Centreville, Virginia
Mortgage Lender in Centreville, VA
- First-time and move-up
- Hindi, Urdu, Punjabi
- Prices softer this year
Centreville is where many Northern Virginia families buy their first townhouse, then their first single-family home a few streets away. SAI Mortgage is an independent mortgage lender in Centreville VA that handles both steps, in eight languages.
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 Hindi and Urdu
- NMLS179997
Where we lend
Centreville, from Sully Station and Virginia Run to Little Rocky Run and Old Centreville, ZIP codes 20120 and 20121
Open in Google Maps- $637KMedian sale, ZIP 20120
- $517KMedian sale, ZIP 20121
- -7%Price change, 12 months
- $1,249,1252026 county loan limit
ATTOM closed-sale data via TopHap, 12 months through August 2026. FHFA and HUD 2026 one-unit limit for Fairfax County.
Loan programs
Loans that fit how Centreville buys
Townhouse first, house second, sometimes both in the same year. A mortgage lender in Centreville VA should plan the sale and the purchase together.
First-time buyer loans
A first time home buyer Centreville file can start at 3 percent down, plus Virginia programs that can stack.
About first-time buyer loansMove-up conventional
A move-up mortgage Centreville families use often pairs your townhouse equity with a new loan. We time both closings.
See all loan programsFHA loans
3.5 percent down with flexible credit, common for townhouses in 20121.
About FHA loansVA loans
Veterans commuting on I-66 can buy with $0 down and no monthly mortgage insurance.
About VA loansSelf-employed loans
Business owners along Route 29 and Route 28 can qualify on bank deposits.
About bank statement loansForeign national loans
On a work visa or earning abroad? We match you with lenders that accept it.
About foreign national loansWhy us
Sell one, buy one, without the panic
A bank offers only its own loans. As an independent mortgage lender in Centreville VA, we send your file to many lenders and bring every offer back in writing.
Buy before you sell
Some lenders let you use your current home's equity before it sells. We show you which ones.
Hindi, Urdu and Punjabi
The loan officer who speaks with you in your language stays on your file to closing.
Softer prices, planned properly
Prices dipped this year. We help you use that without overstretching.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Centreville market
A market that finally breathes
Over the 12 months through August 2026, ZIP 20120 posted a $637K median sale price, down 6.9 percent, on 453 sales. ZIP 20121 came in at $517K, down 7.5 percent, on 254 sales.
For buyers, softer prices mean more room to negotiate. For move-up families, they mean selling and buying in the same market. A mortgage lender in Centreville VA should run both sides before you list.
Down payment on a $637,000 home
Program minimums before closing costs
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$19,110
- FHA, 3.5%$22,295
- Conventional, 20%, no PMI$127,400
Who we help
Which one sounds like you?
Most calls about Centreville home loans start with one of these four.
"We have outgrown our Centre Ridge townhouse."
We plan the sale and the purchase together so you do not carry two payments longer than needed.
Closing timeline"My wife and I are both on H-1Bs."
Conventional loans often work with valid work authorization. We explain it in Hindi or English.
Foreign national mortgages"We rent near Route 29 and want our first place."
Compare your rent with 3 percent down. Many families are surprised.
Virginia first-time buyer programs"I run a restaurant and my return does not show it."
Bank statement loans count your deposits instead.
Bank statement loansWhere we lend
Centreville neighborhoods we finance
Our Centreville files run from townhouses near Centreville Square to single-family homes in Little Rocky Run. Searching for a mortgage lender near me in 20120 or 20121? Our mortgage lender in Centreville VA team works by phone and secure upload.
- Little Rocky Run
- Centre Ridge
- Sully Station
- Virginia Run
- London Towne
- Country Club Manor
- Centreville Farms
- Chalet Woods
- Fairfax National Estates
- Old Centreville
Closer to Route 28? See our Chantilly mortgage lender page.
Meeting in person
Centreville to our Vienna office
Most files close without an office visit. If you want to sit down with a mortgage lender in Centreville VA, we are straight down I-66. Times below are estimates outside rush hour.
- From Centreville SquareI-66 east to I-495 northAbout 25 min
- From Little Rocky RunUnion Mill Road to I-66 eastAbout 25 min
- From Sully StationVA-28 south to I-66 eastAbout 30 min
- From Virginia RunUS-29 to I-66 eastAbout 30 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 first-time and move-up buyers read before choosing a lender.
Find out what you qualify for
Plan your next move in one conversation
Tell us what you own, what you want and how you get paid. We will send what you qualify for, free and in writing, with your sale built in.
Call (703) 752-1805 to reach a mortgage lender in Centreville 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
Centreville buyers ask us
Are home prices in Centreville going down?
Over the 12 months through August 2026, median sale prices fell about 7 percent in both 20120 and 20121. A mortgage lender in Centreville VA like SAI can help you use softer prices without overbuying.
Can I buy a new home before selling my townhouse?
Often, yes. Some lenders count your current home's equity or let you carry both payments for a short time. We show you which programs fit.
What is the 2026 loan limit in Centreville?
Centreville is in Fairfax County, where the 2026 one-unit limit is $1,249,125 for conforming and FHA loans.
Can H-1B holders buy in Centreville?
Often, yes, with a conventional loan and valid work authorization. HUD ended FHA eligibility for non-permanent residents in 2025.
Do you speak Hindi, Urdu or Punjabi?
Yes. Our team works in eight languages. The person who speaks with you handles your loan to closing.
Do I have to come to your Vienna office?
No. Most Centreville buyers work with us by phone and secure upload. You are welcome to visit any weekday from 9 AM to 6 PM.