Fairfax City, Virginia
Mortgage Lender in Fairfax City, VA
- Physician loans
- City tax rate $1.0725
- Minutes from George Mason
Fairfax City buyers include doctors and nurses at Inova, faculty at George Mason and families moving up from a townhouse to a house near Old Town. SAI Mortgage is an independent mortgage lender in Fairfax City VA that shops one application across many lenders.
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 Urdu and Hindi
- NMLS179997
Where we lend
Fairfax City, from Old Town Fairfax to Mosby Woods, plus nearby Fairfax addresses in 22030 to 22032
Open in Google Maps- $799KTypical Fairfax home
- 6 daysTypical time to pending
- $1,249,1252026 loan limit
- $1.0725City tax rate per $100
Zillow Home Value Index for Fairfax, VA through 30 June 2026. FHFA and HUD 2026 one-unit limit. Fairfax City FY2027 adopted rate.
Loan programs
Loans that fit how Fairfax City buys
A new attending, a professor on a nine-month contract and a family trading up all need different paperwork. One mortgage lender in Fairfax City VA can line up each of them.
Physician loans
A physician loan Fairfax doctors use can ask for little down, skip PMI and count deferred student loans more fairly.
About physician loansFirst-time buyer loans
Low down payment options for graduate students turned staff, plus a check on Virginia programs that can stack.
About first-time buyer loansJumbo loans
Homes in North Hill and parts of Mantua can top $1,249,125. We compare jumbo options side by side.
About jumbo loansFHA loans
3.5 percent down and flexible credit for condos and townhouses along Route 50 and Route 29.
About FHA loansRefinance and cash-out
Owners who bought before 2020 often have deep equity. Use it for an addition or tuition.
About refinancingRenovation loans
Many city homes date from the 1950s and 1960s. Buy and update with one loan.
About renovation loansWhy us
Built for contracts, residencies and offer letters
A bank can offer only its own loans. As an independent mortgage lender in Fairfax City VA, we send your file to many lenders and bring every offer back in writing.
Your contract can be your income
Starting at Inova next month? Many lenders will close on a signed employment contract before your first paycheck.
Nine-month salaries, counted right
University pay spread over nine or twelve months is documented differently. We know what each lender wants.
City tax, not county tax
Fairfax City owners pay $1.0725, not the county's $1.12. Your payment estimate uses the right number.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Fairfax City market
Quick offers, a lower tax rate
Zillow placed the typical Fairfax, VA home near $798,660 in June 2026, down 0.2 percent in a year, with homes going pending in about 6 days and a $785,000 median sale price. In the city itself, Mosby Woods sat near $785,754 and Old Lee Hills near $874,336.
Because Fairfax City is independent, its owners pay the city rate of $1.0725 per $100 instead of the county rate. On an $800,000 home, that is roughly $380 a year less. A mortgage lender in Fairfax City VA should build that into your numbers.
Down payment on a $798,660 home
Program minimums before closing costs
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$23,960
- FHA, 3.5%$27,953
- Conventional, 20%, no PMI$159,732
Who we help
Which one sounds like you?
Most calls about Fairfax City home loans start with one of these four.
"I start at Inova Fair Oaks in July and have not been paid yet."
A signed contract can often stand in for pay stubs. We line up lenders that accept it.
Student loans and physician DTI"I teach at George Mason and get paid over nine months."
We show lenders your contract and pay schedule so your full salary counts.
First-time buyer loans"We love our townhouse, but we need a yard."
Sell and buy at once. We plan both closings and show you the high-balance line.
Conforming vs jumbo"Our 1962 split-level needs a new kitchen and roof."
A renovation or cash-out loan can cover it. We compare both.
Renovation loansWhere we lend
Fairfax City neighborhoods we finance
Our files run from cottages near Old Town to four-bedroom colonials in Country Club Hills. Searching for a mortgage lender near me in 22030? Our mortgage lender in Fairfax City VA team works by phone and secure upload.
- Old Town Fairfax
- Mosby Woods
- Country Club Hills
- Old Lee Hills
- Fairchester
- Cobbdale
- Farrcroft
- Westmore
- Fairfax Acres
- Northfax
- Mantua
- Fair Oaks
Buying on the Merrifield side? See our Falls Church mortgage lender page.
Meeting in person
Fairfax City to our Vienna office
Most files close without an office visit. If you want to sit down with a mortgage lender in Fairfax City VA, we are straight up Route 123. Times below are estimates outside rush hour.
- From Old Town FairfaxVA-123 north through ViennaAbout 20 min
- From George MasonVA-123 north to TysonsAbout 25 min
- From Mosby WoodsUS-50 east to I-495 northAbout 20 min
- From Inova Fair OaksI-66 east 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 mortgage lender Fairfax VA families recommend.
Find out what you qualify for
Have your letter ready before the next listing
Fairfax 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 Fairfax City 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
Fairfax City buyers ask us
Is Fairfax City part of Fairfax County?
No. The City of Fairfax is an independent city surrounded by Fairfax County. It sets its own tax rate, $1.0725 per $100 for FY2027, and owners pay that instead of the county rate.
What is the 2026 loan limit in Fairfax City?
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 buy before I start my residency or new job?
Often, yes. A mortgage lender in Fairfax City VA like SAI can work with lenders that accept a signed employment contract, usually with a start date within 90 days.
Do physician loans require PMI?
Most physician loans skip private mortgage insurance, even with a low down payment. Terms vary by lender, so we compare several.
Can a George Mason employee use a nine-month salary?
Yes, when the contract and pay history support it. We document it so lenders count your full annual salary.
Do I have to come to your Vienna office?
No. Most Fairfax City buyers work with us by phone and secure upload. You are welcome to visit any weekday from 9 AM to 6 PM.