Annandale, Virginia
Mortgage Lender in Annandale, VA
- Bank statement loans
- Hablamos español
- Reverse mortgages at 62+
Annandale runs on small business. Restaurant owners, contractors and shopkeepers along Little River Turnpike often earn more than their tax return shows. SAI Mortgage is an independent mortgage lender in Annandale VA that qualifies you on how you really get paid.
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
Annandale, from Lake Barcroft to Ravensworth and Wakefield Chapel, ZIP code 22003
Open in Google Maps- $687KTypical Annandale home
- 6 daysTypical time to pending
- $1,249,1252026 county loan limit
- $1.12Tax rate per $100
Zillow Home Value Index through 30 June 2026. FHFA and HUD 2026 one-unit limit for Fairfax County. County FY2027 adopted rate.
Loan programs
Loans that fit how Annandale earns and buys
Business owners, first-time renters and long-time owners all buy here. One mortgage lender in Annandale VA can match each of them to the right program.
Self-employed loans
A bank statement loan Annandale owners use counts 12 to 24 months of deposits instead of your tax return.
About bank statement loansFHA loans
A first time home buyer Annandale file can start at 3.5 percent down with FHA, a common route into townhouses off Columbia Pike.
About FHA loansFirst-time buyer loans
Low down payment options plus a check on which Virginia programs can stack on top.
About first-time buyer loansITIN loans
No Social Security number yet? You can still buy with an ITIN. We explain every step in Spanish or English.
About ITIN mortgagesRenovation loans
Many homes here date from the 1950s and 1960s. Roll the new kitchen or roof into one loan.
About renovation loansReverse mortgages
Owners 62 and older can turn equity into income with no monthly mortgage payment.
About reverse mortgagesWhy us
We read the whole picture, not one tax line
A bank checks your file against one rulebook. As an independent mortgage lender in Annandale VA, we send it to many lenders and bring every offer back in writing.
Business income, counted properly
We look at deposits, a CPA profit and loss statement or your returns, and use whichever shows your real income.
Spanish from first call to closing
The loan officer who speaks with you in Spanish stays on your file the whole way.
Older homes are not a problem
Renovation loans let you buy the rambler and fix it with one loan and one closing.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Annandale market
Fast offers across a wide range
Zillow placed the typical Annandale home near $687,377 in June 2026, up 0.6 percent in a year, with homes going pending in about 6 days. Redfin's July median sale price was higher, at $819,590, because it counts only the homes that closed that month.
Either way, prices sit far below the $1,249,125 county limit, so the down payment is the real hurdle. A mortgage lender in Annandale VA should show you every option before you write an offer.
Down payment on a $687,377 home
Program minimums before closing costs
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$20,621
- FHA, 3.5%$24,058
- Conventional, 20%, no PMI$137,475
Who we help
Which one sounds like you?
Most calls to our Annandale team start with one of these four.
"I have owned my restaurant for 11 years, but my return shows almost nothing."
Your deposits tell the real story. We qualify you on what goes into the account.
Bank statement loans"Llevamos años rentando en Annandale."
Compare your rent with a 3.5 percent down payment. Call and ask for Spanish.
FHA credit score in Virginia"We are in our 70s and the house is paid off."
A reverse mortgage can add monthly income, and you keep the title.
Reverse mortgages"The rambler is perfect, but the kitchen is from 1962."
A renovation loan covers the purchase and the remodel in one mortgage.
Renovation loansWhere we lend
Annandale neighborhoods we finance
Our Annandale files run from lakefront homes in Lake Barcroft to mid-century houses in Holmes Run Acres. Searching for a mortgage lender near me in 22003? Our mortgage lender in Annandale VA team works by phone and secure upload.
- Lake Barcroft
- Ravensworth
- Canterbury Woods
- Wakefield Chapel
- Woodburn Village
- Holmes Run Acres
- Broyhill Crest
- Camelot
- Truro
- Annandale Terrace
- Sleepy Hollow
- Columbia Pike corridor
Closer to Springfield? See our Springfield mortgage lender page.
Meeting in person
Annandale to our Vienna office
Most files close without an office visit. If you want to sit down with us, a mortgage lender in Annandale VA is about 20 minutes up the Beltway. Times below are estimates outside rush hour.
- From downtown AnnandaleLittle River Turnpike to I-495 northAbout 20 min
- From Lake BarcroftVA-7 west to TysonsAbout 20 min
- From RavensworthBraddock Road to I-495 northAbout 20 min
- From NOVA Annandale campusWakefield Chapel Road to I-495 northAbout 20 min
Other locations
More of Fairfax County
The same team and lenders cover every town in the county. Start with our Fairfax County mortgage broker page for county-wide limits, tax rates and market data.
Before you apply
Worth a read first
What buyers read before choosing a lender for their Annandale home loans.
Find out what you qualify for
Find out what your business income can buy
Annandale homes go pending in about 6 days. Tell us how you get paid and we will send what you qualify for, free and in writing. Most preapprovals take one to two days.
Call (703) 752-1805 to reach a mortgage lender in Annandale VA 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
Annandale buyers ask us
What is the 2026 loan limit in Annandale, VA?
Annandale is in Fairfax County, where the 2026 one-unit limit is $1,249,125 for conforming and FHA loans. VA borrowers with full entitlement have no VA loan limit.
Can I get a mortgage with bank statements instead of tax returns?
Yes. A mortgage lender in Annandale VA like SAI can qualify you on 12 to 24 months of personal or business deposits, usually after about two years in business.
Can I buy with an ITIN?
Yes. ITIN loans work without a Social Security number, usually with a larger down payment. We explain every step in Spanish or English.
How much can I get from a reverse mortgage in 2026?
The 2026 HECM maximum claim amount is $1,249,125. What you receive depends on your age, your home value and current rates. You must be 62 or older and live in the home.
Does Annandale have its own property tax?
No. Annandale is unincorporated, so owners pay the Fairfax County rate of $1.12 per $100 for FY2027.
Do I have to come to your Vienna office?
No. Most Annandale buyers work with us by phone and secure document upload. You are welcome to visit any weekday from 9 AM to 6 PM.