Great Falls, Virginia
Mortgage Lender in Great Falls, VA
- Jumbo and super-jumbo
- Foreign national buyers
- Construction on acreage
In Great Falls, even the entry-level home costs more than a million dollars, so nearly every purchase is a jumbo decision. SAI Mortgage is an independent mortgage lender in Great Falls VA that compares jumbo, portfolio and foreign national lenders on one file.
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 Farsi and Hindi
- NMLS179997
Where we lend
Great Falls, from the Village Centre and Colvin Run to River Bend and the Potomac, ZIP code 22066
Open in Google Maps- $1.73MTypical Great Falls home
- $1.23MTypical starter home
- $1,249,1252026 conforming limit
- 27.8%Down to stay conforming
Zillow Home Value Index through 30 June 2026. Zillow 2026 starter-home study (bottom third of values). FHFA 2026 one-unit limit. Down payment share calculated on the typical value.
Loan programs
Loans that fit how Great Falls buys
Large lots, custom builds and buyers with global income. A mortgage lender in Great Falls VA here needs lenders that underwrite all three.
Jumbo loans
A jumbo loan Great Falls buyers use covers anything above $1,249,125, including super-jumbo amounts. We compare portfolio and investor jumbos.
About jumbo loansForeign national loans
A foreign national mortgage Virginia lenders offer can qualify you on overseas income and assets, no US credit required at some lenders.
About foreign national loansConstruction loans
Building on two acres? One construction-to-permanent loan funds the house and becomes your mortgage.
About construction loansRefinance and cash-out
Deep equity can fund a pool, a guest house or a second property.
About refinancingPhysician loans
Some physician programs reach jumbo amounts with less down than a standard jumbo.
About physician loansReverse mortgages
Owners 62 and older can turn equity into income, up to program limits.
About reverse mortgagesWhy us
Big loans need more than one lender's opinion
A private bank offers one jumbo program on its terms. As an independent mortgage lender in Great Falls VA, we send your file to many jumbo and portfolio lenders and show you every structure in writing.
Assets can be income
Some lenders qualify you on investment and cash holdings when your pay is lumpy or paid abroad.
Overseas buyers welcome
No US credit yet? Some foreign national programs use your home-country history and bank references.
Acreage and wells understood
Large lots, septic and well systems need the right appraiser and lender. We plan for it.
Farsi, Arabic, Hindi and Urdu
The loan officer who speaks with you in your language stays on your file to closing.
The Great Falls market
Even starter homes cross a million
Zillow placed the typical Great Falls home near $1,730,377 in June 2026, with a median list price near $2,155,667. In Zillow's 2026 starter-home study, even the bottom third of Great Falls homes had a median value of $1,233,946, the only Virginia community over a million.
That starter value sits just under the $1,249,125 conforming limit, while the typical home sits far above it. A mortgage lender in Great Falls VA should show you exactly where your purchase falls.
Jumbo or conforming in Great Falls
How price and down payment set the loan type
- Typical home, 20% down, jumbo$346,075
- Typical home, 27.8% down, at the limit$481,252
- Starter home, 20% down, conforming$246,789
- Typical home, 10% down, jumbo$173,038
Who we help
Which one sounds like you?
Most calls about Great Falls home loans start with one of these four.
"We live in Dubai and want a home near family in Great Falls."
Foreign national loans can use your overseas income and assets. We explain each document in Arabic, Urdu or English.
Foreign national mortgages"We bought two acres and want to build."
A construction-to-permanent loan covers the build and the mortgage in one closing.
Construction loans"Most of our wealth is invested, not paid as salary."
Asset-based jumbo programs can qualify you on what you hold.
Jumbo loans"Is 20 percent down enough, or should we put more?"
We price it both ways so you can see what the extra cash really saves.
Conforming vs jumboWhere we lend
Great Falls neighborhoods we finance
Our Great Falls files run from homes near the Village Centre to riverfront estates off Georgetown Pike. Searching for a mortgage lender near me in 22066? Our mortgage lender in Great Falls VA team works by phone, video and secure upload, across time zones when needed.
- Great Falls Village
- Colvin Run
- Springvale
- River Bend
- Forestville
- Falcon Ridge
- Seneca Road
- Walker Road
- Georgetown Pike
Looking closer to Tysons? See our McLean mortgage lender page.
Meeting in person
Great Falls to our Vienna office
Most files close without an office visit. If you want to sit down with a mortgage lender in Great Falls VA, we are about 20 minutes away. Times below are estimates outside rush hour.
- From Great Falls VillageGeorgetown Pike to VA-7 eastAbout 20 min
- From Colvin RunVA-7 east to TysonsAbout 15 min
- From River BendWalker Road to VA-7 eastAbout 25 min
- From Seneca RoadVA-7 east to TysonsAbout 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 jumbo and overseas buyers read before choosing a lender.
Find out what you qualify for
See every jumbo structure before you bid
Tell us your cash, your assets and how you get paid, in the US or abroad. We will send your jumbo, conforming and foreign national options, free and in writing.
Call (703) 752-1805 to reach a mortgage lender in Great Falls 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
Great Falls buyers ask us
Do I need a jumbo loan in Great Falls?
Usually. The typical home is near $1,730,377, well above the $1,249,125 limit. A mortgage lender in Great Falls VA like SAI can show when a larger down payment keeps you conforming instead.
Can I buy in Great Falls without US credit?
Some foreign national programs accept overseas credit references, income and assets. Down payments are usually larger.
How much do I need down for a jumbo loan?
Often 10 to 20 percent for US borrowers, and more for foreign nationals or very large loans. It depends on the lender and your profile.
Can I finance land and construction together?
Yes. A construction-to-permanent loan can fund the lot, the build and the final mortgage in one loan.
Does Great Falls have a town tax?
No. Great Falls is unincorporated Fairfax County, so owners pay the county rate of $1.12 per $100 for FY2027.
Can we work with you from overseas?
Yes. We work by phone, video and secure upload across time zones, and we coordinate remote or mail-away signing where lenders allow it.