Chantilly, Virginia
Mortgage Lender in Chantilly, VA
- 1099 and corp-to-corp income
- Bank statement loans
- Hindi, Urdu, Punjabi
Chantilly is contractor country. IT consultants on 1099s and corp-to-corp contracts along the Route 28 corridor often earn well but write off a lot. SAI Mortgage is an independent mortgage lender in Chantilly VA that qualifies you on what you actually bring home.
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
Chantilly on the Fairfax County side, from Greenbriar and Brookfield to Franklin Glen and Westfields, ZIP code 20151
Open in Google Maps- $820KTypical Chantilly home
- 6 daysTypical time to pending
- 57%Of sales closed over list
- $1,249,1252026 county loan limit
Zillow Home Value Index and market data through 30 June 2026. FHFA and HUD 2026 one-unit limit for Fairfax County.
Loan programs
Loans that fit how Chantilly earns
Contracts, rate changes and gaps between projects all show up in underwriting. A mortgage lender in Chantilly VA should know how each lender reads them.
Bank statement loans
A bank statement loan Chantilly contractors use counts 12 to 24 months of deposits instead of tax returns.
About bank statement loans1099-only programs
A 1099 contractor mortgage can qualify you on your 1099 forms alone, without full returns, at some lenders.
How 1099 income is usedForeign national and visa holders
H-1B, L-1 or earning abroad? We match you with lenders that accept it.
About foreign national loansJumbo loans
Bigger homes near Westfields can pass $1,249,125. We compare jumbo options.
About jumbo loansDSCR rental loans
Buying a townhouse to rent near Dulles? DSCR loans qualify on the rent.
About DSCR loansFirst-time buyer loans
Low down payment options for W-2 buyers new to the area.
About first-time buyer loansWhy us
We read contracts, not just tax returns
A bank averages your last two tax returns and stops there. As an independent mortgage lender in Chantilly VA, we send your file to lenders that read deposits, 1099s and contracts.
W-2 to 1099 switch? Still possible
Moved from a salaried job to contracting in the same field? Some lenders count it sooner than you think.
Corp-to-corp through your own LLC
We show lenders how your company pays you, so your real income counts.
Hindi, Urdu, Punjabi and Bangla
The loan officer who speaks with you in your language stays on your file to closing.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Chantilly market
High prices, bidding wars
Zillow placed the typical Chantilly home near $820,359 in June 2026, down 0.9 percent in a year, with homes going pending in about 6 days. More than half of sales closed above list, at a $769,354 median.
West of the county line, in ZIP 20152 on the Loudoun side, the 12-month median sale ran higher, near $893K. Either way, you need a firm approval before you bid. A mortgage lender in Chantilly VA should have your income documented before your first showing.
Down payment on an $820,359 home
Common levels for W-2 and self-employed buyers
- Conventional, 5%$41,018
- Bank statement loan, 10%$82,036
- Bank statement loan, 15%$123,054
- Conventional, 20%, no PMI$164,072
Who we help
Which one sounds like you?
Most calls about Chantilly home loans start with one of these four.
"I left my W-2 job for 1099 consulting eight months ago."
Some lenders accept a short history if you stayed in the same field. We know which ones.
Bank statement loans"I bill corp-to-corp through my own LLC."
Business bank statements can carry the file. We show you what to pull.
Getting a mortgage"We are on H-1Bs and my parents will help with the down payment."
Conventional loans and documented gifts can work. We explain it in Hindi, Urdu or English.
Down payment basics"I want a rental townhouse near Dulles."
DSCR loans qualify on the rent the home earns.
DSCR loansWhere we lend
Chantilly neighborhoods we finance
Our Chantilly files run from Greenbriar ramblers to newer homes near Westfields. Searching for a mortgage lender near me in 20151? Our mortgage lender in Chantilly VA team works by phone and secure upload.
- Greenbriar
- Brookfield
- Franklin Glen
- Poplar Tree
- Chantilly Highlands
- Pleasant Valley
- Westfields
- Fair Lakes
- Route 28 corridor
- Dulles Airport area
Closer to I-66? See our Centreville mortgage lender page. Buying in 20152 on the Loudoun side? Start at our locations page.
Meeting in person
Chantilly to our Vienna office
Most files close without an office visit. If you want to sit down with a mortgage lender in Chantilly VA, take I-66 or the Toll Road. Times below are estimates outside rush hour.
- From GreenbriarUS-50 east to I-66 eastAbout 25 min
- From Fair LakesI-66 east to I-495 northAbout 20 min
- From WestfieldsVA-28 north to the Dulles Toll RoadAbout 25 min
- From BrookfieldVA-28 north to the Toll Road eastAbout 25 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 contractors and business owners read before choosing a lender.
Find out what you qualify for
Get your contract income counted
Chantilly homes go pending in about 6 days. Send us how you get paid, whether W-2, 1099 or corp-to-corp, and we will send what you qualify for, free and in writing.
Call (703) 752-1805 to reach a mortgage lender in Chantilly 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
Chantilly buyers ask us
Can I get a mortgage as a 1099 IT contractor?
Yes. A mortgage lender in Chantilly VA like SAI can use bank statements, 1099 forms or full returns, whichever shows your income best.
How much do I need down on a bank statement loan?
Commonly 10 to 20 percent, depending on the lender, your credit and the loan size.
I just switched from W-2 to 1099. Do I have to wait two years?
Not always. Some lenders accept a shorter history if you stayed in the same line of work.
Is all of Chantilly in Fairfax County?
No. ZIP 20151 is Fairfax County, but ZIP 20152 is Loudoun County, with its own tax rate. The 2026 loan limit is $1,249,125 in both.
Can H-1B holders buy in Chantilly?
Often, yes, with a conventional loan and valid work authorization. HUD ended FHA eligibility for non-permanent residents in 2025.
Do I have to come to your Vienna office?
No. Most Chantilly buyers work with us by phone and secure upload. You are welcome to visit any weekday from 9 AM to 6 PM.