Commonwealth of Virginia
Mortgage Broker in Virginia
- Headquartered in Vienna, VA
- 7 counties, 27 town pages
- 8 languages
SAI Mortgage is based in Vienna, and Northern Virginia is home turf, from Fairfax and Loudoun to Prince William, Stafford and Fredericksburg. As an independent mortgage broker in Virginia, we send one application to many lenders and bring every offer back 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 and Urdu
- NMLS179997
Where we lend
Northern Virginia and the I-95 corridor, from Arlington and Loudoun to Stafford and Fredericksburg
Open in Google Maps- $418KTypical Virginia home
- $760,599Typical Fairfax County home
- $1,249,1252026 loan limit, NoVA
- 7Virginia county hubs
Zillow Home Value Index, July and August 2026. FHFA and HUD 2026 one-unit limit for Washington-metro counties.
Where we lend
Virginia counties we serve
Pick your county for local prices, tax rates and town pages. Our mortgage broker in Virginia team covers all seven.
- Fairfax County14 town pages · home county
- Prince William County7 town pages · Quantico
- Loudoun County6 town pages · data center corridor
- Arlington CountyCondos and federal buyers
- City of AlexandriaPentagon and Old Town
- Stafford CountyQuantico families
- Spotsylvania & FredericksburgUSDA and VRE commuters
Loan programs
Loans Virginia buyers use most
From Pentagon PCS moves to Great Falls jumbos, Virginia home loans cover a wide range. These are the programs we place most.
VA loans
Pentagon, Fort Belvoir, Quantico and Joint Base Myer-Henderson Hall are all nearby. $0 down with full entitlement.
About VA loansJumbo loans
McLean, Great Falls and parts of Vienna and Arlington often pass $1,249,125.
About jumbo loansFHA loans
3.5 percent down with flexible credit, common in Prince William and Stafford.
About FHA loansFirst-time buyer loans
Every Virginia first time home buyer file gets a check on Virginia Housing programs that can stack on top.
About first-time buyer loansSelf-employed loans
IT contractors and business owners can qualify on bank deposits.
About bank statement loansITIN and foreign national
Visa holders, ITIN borrowers and buyers with income abroad.
About ITIN mortgagesWhy us
A Virginia lender, not tied to one bank
A bank offers only its own loans. As a mortgage broker in Virginia, we send one file to many lenders and put every offer in front of you in writing.
Local rules, checked by county
Town taxes in Vienna, Herndon and Leesburg, independent cities like Alexandria and Fairfax City. We price the right rate.
Disabled veteran exemption
Virginia exempts a qualifying 100 percent disabled veteran's primary home from real estate tax.
Eight languages, one loan officer
Spanish, Urdu, Punjabi, Hindi, Bangla, Farsi, Arabic and English.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Virginia market
Northern Virginia prices, statewide help
Zillow placed the typical Virginia home near $418,375 in July 2026, but Northern Virginia runs far higher, from Spotsylvania near $463,508 to Arlington near $823,028.
Every county on this page shares the $1,249,125 Washington-metro loan limit, so most buyers stay conforming. A mortgage broker in Virginia should match the loan to your county, not the state average.
Typical value by Virginia county
Zillow Home Value Index, 2026
- Virginia statewide$418,375
- Spotsylvania County$463,508
- Prince William County$586,907
- Fairfax County$760,599
- Loudoun County$809,557
- Arlington County$823,028
Taxes and closing costs
What changes across Virginia
Loan limits hold steady across Northern Virginia, but taxes change by county, city and town.
Loan limit
The 2026 one-unit limit for every county we serve in Virginia.
Local taxes
Vienna, Herndon and Leesburg add a town rate; Alexandria and Fairfax City set their own.
Disabled veteran exemption
Qualifying 100 percent disabled veterans pay no real estate tax on their primary home.
FHFA and HUD 2026 limits; county and town FY2027 budgets. We confirm the rate for your exact address.
Who we help
Which one sounds like you?
Most calls about Virginia home loans start with one of these four.
"I have PCS orders to the Pentagon."
Start with your Certificate of Eligibility. We can often order it for you.
Getting your VA COE"We want to stop renting in Woodbridge."
Virginia Housing programs and FHA can lower what you bring.
Virginia first-time buyer programs"The house in McLean is over the limit."
We price a jumbo against a larger down payment.
Conforming vs jumbo"I am self-employed in Chantilly."
Bank statement loans count your deposits instead of your return.
Bank statement loansMeeting in person
Visiting our Vienna office
Most files close by phone and secure upload. If you want to sit down with a mortgage broker in Virginia, we are at Towers Crescent near Tysons. Times below are estimates outside rush hour.
- From ArlingtonI-66 west to VA-7About 15 min
- From AshburnDulles Toll Road eastAbout 25 min
- From WoodbridgeI-95 north to I-495About 35 min
- From FredericksburgI-95 north to I-495About 60 min
Before you apply
Worth a read first
Guides Virginia buyers read before searching for a mortgage lender near me.
Other locations
Buying in Maryland or DC?
Your mortgage broker in Virginia team also lends across Maryland and Washington, DC. See every county from our locations page.
Find out what you qualify for
Start with your county, finish with one lender
Tell us where in Virginia you are buying and how you get paid. We will send what you qualify for, free and in writing. Looking for a mortgage lender Northern Virginia buyers trust? You found us.
Call (703) 752-1805 to reach a mortgage broker in Virginia 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
Virginia buyers ask us
Which Virginia areas does SAI Mortgage serve?
All of Northern Virginia and the I-95 corridor: Fairfax, Prince William, Loudoun, Arlington, Alexandria, Stafford, Spotsylvania and Fredericksburg. As a mortgage broker in Virginia, we can also review files elsewhere in the state.
What is the 2026 loan limit in Northern Virginia?
$1,249,125 for a one-unit home in every county on this page. VA borrowers with full entitlement have no VA loan limit.
Are there first-time buyer programs in Virginia?
Yes. Virginia Housing offers programs for eligible buyers. We check which ones fit before you set a budget.
Do disabled veterans pay property tax in Virginia?
Virginia exempts a qualifying 100 percent service-connected disabled veteran's primary home from real estate tax.
Which languages do you speak?
Eight: English, Spanish, Urdu, Punjabi, Hindi, Bangla, Farsi and Arabic.
Where is your office?
8000 Towers Crescent Drive, Suite 210, Vienna, VA 22182. Monday to Friday, 9 AM to 6 PM.