Bowie, Maryland
Mortgage Lender in Bowie, MD
- Refinance and cash-out
- Right-size without a payment
- Reverse mortgages at 62+
Bowie is a long-established homeowner city. Many families bought decades ago in Belair, Kenilworth or Pointer Ridge and now hold real equity. SAI Mortgage is a Maryland-licensed mortgage lender in Bowie MD that helps you refinance, pull cash or right-size, and compares every option in writing.
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
Bowie, from Old Bowie and Belair to Kenilworth, Pointer Ridge, Fairwood and Mitchellville, ZIP codes 20715 to 20721
Open in Google Maps- $531KTypical Bowie home
- 13 daysTypical time to pending
- 44%Of sales closed over list
- $1,249,1252026 HECM limit
Zillow Home Value Index and market data through 30 June 2026. 2026 HECM maximum claim amount (HUD).
Loan programs
Loans that fit how Bowie owners live
In Bowie, the next loan is more often a refinance than a purchase. A mortgage lender in Bowie MD should compare every way to use your equity.
Refinance
A refinance Bowie MD owners choose can lower a payment, shorten a term or remove PMI.
About refinancingCash-out refinance
A cash-out refinance Maryland owners use can fund repairs, college or a child's down payment.
How cash-out worksReverse mortgages
Owners 62 and older can turn equity into income or a credit line with no monthly mortgage payment.
About reverse mortgagesRenovation loans
Age in place with a first-floor bedroom or a new bath, financed in one loan.
About renovation loansVA loans
Veterans can use VA refinance and purchase options, including near Joint Base Andrews.
About VA loansFirst-time buyer loans
Your adult children want to buy nearby? Pathway to Purchase may help them.
About first-time buyer loansWhy us
Three paths, compared side by side
A bank will usually offer the one product it has. As an independent mortgage lender in Bowie MD, we put a refinance, a cash-out, a reverse mortgage and a sale side by side, in writing.
Honest about when to wait
If your current rate beats today's, we will tell you. Sometimes the best refinance is none.
Buy the next home with a reverse
HECM for Purchase lets buyers 62 and older move to a one-level home with no monthly mortgage payment.
Family can join the call
Bring your children or your financial advisor. We explain every step at your pace.
No credit check to start
We ask what you want to do first. We pull credit only when you choose to move forward.
The Bowie market
Steady prices, deep equity
Zillow placed the typical Bowie home near $530,886 in June 2026, down 0.3 percent in a year, with homes going pending in about 13 days. Nearly half of sales closed above list, at a $491,667 median.
For long-time owners, that means real equity. A mortgage lender in Bowie MD should show you exactly how much you can use, and what each option costs you and your heirs.
Cash-out on a $530,886 Bowie home
Example with a $200,000 current balance
- Home value$530,886
- 80% cash-out loan amount$424,709
- Current loan payoff (example)$200,000
- Cash before closing costs$224,709
Who we help
Which one sounds like you?
Most calls about Bowie home loans start with one of these four.
"We still have 18 years left. Can we shorten that?"
A refinance to a shorter term may work. We show the payment change first.
Fixed or adjustable?"We want to help our daughter buy her first home."
A cash-out refinance or a gift can help. We show what each costs you.
Cash-out refinance, explained"We are 68 and the house is paid off."
A reverse mortgage can add income with no monthly payment. You keep the title.
Reverse mortgages"The kids are gone and we want one level."
HECM for Purchase or a regular move-down loan can fit. We compare both.
Closing timelineWhere we lend
Bowie neighborhoods we finance
Our Bowie files run from Levitt-era homes in Belair to newer sections in Fairwood. Searching for a mortgage lender near me in Bowie? Our mortgage lender in Bowie MD team works by phone, video and secure upload.
- Old Bowie
- Belair
- Kenilworth
- Tulip Grove
- Somerset
- Pointer Ridge
- Fairwood
- Mitchellville
- Bowie Town Center area
- Woodmore
Looking toward Fort Meade? See our Laurel mortgage lender page.
Meeting in person
Bowie to our Vienna office
Most Maryland files close by phone and secure upload. If you want to meet a mortgage lender in Bowie MD in person, we are about 45 minutes around the Beltway. Times below are estimates outside rush hour.
- From Old BowieUS-50 west to I-495About 45 min
- From BelairUS-50 west to I-495About 45 min
- From FairwoodUS-50 west to I-495About 45 min
- From MitchellvilleMD-214 to I-495 westAbout 45 min
Other locations
More of Prince George's County
The same team and lenders cover every town in the county. Start with our Prince George's County mortgage broker page for county-wide limits, tax rates and market data.
Before you apply
Worth a read first
What long-time owners read before they tap their equity.
Find out what you qualify for
See every option before you decide
Tell us what you want: a lower payment, cash, or a smaller home. We will put a refinance, a cash-out and a reverse mortgage side by side, free and in writing.
Call (703) 752-1805 to reach a mortgage lender in Bowie 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
Bowie buyers ask us
Should I refinance my Bowie home?
It depends on your current rate, balance and goals. A mortgage lender in Bowie MD like SAI compares the new loan with keeping your current one, and tells you honestly when waiting wins.
How much cash can I take out?
Many conventional cash-out loans go up to 80 percent of your home's value, minus what you owe.
How old do I have to be for a reverse mortgage?
At least 62, and the home must be your primary residence. The 2026 HECM maximum claim amount is $1,249,125.
Can I buy a new home with a reverse mortgage?
Yes. HECM for Purchase lets buyers 62 and older buy with a reverse mortgage plus a down payment, and no monthly mortgage payment.
Does the City of Bowie add a property tax?
Yes. Homes inside city limits pay a city rate on top of county and state taxes. Some Bowie mailing addresses sit outside the city.
Is SAI licensed in Maryland?
Yes. SAI Mortgage, NMLS 179997, is licensed in Maryland, Virginia and DC.