Rockville, Maryland
Mortgage Lender in Rockville, MD
- Bank statement loans
- H-1B and green card buyers
- Hindi, Urdu, Punjabi
Rockville is the county seat and a hub for biotech along I-270, and for small businesses along Rockville Pike. Many buyers here are self-employed or on work visas. SAI Mortgage is a Maryland-licensed mortgage lender in Rockville MD that reads bank statements, contracts and visas, not just tax returns.
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 Urdu
- NMLS179997
Where we lend
Rockville, from Town Square and Twinbrook to King Farm, Fallsgrove and College Gardens, ZIP codes 20850, 20852 and 20853
Open in Google Maps- $749KMedian value, ZIP 20850
- $641KMedian value, ZIP 20853
- $0.292City tax rate per $100
- $1,249,1252026 loan limit
ATTOM property data via TopHap, July 2026. City of Rockville FY2027 tax ordinance. FHFA 2026 one-unit limit.
Loan programs
Loans that fit how Rockville buys
Business owners, biotech contractors and visa holders often have income a bank will not read. A mortgage lender in Rockville MD should find lenders that will.
Bank statement loans
A bank statement loan Rockville owners use counts 12 to 24 months of deposits instead of tax returns.
About bank statement loansConventional for visa holders
An H-1B mortgage Maryland buyers use is usually conventional. With valid work authorization, many lenders treat you much like a citizen.
About first-time buyer loansForeign national loans
Earning or holding assets abroad? We match you with lenders that accept them.
About foreign national loansFHA loans
3.5 percent down with flexible credit for townhouses and condos near Twinbrook.
About FHA loansCondo mortgages
Condos near Town Square and the Red Line need a building check. We run it before you offer.
About condo mortgagesDSCR rental loans
Buying near the Metro to rent? DSCR loans qualify on the rent.
About DSCR loansWhy us
We read deposits and visas, not just returns
A bank averages your tax returns and stops there. As an independent mortgage lender in Rockville MD, we send your file to lenders that read deposits, 1099s, contracts and visas.
Business income, counted properly
We use deposits, a CPA profit and loss statement or returns, whichever shows your real income.
Hindi, Urdu, Punjabi and Bangla
The loan officer who speaks with you in your language stays on your file to closing.
City tax in your payment
Rockville adds 29.2 cents per $100 on top of county taxes. Your estimate includes it.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Rockville market
Wide range, one city tax
Property data put the median home value near $749,000 in ZIP 20850 and $641,000 in 20853 as of July 2026. By neighborhood, King Farm sat near $633,931 in June and College Gardens near $849,108.
Inside city limits, owners pay Rockville's 29.2 cents per $100 on top of county taxes, a rate unchanged since 1995. A mortgage lender in Rockville MD should know whether your address is in the city before you offer.
Down payment on a $749,000 home
Common levels before closing costs
- Conventional, first-time buyer, 3%$22,470
- FHA, 3.5%$26,215
- Bank statement loan, 10%$74,900
- Conventional, 20%, no PMI$149,800
Who we help
Which one sounds like you?
Most calls about Rockville home loans start with one of these four.
"I own a restaurant on Rockville Pike, and my return shows almost nothing."
Your deposits tell the real story. Bank statement loans qualify you on what goes into the account.
Bank statement loans"I am an H-1B scientist at a biotech firm on I-270."
Conventional loans often work with valid work authorization. We explain it in Hindi or English.
Getting a mortgage"My parents in Karachi want to help with the down payment."
Gift funds from abroad can work with the right paper trail. We explain it in Urdu or English.
Down payment basics"We want to leave our King Farm townhouse for a house in College Gardens."
We plan the sale and purchase together so the timing works.
Closing timelineWhere we lend
Rockville neighborhoods we finance
Our Rockville files run from condos near Town Square to single-family homes in Woodley Gardens. Searching for a mortgage lender near me in 20850, 20852 or 20853? Our mortgage lender in Rockville MD team works by phone and secure upload.
- Rockville Town Square
- Twinbrook
- King Farm
- Fallsgrove
- College Gardens
- Woodley Gardens
- Horizon Hill
- West End
- Aspen Hill
- Rockville Pike corridor
Closer to the NIH campus? See our Bethesda mortgage lender page.
Meeting in person
Rockville to our Vienna office
Most Maryland files close by phone and secure upload. If you want to sit down with a mortgage lender in Rockville MD, take I-270 to the Legion Bridge. Times below are estimates outside rush hour.
- From Town SquareI-270 south to I-495About 25 min
- From King FarmI-270 south to I-495About 30 min
- From TwinbrookRockville Pike to I-495 southAbout 25 min
- From Shady GroveI-270 south to I-495About 30 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 business owners and visa holders read before choosing a lender.
Find out what you qualify for
Get your business income counted
Tell us how you get paid, whether W-2, 1099, business deposits or a visa-backed salary. We will send what you qualify for, free and in writing.
Call (703) 752-1805 to reach a mortgage lender in Rockville 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
Rockville buyers ask us
Can I get a mortgage with bank statements in Rockville?
Yes. A mortgage lender in Rockville MD like SAI can qualify you on 12 to 24 months of personal or business deposits, usually after about two years in business.
What is the City of Rockville tax rate?
Rockville levies $0.292 per $100 of assessed value, unchanged since 1995, on top of Montgomery County and state property taxes. Not every Rockville mailing address is inside city limits.
Can H-1B holders buy in Rockville?
Often, yes, with a conventional loan and valid work authorization. HUD ended FHA eligibility for non-permanent residents in 2025.
What is the 2026 loan limit in Rockville?
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.
Do I have to come to your Vienna office?
No. Most Rockville buyers work with us by phone and secure upload. Our office is about 25 minutes away if you want to visit.