lender in Gaithersburg MD, we send your file to many lenders, including Maryland Mortgage Program lenders, and bring every offer back in writing.
Down payment help, first
We check down payment assistance Montgomery County programs and state help before you set a budget.
Spanish, Hindi and Urdu
The loan officer who speaks with you in your language stays on your file to closing.
City or county, taxed correctly
Addresses inside Gaithersburg city limits add a city rate. Your estimate uses the right one.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Gaithersburg market
Softer prices, rents near a mortgage
Zillow placed the typical Gaithersburg home near $529,016 in June 2026, down 2.1 percent in a year, with homes going pending in about 10 days and a $558,833 median sale price.
Average rent sat near $2,187 a month. With prices easing and help available, many renters are closer than they think. A mortgage lender in Gaithersburg MD should run your rent against a mortgage before you tour.
Down payment on a $529,016 home
Program minimums before closing costs
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$15,870
- FHA, 3.5%$18,516
- Conventional, 20%, no PMI$105,803
Who we help
Which one sounds like you?
Most calls about Gaithersburg home loans start with one of these four.
"We pay $2,200 in rent near Lakeforest."
Compare your rent with 3.5 percent down, plus any help you qualify for.
Maryland Mortgage Program"Queremos un townhouse en Montgomery Village."
FHA and state programs can lower what you need to bring. Call and ask for Spanish.
FHA loan requirements"We are on H-1Bs and work in the I-270 biotech corridor."
Conventional loans often work with valid work authorization. We explain it in Hindi or English.
Getting a mortgage"My credit is 620. Is that enough?"
Often, yes, for FHA. We show you what lenders will approve and how to improve it.
FHA loansWhere we lend
Gaithersburg neighborhoods we finance
Our Gaithersburg files run from condos near Lakeforest to townhouses in Kentlands. Searching for a mortgage lender near me in 20877, 20878 or 20879? Our mortgage lender in Gaithersburg MD team works by phone and secure upload.
- Olde Towne
- Kentlands
- Lakelands
- Quince Orchard
- Crown
- Rio and Washingtonian
- Montgomery Village
- Watkins Mill
- Lakeforest area
Looking farther up I-270? See our Germantown mortgage lender page.
Meeting in person
Gaithersburg to our Vienna office
Most Maryland files close by phone and secure upload. If you want to sit down with a mortgage lender in Gaithersburg MD, take I-270 to the Legion Bridge. Times below are estimates outside rush hour.
- From Olde TowneI-270 south to I-495About 35 min
- From KentlandsGreat Seneca Highway to I-270 southAbout 35 min
- From Montgomery VillageI-270 south to I-495About 35 min
- From RioI-270 south to I-495About 35 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 first-time buyers read before choosing a lender.
Find out what you qualify for
Compare your rent to a mortgage payment
Tell us how you get paid and what you pay in rent. We will send what you qualify for, with every program checked, free and in writing.
Call (703) 752-1805 to reach a mortgage lender in Gaithersburg 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
Gaithersburg buyers ask us
Is there down payment help in Gaithersburg?
Often, yes. The Maryland Mortgage Program and county programs may help eligible first-time buyers. A mortgage lender in Gaithersburg MD like SAI checks which ones fit your income and price.
What credit score do I need for FHA?
FHA allows 3.5 percent down with a 580 score. Some lenders go lower with more down.
Can I buy with an ITIN?
Yes. ITIN loans work without a Social Security number, usually with a larger down payment.
Does the City of Gaithersburg add a property tax?
Yes. Homes inside city limits pay a city rate on top of Montgomery County and state taxes. Many Gaithersburg mailing addresses sit outside the city.
What is the 2026 loan limit in Gaithersburg?
The 2026 one-unit limit is $1,249,125 for conforming and FHA loans.
Do I have to come to your Vienna office?
No. Most Gaithersburg buyers work with us by phone and secure upload. You are welcome to visit any weekday from 9 AM to 6 PM.