Fairfax County, Virginia
Mortgage Broker in Fairfax County
- Our home county
- Conforming up to $1,249,125
- Jumbo above the limit
Fairfax County is home. Our office sits at Towers Crescent near Tysons, and most of our files close within a few exits of it. As an independent mortgage broker in Fairfax County, we shop one application across many lenders, from a VA loan in Lorton to a jumbo in Great Falls.
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 Urdu
- NMLS179997
Where we lend
All of Fairfax County, from Great Falls to Lorton, including the towns of Vienna, Herndon and Clifton
Open in Google Maps- $760,599Typical county home
- 12 daysTypical time to pending
- $1,249,1252026 county loan limit
- $1.12Tax rate per $100
Zillow Home Value Index through 31 August 2026. FHFA and HUD 2026 one-unit limit for Fairfax County. County FY2027 adopted rate.
Where we lend
Fairfax County towns we finance
Each town page covers local prices, neighborhoods and the loans that buyers there use most. Pick yours, or call our mortgage broker in Fairfax County team if your street is not listed.
- SpringfieldVA loans near Fort Belvoir
- ViennaOur home office, move-up buyers
- AnnandaleSelf-employed and reverse
- Fairfax CityInova and George Mason
- Falls ChurchRenovation and first-time
- HerndonSouth Asian and foreign national
- McLeanJumbo loans
- RestonPhysicians and condos
- TysonsHigh-rise condos
- BurkeReverse and cash-out
- CentrevilleMove-up and first-time
- ChantillyIT consultants, bank statement
- Great FallsTop-end jumbo
- LortonVA and new construction
Loan programs
Loans that fit how Fairfax County buys
Fairfax runs from $500K condos in Tysons to $2M homes in Great Falls. Fairfax County home loans have to cover that whole range.
Jumbo loans
A jumbo loan Fairfax County buyers use starts above $1,249,125. We compare portfolio and investor jumbo options side by side.
About jumbo loansVA loans
Fort Belvoir, the Pentagon and NGA are all close. VA loans need $0 down with full entitlement and no monthly mortgage insurance.
About VA loansSelf-employed loans
IT consultants in Chantilly and restaurant owners in Annandale can qualify on bank deposits instead of tax returns.
About bank statement loansPhysician loans
Residents and attendings at Inova Fairfax and Reston Hospital can buy with low down payment and deferred student loans counted fairly.
About physician loansCondo mortgages
Tysons and Reston towers each need their own approval check. We look at the building before you write an offer.
About condo mortgagesReverse mortgages
Owners 62 and over in Burke and Springfield can turn equity into income without a monthly mortgage payment.
About reverse mortgagesWhy us
Local to Fairfax County. Not tied to one bank.
A bank can only lend its own money on its own rules. As a mortgage broker in Fairfax County, we send one file to many lenders, then put every offer in front of you in writing.
We know which towns add a tax
Vienna and Herndon add a town rate. Fairfax City has its own. We build the right number into your payment.
High-balance or jumbo, checked early
Many Fairfax homes sit just under or just over $1,249,125. We tell you which side you are on before you offer.
Eight languages, one loan officer
Farsi, Urdu, Hindi, Punjabi, Bangla, Arabic, Spanish and English. The person you call stays on your file.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Fairfax County market
Steady prices, rising bills
Zillow placed the typical Fairfax County home near $760,599 in August 2026, up 0.9 percent in a year, with homes going pending in about 12 days.
The county trimmed its tax rate to $1.12 per $100 for FY2027, but residential assessments rose an average of 3.77 percent, so most bills still went up. A mortgage broker in Fairfax County should price your payment on this year's numbers, not last year's.
Down payment on a $760,599 home
Program minimums before closing costs
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$22,818
- FHA, 3.5%$26,621
- Conventional, 20%, no PMI$152,120
Taxes by address
Same county, three different tax bills
Where your address sits changes your monthly payment. These are the FY2027 real estate rates per $100 of assessed value.
Fairfax County
Most of the county, including Springfield, Annandale, McLean, Reston and Burke.
Town of Vienna
Added on top of the county rate for homes inside town limits, for $1.31 combined.
Fairfax City
An independent city. Owners pay the city rate instead of the county rate.
Fairfax County FY2027 adopted budget; Town of Vienna FY2027 budget; Fairfax City FY2027 budget. Special district levies may apply to some parcels.
Who we help
Which one sounds like you?
Most calls about Fairfax County home loans start with one of these four.
"Our Centreville townhouse is too small, and every house we want is near the limit."
We show you where conforming ends and what a jumbo would cost before you commit to a price range.
Conforming vs jumbo"We both work in tech and one of us is on an H-1B."
Visa holders buy in Herndon and Chantilly every month. We explain the documents in Hindi, Urdu or English.
Foreign national mortgages"I just matched at Inova Fairfax and have $300K in student loans."
Physician loans can count deferred loans more fairly and ask for little down.
Student loans and physician DTI"We have lived in Burke for 30 years and want to stay."
A reverse mortgage or a cash-out refinance can free up equity. We compare both.
Reverse mortgagesMeeting in person
Getting to our office
Most Fairfax files close by phone and secure upload. If you would rather sit down with your mortgage broker in Fairfax County, we are near the I-495 and Route 7 interchange. Times below are estimates outside rush hour.
- From SpringfieldI-495 north to the Tysons exitsAbout 20 min
- From RestonDulles Toll Road east to TysonsAbout 15 min
- From Fairfax CityVA-123 north through ViennaAbout 20 min
- From BurkeBraddock Road to I-495 northAbout 25 min
Before you apply
Worth a read first
Guides Fairfax buyers read before choosing the best mortgage broker Fairfax County has to offer.
- VA loan limits in NoVAFairfax, Loudoun and Arlington
- Conforming vs jumboWhere the limit changes the loan
- Cash-out refinance, explainedTurn equity into cash
- Fixed or adjustable?Which fits your timeline
- Mortgage preapprovalBe ready in a 12-day market
- Detailed payment calculatorAdd county and town taxes
Other locations
Buying outside Fairfax County?
Your mortgage broker in Fairfax County team also lends in 13 more counties across Virginia, Maryland and DC. See every county from our locations page.
Find out what you qualify for
Know your number before the next open house
Fairfax County homes go pending in about 12 days. Tell us how you get paid and we will send what you qualify for, free and in writing. Searching for a mortgage lender near me in Fairfax? We are already here.
Call (703) 752-1805 to reach a mortgage broker in Fairfax 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
Fairfax County buyers ask us
What is the 2026 loan limit in Fairfax County?
The 2026 one-unit limit in Fairfax County is $1,249,125 for conforming and FHA loans. Anything above that is a jumbo loan. VA borrowers with full entitlement have no VA loan limit.
What is the Fairfax County real estate tax rate?
The FY2027 rate is $1.12 per $100 of assessed value, down from $1.1225. Homes in the Town of Vienna pay the town's 19 cents on top. Fairfax City is an independent city with its own $1.0725 rate instead of the county's.
How do I choose the best mortgage broker in Fairfax County?
Ask how many lenders they can send your file to, whether they are licensed in Virginia (and Maryland and DC if you might buy there), and whether they give you every offer in writing. A mortgage broker in Fairfax County should also know the town taxes and limits by heart.
Do I need a jumbo loan in Fairfax County?
Most buyers do not. The typical county home, near $760,599 in August 2026, sits well under the $1,249,125 limit. Jumbo loans show up most in McLean, Great Falls and parts of Vienna.
Is there tax relief for older or disabled homeowners?
Fairfax County runs a relief program for qualifying older and disabled homeowners, and Virginia exempts a qualifying 100 percent disabled veteran's primary home. Confirm eligibility with the county. We build it into your payment when it applies.
Is your office in Fairfax County?
Yes. Our office is at 8000 Towers Crescent Drive in the Tysons area, with a Vienna mailing address. Most clients never need to visit, but you are welcome any weekday from 9 AM to 6 PM.