Laurel, Maryland
Mortgage Lender in Laurel, MD
- VA near Fort Meade
- Cleared and federal workers
- DSCR investor loans
Laurel sits between DC and Baltimore, with Fort Meade and NSA just east and MARC trains in both directions. Buyers here are often cleared professionals, service members or investors buying rentals. SAI Mortgage is a Maryland-licensed mortgage lender in Laurel MD that handles all three.
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
Laurel, from Old Town and Montpelier to West Laurel, Konterra, Russett and Maryland City, ZIP codes 20707 to 20724
Open in Google Maps- $481KTypical Laurel home
- 9 daysTypical time to pending
- $1,882Average monthly rent
- 4Counties with Laurel addresses
Zillow Home Value Index, market data and Observed Rent Index through 30 June 2026.
Loan programs
Loans that fit how Laurel buys
A soldier on orders, a cleared contractor and a rental investor may tour the same townhouse. A mortgage lender in Laurel MD should match each to the right loan.
VA loans
Fort Meade home loans for service members can mean $0 down with full entitlement and no monthly mortgage insurance.
About VA loansDSCR rental loans
A DSCR loan Laurel investors use qualifies on the rent, not your tax return.
About DSCR loansFirst-time buyer loans
Maryland programs and, for Prince George's addresses, Pathway to Purchase may help eligible buyers.
About first-time buyer loansFHA loans
3.5 percent down with flexible credit for townhouses and condos.
About FHA loansCondo mortgages
Condos near Laurel Lakes and the MARC need a building check.
About condo mortgagesRefinance and cash-out
Pull equity from one rental to buy the next.
About refinancingWhy us
Four counties, one lender who knows the lines
A bank checks one rulebook. As an independent mortgage lender in Laurel MD, we send your file to VA, DSCR and Maryland program lenders and bring every offer back in writing.
We check the county first
Laurel spans Prince George's, Anne Arundel, Howard and Montgomery. Taxes, programs and loan limits change with the line.
Orders and clearances, understood
PCS dates at Fort Meade do not move. We schedule around them and document contractor pay the way lenders want.
Investor math before you offer
We run rent, taxes, insurance and dues against DSCR ratios so you know if the deal works.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Laurel market
Quick sales between two cities
Zillow placed the typical Laurel home near $480,750 in June 2026, down 0.6 percent in a year, with homes going pending in about 9 days and a $443,667 median sale price. Average rent was about $1,882, roughly 4.7 percent of value each year.
Laurel addresses sit in four counties. Those in Anne Arundel or Howard fall in the Baltimore metro, with an $832,750 conforming limit instead of Prince George's $1,249,125. A mortgage lender in Laurel MD should confirm the county before you offer.
Down payment on a $480,750 home
Before help and closing costs
- VA loan, full entitlement$0
- FHA, 3.5%$16,826
- Conventional, first-time buyer, 3%$14,422
- DSCR investor, 25%$120,188
Who we help
Which one sounds like you?
Most calls about Laurel home loans start with one of these four.
"I have orders to Fort Meade this summer."
Start with your Certificate of Eligibility. We can often order it for you.
Getting your VA COE"I work at NSA and want a townhouse near the MARC."
We document your federal or contractor pay the way lenders want.
Getting a mortgage"I want a rental near Laurel Lakes."
DSCR loans qualify on the rent. We run the numbers first.
DSCR loans"Does BAH count toward my loan?"
Often, yes. Lenders can count it as income with the right documents.
BAH as incomeWhere we lend
Laurel neighborhoods we finance
Our Laurel files run from townhouses near Laurel Lakes to single-family homes in Montpelier. Searching for a mortgage lender near me in 20707 or 20708? Our mortgage lender in Laurel MD team works by phone and secure upload.
- Old Town Laurel
- Montpelier
- West Laurel
- South Laurel
- Laurel Lakes
- Konterra
- Russett
- Maryland City
- North Laurel
- Scaggsville
Looking closer to DC? See our Hyattsville mortgage lender page.
Meeting in person
Laurel to our Vienna office
Most Maryland files close by phone and secure upload. If you want to meet a mortgage lender in Laurel MD in person, we are about 45 minutes away. Times below are estimates outside rush hour.
- From Old Town LaurelI-95 south to I-495 westAbout 45 min
- From Fort MeadeMD-32 to I-95 southAbout 50 min
- From MontpelierI-95 south to I-495 westAbout 45 min
- From KonterraI-95 south 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 military, federal and investor buyers read before choosing a lender.
Find out what you qualify for
Get your number before your report date
Tell us your orders, your job or your rental plan, and which county the address is in. We will send your options, free and in writing.
Call (703) 752-1805 to reach a mortgage lender in Laurel 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
Laurel buyers ask us
Which county is Laurel, MD in?
Laurel addresses sit in Prince George's, Anne Arundel, Howard and Montgomery counties. A mortgage lender in Laurel MD like SAI confirms the county first, since taxes, programs and loan limits change with it.
Can I buy near Fort Meade with $0 down?
Yes, if you qualify for a VA loan with full entitlement. We time your closing to your report date.
How does a DSCR loan work?
The lender compares the expected rent to the payment, taxes, insurance and dues. If rent covers them, you can qualify without personal income.
Is the loan limit the same across Laurel?
No. Prince George's and Montgomery addresses use $1,249,125 for 2026. Anne Arundel and Howard addresses fall in the Baltimore metro and use the $832,750 baseline, with a $747,500 FHA limit.
Can I use Pathway to Purchase in Laurel?
Only for eligible first-time buyers purchasing a Prince George's County address they will live in.
Is SAI licensed in Maryland?
Yes. SAI Mortgage, NMLS 179997, is licensed in Maryland, Virginia and DC.