Herndon, Virginia
Mortgage Lender in Herndon, VA
- H-1B and green card buyers
- Hindi, Urdu, Punjabi, Bangla
- Foreign income considered
Herndon buyers include software engineers on work visas, families who just got their green cards and investors earning abroad. SAI Mortgage is an independent mortgage lender in Herndon VA that explains every document in your language and shops many lenders at once.
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
Herndon, from downtown and the W&OD Trail to Franklin Farm and Floris, ZIP codes 20170 and 20171
Open in Google Maps- $745KTypical Herndon home
- 8 daysTypical time to pending
- $1,249,1252026 loan limit
- $1.39In-town tax per $100
Zillow Home Value Index through 30 June 2026. FHFA and HUD 2026 one-unit limit. Fairfax County $1.12 plus Town of Herndon $0.27, FY2027.
Loan programs
Loans that fit how Herndon buys
Visa type, income country and how long you have been in the US all change which lender says yes. A mortgage lender in Herndon VA checks those first, then shops.
Conventional for visa holders
An H-1B mortgage Herndon engineers get is usually conventional. With valid work authorization, many lenders treat you much like a citizen.
About first-time buyer loansForeign national loans
Earn abroad or live abroad? An NRI home loan Virginia investors use can qualify on foreign income and assets.
About foreign national loansSelf-employed loans
Independent IT contractors paid on 1099s can qualify on bank deposits instead of tax returns.
About bank statement loansDSCR rental loans
Buying a Herndon townhouse to rent near the Metro? DSCR loans qualify on the rent.
About DSCR loansJumbo loans
Larger homes in Franklin Farm and Floris can pass $1,249,125. We compare jumbo options.
About jumbo loansCondo mortgages
Condos near the Herndon Metro need a building approval check. We run it before you offer.
About condo mortgagesWhy us
Your visa is a detail, not a dead end
A bank has one policy on non-citizen borrowers. As an independent mortgage lender in Herndon VA, we send your file to lenders whose rules fit your visa and income.
We start with your visa and EAD
H-1B, L-1, green card or foreign national. The right lender depends on it, so we check it on the first call.
Family gifts from India or Pakistan
Parents often help with the down payment. We show you the wire and letter trail lenders need.
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
New to US credit? We look at what you have first and pull credit only when you move forward.
The Herndon market
Competitive offers, a town tax on top
Zillow placed the typical Herndon home near $745,394 in June 2026, down 0.6 percent in a year, with homes going pending in about 8 days. Almost half of homes sold above list price, and the median sale price was $733,333.
Homes inside town limits pay Herndon's 27 cents on top of the county's $1.12, for $1.39 per $100. Addresses in Franklin Farm and Floris sit outside town limits and pay the county rate only. A mortgage lender in Herndon VA should know which one you are buying.
Down payment on a $745,394 home
Common down payment levels before closing costs
- Conventional, first-time buyer, 3%$22,362
- Conventional, 5%$37,270
- Conventional, 10%$74,539
- Conventional, 20%, no PMI$149,079
Who we help
Which one sounds like you?
Most calls about Herndon home loans start with one of these four.
"I am on an H-1B at a Dulles tech company. Can I buy?"
Usually, yes. We check your visa, EAD and work history, then match you to lenders that accept them.
Getting a mortgage"My parents in Hyderabad want to send the down payment."
Gift funds from abroad can work. We explain the wire records and gift letter in Hindi or English.
Down payment basics"I live in Dubai and want a rental near the Herndon Metro."
Foreign national and DSCR loans can qualify on the property's rent and your overseas assets.
DSCR loans"I am a 1099 contractor and my return shows half my income."
Bank statement loans count your deposits instead.
Bank statement loansWhere we lend
Herndon neighborhoods we finance
Our files run from townhouses near the Metro to single-family homes in Franklin Farm. Searching for a mortgage lender near me in 20170 or 20171? Our mortgage lender in Herndon VA team works by phone and secure upload.
- Downtown Herndon
- Franklin Farm
- Fox Mill Estates
- McNair Farms
- Floris
- Oak Hill
- Worldgate
- Chandon
- Coppermine
- Herndon Metro area
Closer to Reston Town Center? See our Reston mortgage lender page.
Meeting in person
Herndon to our Vienna office
Most files close without an office visit. If you want to sit down with a mortgage lender in Herndon VA, we are straight down the Dulles Toll Road. Times below are estimates outside rush hour.
- From downtown HerndonDulles Toll Road east to TysonsAbout 20 min
- From Franklin FarmFairfax County Parkway to the Toll RoadAbout 25 min
- From FlorisWest Ox Road to the Toll RoadAbout 25 min
- From Herndon MetroSilver Line east to Tysons stationAbout 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 visa holders and new residents read before choosing a lender.
Find out what you qualify for
Know what your visa can buy
Herndon homes go pending in about 8 days. Tell us your visa type and how you get paid and we will send what you qualify for, free and in writing.
Call (703) 752-1805 to reach a mortgage lender in Herndon 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
Herndon buyers ask us
Can I get a mortgage on an H-1B visa?
Often, yes. Many lenders offer conventional loans to H-1B holders with valid work authorization and a steady job history. A mortgage lender in Herndon VA like SAI checks your visa first, then matches lenders.
Can H-1B holders use an FHA loan?
Not anymore. HUD ended FHA eligibility for non-permanent residents in 2025. Conventional and foreign national loans are the usual routes, and green card holders can still use FHA.
What is the property tax rate in the Town of Herndon?
Homes inside town limits pay the Fairfax County rate of $1.12 plus the town rate of $0.27 per $100, or $1.39 combined for FY2027, on a single county bill.
Can I use money from family abroad for the down payment?
Yes, with a gift letter and a clear record of the transfer from the family member's account to yours. We tell you exactly what to keep.
Do you speak Hindi, Urdu, Punjabi or Bangla?
Yes. Our team works in eight languages. The person who speaks with you handles your loan to closing.
What is the 2026 loan limit in Herndon?
The 2026 one-unit limit is $1,249,125 for conforming and FHA loans. Loans above it are jumbo.