Arlington County, Virginia
Mortgage Broker in Arlington County
- Condo approvals checked
- Federal and cleared buyers
- Jumbo above $1,249,125
Arlington buyers work at the Pentagon, at Amazon's HQ2 in National Landing and at the contractors in between. Most start with a condo on a Metro line; some finish in a $1.5 million house off Glebe Road. SAI Mortgage is an independent mortgage broker in Arlington County that handles both.
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 Farsi and Spanish
- NMLS179997
Where we lend
All of Arlington, from Rosslyn and Ballston to Crystal City, Shirlington and the North Arlington neighborhoods
Open in Google Maps- $823KTypical Arlington home
- 9 daysTypical time to pending
- $1.053Tax rate per $100
- $1,249,1252026 loan limit
Zillow Home Value Index through 30 June 2026. Arlington County CY2026 adopted rate. FHFA and HUD 2026 one-unit limit.
Where we lend
Arlington neighborhoods we finance
From Metro-corridor towers to North Arlington single-family streets, our mortgage broker in Arlington County team works across the whole county by phone and secure upload.
- Rosslyn
- Courthouse
- Clarendon
- Ballston
- Virginia Square
- Crystal City
- Pentagon City
- Shirlington
- Columbia Pike
- Lyon Village
- Waverly Hills
- Westover
- Fairlington
- Colonial Village
- Dover Crystal
- Bluemont
Loan programs
Loans that fit how Arlington buys
Condos, federal pay scales and jumbo single-family homes make up most of the market. Arlington VA home loans have to cover all three.
Condo mortgages
An Arlington condo loan starts with the building's approval, budget and dues. We check them before you offer.
About condo mortgagesVA loans
Pentagon and Joint Base Myer-Henderson Hall service members can buy with $0 down with full entitlement.
About VA loansJumbo loans
A jumbo loan Arlington buyers need starts above $1,249,125, common in North Arlington.
About jumbo loansFirst-time buyer loans
Low down payment options for condos and townhouses, plus Virginia programs that can stack.
About first-time buyer loansPhysician loans
Doctors at VHC Health can buy with little down and deferred loans counted fairly.
About physician loansDSCR rental loans
Buying a condo near the Metro to rent? DSCR loans qualify on the rent.
About DSCR loansWhy us
Buildings, pay grades and price bands, handled
A bank has one condo policy and one jumbo desk. As a mortgage broker in Arlington County, we send your file to agency, portfolio and jumbo lenders and show every offer in writing.
Building check on day one
Litigation, reserves and investor ratios decide which loans a building allows. We check first.
Federal pay, read correctly
GS steps, locality pay and contractor offer letters are documented differently. We know what each lender wants.
Condo to house, planned
Moving from a Ballston condo to a Westover house? We plan both closings.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Arlington market
Two markets in one county
Zillow placed the typical Arlington home near $823,028 in June 2026, down 0.4 percent in a year, with homes going pending in about 9 days and a $784,967 median sale price.
That average hides a wide split: condo-heavy Colonial Village sits near $366,354, while Lyon Village is near $1,821,920. A mortgage broker in Arlington County should match the loan to the building or the block, not the county average.
Typical value by Arlington neighborhood
Zillow Home Value Index, June 2026
- Colonial Village$366,354
- North Highland$419,266
- Clarendon-Courthouse$673,038
- Waverly Hills$848,571
- Dover Crystal$1,599,026
- Lyon Village$1,821,920
Taxes and closing costs
What Arlington owners pay
Arlington raised its rate this year. These are the pieces that shape an Arlington payment.
County real estate rate
Per $100 of assessed value for 2026, up 2 cents from $1.033.
Condo and HOA fees
Many towers charge several hundred dollars a month. Lenders count every dollar.
Disabled veteran exemption
Virginia exempts a qualifying 100 percent disabled veteran's primary home from real estate tax.
Arlington County FY2027 adopted budget. We confirm the rate and any special charges for your exact address.
Who we help
Which one sounds like you?
Most calls about Arlington VA home loans start with one of these four.
"I am a GS-13 at the Pentagon and want a condo in Pentagon City."
We check the building and document your federal pay the way lenders want.
Condo mortgages"I just started at Amazon in National Landing."
A signed offer letter and first pay stub can often get you approved.
Getting a mortgage"We want to trade our Ballston condo for a house in Westover."
We plan the sale and purchase together and show you the conforming line.
Conforming vs jumbo"I have orders to JBM-HH."
Start with your Certificate of Eligibility. We can often order it for you.
Getting your VA COEMeeting in person
Arlington to our Vienna office
Most Arlington files close by phone and secure upload. If you want to sit down with your mortgage broker in Arlington County, we are about 20 minutes out I-66 or the Silver Line. Times below are estimates outside rush hour.
- From RosslynI-66 west to VA-7, TysonsAbout 20 min
- From BallstonI-66 west to VA-7About 15 min
- From Pentagon CityI-395 to I-66 westAbout 25 min
- From Ballston stationOrange to Silver Line, TysonsAbout 25 min
Before you apply
Worth a read first
Guides Arlington buyers read before searching for a mortgage lender near me.
Other locations
Buying outside Arlington?
Your mortgage broker in Arlington 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
Send us the building before you send the offer
Tell us which condo or house you like and how you get paid. We will check the building, send what you qualify for and put it in writing, free.
Call (703) 752-1805 to reach a mortgage broker in Arlington 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
Arlington buyers ask us
What is the 2026 loan limit in Arlington?
The 2026 one-unit limit is $1,249,125 for conforming and FHA loans. VA borrowers with full entitlement have no VA loan limit.
What is the Arlington real estate tax rate?
The 2026 rate is $1.053 per $100 of assessed value, up 2 cents from last year.
Why do some Arlington condos not qualify for FHA or low down payment loans?
Each building must meet lender rules on reserves, litigation and investor ownership. A mortgage broker in Arlington County like SAI checks approval before you offer and finds portfolio lenders when needed.
Can federal contractors with a new offer letter get approved?
Often, yes. Many lenders accept a signed offer letter with a start date soon after closing, plus proof of reserves.
Do condo fees affect how much I can borrow?
Yes. Lenders add the monthly HOA fee to your housing payment, so higher dues lower your maximum loan.
Do I have to come to your Vienna office?
No. Most Arlington buyers work with us by phone and secure upload. Ballston is about 15 minutes away if you want to visit.