Prince George's County, Maryland
Mortgage Broker in Prince George's County, MD
- Up to $50,000 in county help
- DSCR investor loans
- Hablamos español
Prince George's offers some of the most affordable homes inside the Beltway, one of the region's biggest down payment programs and strong rental demand. SAI Mortgage is a Maryland-licensed mortgage broker in Prince George's County for first-time buyers and investors alike.
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
All of Prince George's County, from Hyattsville and College Park to Bowie, Laurel, Upper Marlboro and National Harbor
Open in Google Maps- $430KTypical county home
- 19 daysTypical time to pending
- $50,000Max county buyer help
- $1,940Average monthly rent
Zillow Home Value Index, market data and Observed Rent Index through 31 July 2026. Prince George's County Pathway to Purchase guidelines, 2026.
Where we lend
Prince George's towns we finance
Each town page covers local prices, neighborhoods and the loans buyers there use most. Pick yours, or call our mortgage broker in Prince George's County team if your street is not listed.
Loan programs
Loans that fit how Prince George's buys
First-time buyers and investors make up most of the market. Prince George's County home loans have to fit both.
FHA loans
3.5 percent down with flexible credit, and it pairs with county and state help.
About FHA loansFirst-time buyer loans
Pathway to Purchase can add up to $50,000 for eligible first-time buyers. We check it first.
About first-time buyer loansDSCR rental loans
A DSCR loan Maryland investors use qualifies on the rent, not your tax return.
About DSCR loansVA loans
Joint Base Andrews families can buy with $0 down with full entitlement.
About VA loansITIN loans
No Social Security number yet? You can still buy with an ITIN. We explain every step in Spanish.
About ITIN mortgagesRefinance and cash-out
Owners can use equity for repairs, payoff or the next rental.
About refinancingWhy us
County help for buyers, clean math for investors
A bank offers its own loans. As a Maryland-licensed mortgage broker in Prince George's County, we send your file to many lenders, including Maryland Mortgage Program and DSCR lenders, and bring every offer back in writing.
Pathway to Purchase, checked first
Up to $50,000 for eligible first-time buyers, forgiven after 10 years of living in the home. We check income and price limits first.
Investor math, done properly
We run rent, taxes, insurance and dues against the DSCR lenders' ratios before you offer.
Spanish from first call to closing
The loan officer who speaks with you in Spanish stays on your file the whole way.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Prince George's market
Affordable inside the Beltway
Zillow placed the typical Prince George's County home near $430,494 in July 2026, down 0.8 percent in a year, with homes going pending in about 19 days and a $413,633 median sale price.
Average rent sat near $1,940 a month. That gap is why both first-time buyers and investors look here. A mortgage broker in Prince George's County should show buyers what the county's help covers and show investors whether the rent covers the loan.
Down payment on a $430,494 home
Before county help and closing costs
- VA loan, full entitlement$0
- FHA, 3.5%$15,067
- Conventional, first-time buyer, 3%$12,915
- DSCR investor loan, 25%$107,624
Taxes and closing costs
What helps and what adds up
Prince George's has large buyer help programs, and Maryland adds closing taxes. Here is what we plan for.
Pathway to Purchase
Up to $50,000 in down payment and closing cost help for eligible first-time buyers, forgiven after 10 years of living in the home.
Maryland partner match
Pairing with a Maryland Mortgage Program loan can add up to $6,000 more for eligible buyers.
State and county closing taxes
First-time Maryland buyers pay no share of the state transfer tax on an owner-occupied home. County taxes still apply.
Prince George's County DHCD Pathway to Purchase guidelines and December 2025 release. Income, price and residency limits apply. We confirm current terms on your file.
Who we help
Which one sounds like you?
Most calls about Prince George's County home loans start with one of these four.
"Rentamos en Langley Park y queremos comprar."
FHA plus Pathway to Purchase can lower what you bring. Call and ask for Spanish.
Maryland Mortgage Program"I own two rentals in DC and want one in Hyattsville."
DSCR loans qualify on the rent, not your tax return.
DSCR loans"I am stationed at Joint Base Andrews."
Start with your Certificate of Eligibility. We can often order it for you.
Getting your VA COE"We bought in Bowie in 2012 and want to lower our payment."
A refinance may help. We compare it with keeping your current loan.
RefinancingMeeting in person
Prince George's to our Vienna office
Most Maryland files close by phone and secure upload. If you want to sit down with your mortgage broker in Prince George's County, we are around the Beltway. Times below are estimates outside rush hour.
- From HyattsvilleI-495 west across the Legion BridgeAbout 35 min
- From National HarborI-495 west across the Wilson BridgeAbout 35 min
- From BowieUS-50 west to I-495About 45 min
- From LaurelI-95 south to I-495 westAbout 45 min
Before you apply
Worth a read first
Guides Prince George's buyers read before searching for a mortgage lender near me.
Other locations
Buying outside Prince George's?
Your mortgage broker in Prince George's County team also lends in 13 more counties and cities across Virginia, Maryland and DC. See every one from our locations page.
Find out what you qualify for
Find out what the county will help with
Tell us whether you are buying a home to live in or a rental, and how you get paid. We will check Pathway to Purchase or run the DSCR math, free and in writing.
Call (703) 752-1805 to reach a mortgage broker in Prince George's County 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
Prince George's buyers ask us
What is Pathway to Purchase?
Prince George's County's first-time buyer program offers up to $50,000 in down payment and closing cost help as a 0 percent deferred loan, forgiven after 10 years of living in the home. A mortgage broker in Prince George's County like SAI checks income and price limits first.
Can investors use Pathway to Purchase?
No. It is for first-time buyers who will live in the home. Investors usually use DSCR or conventional investment loans.
How does a DSCR loan work?
The lender compares the property's expected rent to its monthly payment, taxes, insurance and dues. If the rent covers them, you can qualify without using your personal income.
What is the 2026 loan limit in Prince George's County?
The 2026 one-unit limit is $1,249,125 for conforming and FHA loans.
Can I buy with an ITIN?
Yes. ITIN loans work without a Social Security number, usually with a larger down payment.
Is SAI licensed in Maryland?
Yes. SAI Mortgage, NMLS 179997, is licensed in Maryland, Virginia and DC.