Potomac, Maryland
Mortgage Lender in Potomac, MD
- Jumbo and super-jumbo
- Asset-based qualifying
- Foreign national buyers
Potomac's typical home sits above the conforming limit, and many buyers here qualify on assets or overseas income rather than a single paycheck. SAI Mortgage is a Maryland-licensed mortgage lender in Potomac MD that compares jumbo, portfolio and foreign national lenders on 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 Farsi and Hindi
- NMLS179997
Where we lend
Potomac, from Potomac Village and Avenel to River Falls, Bradley Farms and Travilah, ZIP codes 20854 and 20859
Open in Google Maps- $1.40MTypical Potomac home
- $1.01MTypical starter home
- $1,249,1252026 conforming limit
- 11%Down to stay conforming
Zillow Home Value Index through 30 June 2026. Zillow 2026 starter-home study (bottom third of values). FHFA 2026 one-unit limit. Down payment share calculated on the typical value.
Loan programs
Loans that fit how Potomac buys
Big lots, custom homes and global income. A mortgage lender in Potomac MD here needs lenders that underwrite all three.
Jumbo loans
A jumbo loan Potomac buyers use covers anything above $1,249,125, including super-jumbo amounts. We compare portfolio and investor jumbos.
About jumbo loansForeign national loans
A foreign national mortgage Maryland lenders offer can qualify you on overseas income and assets.
About foreign national loansConstruction loans
Tear-downs and custom builds on large lots. One construction-to-permanent loan covers it.
About construction loansPhysician loans
Some physician programs reach jumbo amounts with less down than a standard jumbo.
About physician loansRefinance and cash-out
Deep equity can fund an addition, a pool or a second property.
About refinancingReverse mortgages
Owners 62 and older can turn equity into income, up to program limits.
About reverse mortgagesWhy us
The right structure saves more than the right rate
A private bank has one jumbo program. As an independent mortgage lender in Potomac MD, we send your file to many jumbo and portfolio lenders and show every structure in writing.
We show you the conforming line
On a typical home, about 11 percent down keeps the loan at the limit. We show what that saves.
Assets can be income
Some lenders qualify you on investment and cash holdings when pay is lumpy or paid abroad.
Overseas buyers welcome
No US credit yet? Some programs use home-country history and bank references.
Fifteen minutes away
Our Vienna office is just across the American Legion Bridge.
The Potomac market
The limit sits below the typical home
Zillow placed the typical Potomac home near $1,404,056 in June 2026, down 0.5 percent in a year, with homes going pending in about 9 days. The median sale price was $1,322,500. Even Potomac's starter homes had a median value of $1,013,216 in Zillow's 2026 study.
At the typical value, 10 percent down still leaves a jumbo. About 11 percent down brings the loan to the $1,249,125 limit. A mortgage lender in Potomac MD should run both paths before you bid.
Jumbo or conforming in Potomac
How price and down payment set the loan type
- Typical home, 10% down, jumbo$140,406
- Typical home, 11% down, at the limit$154,931
- Typical home, 20% down, conforming$280,811
- Starter home, 10% down, conforming$101,322
Who we help
Which one sounds like you?
Most calls about Potomac home loans start with one of these four.
"We can put 10 percent down, or a little more to avoid a jumbo."
We price both so you can see exactly what the extra cash saves.
Conforming vs jumbo"Most of our wealth is invested, not paid as salary."
Asset-based jumbo programs can qualify you on what you hold.
Jumbo loans"We live in the Gulf and want a home near family in Potomac."
Foreign national loans can use your overseas income and assets. We explain each document.
Foreign national mortgages"We bought the lot for the land and want to rebuild."
A construction-to-permanent loan covers the build and the mortgage in one closing.
Construction loansWhere we lend
Potomac neighborhoods we finance
Our Potomac files run from homes near Potomac Village to estates in Avenel and River Falls. Searching for a mortgage lender near me in 20854? Our mortgage lender in Potomac MD team works by phone, video and secure upload.
- Potomac Village
- Avenel
- River Falls
- Bradley Farms
- Beverly Farms
- Palatine
- Potomac Manor
- Travilah
- Camotop
- Falls Road corridor
Closer to NIH? See our Bethesda mortgage lender page.
Meeting in person
Potomac to our Vienna office
Most Maryland files close by phone and secure upload, but a mortgage lender in Potomac MD this close is easy to see in person. Times below are estimates outside rush hour.
- From Potomac VillageRiver Road to I-495 southAbout 15 min
- From AvenelPersimmon Tree Road to I-495About 15 min
- From TravilahTravilah Road to I-270 and I-495About 25 min
- From River FallsRiver Road to I-495 southAbout 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 jumbo and overseas buyers read before choosing a lender.
Find out what you qualify for
See every jumbo structure before you bid
Tell us your cash, your assets and how you get paid, in the US or abroad. We will send your jumbo, conforming and foreign national options, free and in writing.
Call (703) 752-1805 to reach a mortgage lender in Potomac 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
Potomac buyers ask us
Do I need a jumbo loan in Potomac?
Usually. The typical home is near $1,404,056, above the $1,249,125 limit. With about 11 percent down, the loan can stay conforming. A mortgage lender in Potomac MD like SAI shows you both.
Can I buy in Potomac without US credit?
Some foreign national programs accept overseas credit references, income and assets. Down payments are usually larger.
How much do I need down for a jumbo loan?
Often 10 to 20 percent for US borrowers, and more for foreign nationals or very large loans.
What closing taxes apply in Potomac?
Maryland state and Montgomery County transfer and recordation taxes. At these prices they are significant, so we include them in your cash to close.
Is SAI licensed in Maryland?
Yes. SAI Mortgage, NMLS 179997, is licensed in Maryland, Virginia and DC.
Can we work with you from overseas?
Yes. We work by phone, video and secure upload across time zones, and coordinate remote or mail-away signing where lenders allow it.