Germantown, Maryland
Mortgage Lender in Germantown, MD
- FHA from 3.5% down
- Down payment help checked
- Hablamos español
Germantown is one of the most affordable places to buy in Montgomery County, with townhouses and condos near the MARC station and Town Center. SAI Mortgage is a Maryland-licensed mortgage lender in Germantown MD that works in Spanish and English and checks every program first.
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
Germantown, from Town Center and the MARC station to Milestone, Kingsview and Clopper Mill, ZIP codes 20874 and 20876
Open in Google Maps- $426KTypical Germantown home
- 9 daysTypical time to pending
- $2,137Average monthly rent
- $404KMedian sale price
Zillow Home Value Index, market data and Observed Rent Index through 30 June 2026.
Loan programs
Loans that fit how Germantown buys
Most Germantown buyers want a low down payment and a clear plan. A mortgage lender in Germantown MD should show both before you tour.
FHA loans
An FHA loan Germantown buyers use starts at 3.5 percent down, with flexible credit.
About FHA loansFirst-time buyer loans
Every Maryland first time homebuyer file gets a check on state and county help that can stack on top.
About first-time buyer loansITIN loans
No Social Security number yet? You can still buy with an ITIN. We explain every step in Spanish.
About ITIN mortgagesCondo mortgages
Condos near Town Center need a building check. We run it before you offer.
About condo mortgagesVA loans
Veterans can buy with $0 down with full entitlement.
About VA loansSelf-employed loans
Contractors and small business owners can qualify on bank deposits.
About bank statement loansWhy us
Affordable prices, planned properly
A bank offers its own loans. As an independent mortgage lender in Germantown 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 look for state and county programs you qualify for before you set a budget.
Spanish from first call to closing
The loan officer who speaks with you in Spanish stays on your file the whole way.
Condo and HOA dues in your numbers
Many first homes here carry HOA dues. Lenders count them, so we do too.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Germantown market
Prices easing, rent near a mortgage
Zillow placed the typical Germantown home near $425,701 in June 2026, down 2.8 percent in a year, with homes going pending in about 9 days and a $404,165 median sale price.
Listings ran near $301,000 for two bedrooms, $431,000 for three and $622,000 for four. With rent near $2,137 a month, a mortgage lender in Germantown MD should show you what each size really costs to own.
Down payment on a $425,701 home
Program minimums before closing costs
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$12,771
- FHA, 3.5%$14,900
- Conventional, 20%, no PMI$85,140
Who we help
Which one sounds like you?
Most calls about Germantown home loans start with one of these four.
"Pagamos $2,100 de renta cerca de Town Center."
Compare your rent with 3.5 percent down. Call and ask for Spanish.
FHA loan requirements"We have $10,000 saved. Is that enough?"
Often, with FHA and a state program. We show you exactly how.
Maryland Mortgage Program"I want a two-bedroom condo near the MARC."
We check the building and the dues before you offer.
Condo mortgages"Mi esposo tiene ITIN y yo tengo Seguro Social."
Mixed-status families have options. We explain which name goes on which loan.
ITIN mortgagesWhere we lend
Germantown neighborhoods we finance
Our Germantown files run from condos near Town Center to single-family homes in Milestone. Searching for a mortgage lender near me in 20874 or 20876? Our mortgage lender in Germantown MD team works by phone and secure upload.
- Germantown Town Center
- Milestone
- Kingsview
- Gunners Lake
- Middlebrook
- Clopper Mill
- Great Seneca
- Fox Chapel
- Waters Landing
- Churchill
Looking toward Kentlands? See our Gaithersburg mortgage lender page.
Meeting in person
Germantown to our Vienna office
Most Maryland files close by phone and secure upload. If you want to sit down with a mortgage lender in Germantown MD, take I-270 to the Legion Bridge. Times below are estimates outside rush hour.
- From Town CenterI-270 south to I-495About 40 min
- From MilestoneI-270 south to I-495About 40 min
- From Germantown MARCMiddlebrook Road to I-270About 40 min
- From Clopper MillClopper Road to I-270 southAbout 40 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
See what your rent could buy
Tell us how you get paid and what you have saved. We will send what you qualify for, with every program checked, free and in writing. Llame y pida español.
Call (703) 752-1805 to reach a mortgage lender in Germantown 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
Germantown buyers ask us
Can I buy in Germantown with a small down payment?
Often, yes. FHA starts at 3.5 percent down, and state or county programs may help with the rest. A mortgage lender in Germantown MD like SAI checks them first.
Can I buy with an ITIN?
Yes. ITIN loans work without a Social Security number, usually with a larger down payment.
Can I use FHA on a condo?
Only if the building is FHA approved. We check approval before you write an offer.
What is the 2026 loan limit in Germantown?
The 2026 one-unit limit is $1,249,125 for conforming and FHA loans.
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.
¿Hablan español?
Sí. Our team works in eight languages, including Spanish. The person who speaks with you handles your loan to closing.