Falls Church, Virginia
Mortgage Lender in Falls Church, VA
- Renovation loans
- Hablamos español
- FHA from 3.5% down
Falls Church is full of 1950s ramblers and Cape Cods that need work, and full of first-time buyers ready to do it. SAI Mortgage is an independent mortgage lender in Falls Church VA that can fund the house and the renovation in one loan.
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 and Farsi
- NMLS179997
Where we lend
Falls Church addresses in Fairfax County, from Seven Corners to Pimmit Hills, ZIP codes 22041 to 22044
Open in Google Maps- $696KTypical Falls Church home
- 6 daysTypical time to pending
- $1,249,1252026 loan limit
- $1.12Tax rate per $100
Zillow Home Value Index for Falls Church, VA through 30 June 2026. FHFA and HUD 2026 one-unit limit. Fairfax County FY2027 adopted rate.
Loan programs
Loans that fit how Falls Church buys
The cheapest house on the block is often the one that needs a roof. A mortgage lender in Falls Church VA who knows renovation loans can turn that into your best offer.
Renovation loans
A 203k loan Falls Church buyers use rolls the price and the repairs into one FHA mortgage. Conventional renovation loans work too.
About renovation loansFHA loans
3.5 percent down with flexible credit, a common start for townhouses near Seven Corners and Bailey's Crossroads.
About FHA loansFirst-time buyer loans
A first time home buyer Falls Church file can start with a low down payment, plus Virginia programs that 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 mortgagesRefinance and cash-out
Already own? Pull equity for an addition instead of moving.
About refinancingSelf-employed loans
Contractors and shop owners along Route 7 can qualify on bank deposits.
About bank statement loansWhy us
We finance the house you can see, not just the one listed
A bank can offer only its own loans. As an independent mortgage lender in Falls Church VA, we send one file to many lenders, including those that specialize in renovation.
Renovation, planned before you offer
We help you get contractor bids early, so the repair budget is part of your preapproval.
Spanish and Farsi on the same team
The loan officer who speaks with you in your language stays on your file to closing.
New arrivals welcome
Afghan families who came on Special Immigrant Visas hold green cards and can use FHA or conventional loans. We walk you through it.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Falls Church market
Older homes, fast sales
Zillow placed the typical Falls Church home near $695,803 in June 2026, up 0.9 percent in a year, with homes going pending in about 6 days. West Falls Church ran higher, near $773,771 in August.
Many homes here date from the 1950s and 1960s, so price and condition travel together. A mortgage lender in Falls Church VA can show you what a fixer costs with the work included, not just the list price.
Down payment on a $695,803 home
Program minimums before closing costs
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$20,874
- FHA or FHA 203(k), 3.5%$24,353
- Conventional, 20%, no PMI$139,161
Who we help
Which one sounds like you?
Most calls about Falls Church home loans start with one of these four.
"The only house we can afford in Pimmit Hills needs a new kitchen and roof."
A 203(k) loan can cover both. We help you size the repair budget before you offer.
Renovation loans"Queremos dejar de rentar cerca de Seven Corners."
Compare your rent with 3.5 percent down. Call and ask for Spanish.
FHA credit score in Virginia"We came from Kabul on an SIV three years ago."
Your green card and work history can qualify you for a regular mortgage. We explain each document.
First-time buyer loans"We bought in 2012 and want an addition, not a new house."
A cash-out refinance can fund it. We compare it with a renovation loan.
Cash-out refinance, explainedWhere we lend
Falls Church neighborhoods we finance
Our files run from Pimmit Hills ramblers to condos near the Mosaic District. Searching for a mortgage lender near me in 22041, 22042, 22043 or 22044? Our mortgage lender in Falls Church VA team works by phone and secure upload, and we lend in the independent City of Falls Church (22046) too.
- Pimmit Hills
- Idylwood
- West Falls Church
- Seven Corners
- Bailey's Crossroads
- Jefferson Village
- Merrifield
- Mosaic District
- Poplar Heights
- Broyhill Park
Closer to Tysons? See our Tysons mortgage lender page.
Meeting in person
Falls Church to our Vienna office
Most files close without an office visit. If you want to sit down with a mortgage lender in Falls Church VA, we are a short trip up Route 7. Times below are estimates outside rush hour.
- From Seven CornersVA-7 west to TysonsAbout 15 min
- From MerrifieldGallows Road north to VA-7About 12 min
- From Pimmit HillsVA-7 west to Towers CrescentAbout 10 min
- From Bailey's CrossroadsVA-7 west through Seven CornersAbout 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 renovators and first-time buyers read before choosing a lender.
Find out what you qualify for
Price the house and the repairs together
Falls Church homes go pending in about 6 days. Tell us how you get paid and what the house needs, and we will send what you qualify for, free and in writing.
Call (703) 752-1805 to reach a mortgage lender in Falls Church 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
Falls Church buyers ask us
What is the 2026 loan limit in Falls Church, VA?
The 2026 one-unit limit is $1,249,125 for conforming and FHA loans in both Fairfax County and the City of Falls Church. VA borrowers with full entitlement have no VA loan limit.
What is a 203(k) loan?
An FHA 203(k) combines the purchase price and eligible repairs into one mortgage, with as little as 3.5 percent down. A mortgage lender in Falls Church VA like SAI can compare it with conventional renovation loans.
Is Falls Church in Fairfax County?
Most Falls Church mailing addresses (22041 to 22044) are unincorporated Fairfax County and pay the county rate of $1.12 per $100. The City of Falls Church (22046) is a separate independent city with its own rate.
Can SIV holders get a mortgage?
Yes. Special Immigrant Visa holders are permanent residents and can use FHA or conventional loans with the usual income and credit documents.
Do you speak Spanish and Farsi?
Yes. Our team works in eight languages, including Spanish, Farsi, Arabic and Urdu. The person who speaks with you handles your loan to closing.
Do I have to come to your Vienna office?
No. Most Falls Church buyers work with us by phone and secure upload. You are welcome to visit any weekday from 9 AM to 6 PM.