Lorton, Virginia
Mortgage Lender in Lorton, VA
- $0 down VA near Fort Belvoir
- New construction loans
- Hablamos español
Lorton sits just south of Fort Belvoir, and a large share of buyers here wear a uniform or work on post. Many also buy new: townhouses and single-family homes at Laurel Hill and along the Route 1 corridor. SAI Mortgage is an independent mortgage lender in Lorton VA that handles both.
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
- NMLS179997
Where we lend
Lorton, from Laurel Hill and the VRE station to Mason Neck and Gunston, ZIP code 22079
Open in Google Maps- $664KTypical Lorton home
- 7 daysTypical time to pending
- $1,249,1252026 county loan limit
- $1.12Tax rate per $100
Zillow Home Value Index through 30 June 2026. FHFA and HUD 2026 one-unit limit for Fairfax County. County FY2027 adopted rate.
Loan programs
Loans that fit how Lorton buys
A PCS move, a new build and an older rambler near Mason Neck each need a different loan. One mortgage lender in Lorton VA can line them up side by side.
VA loans
A VA loan Lorton service members use needs $0 down with full entitlement, and no monthly mortgage insurance.
About VA loansNew construction
A new construction loan Lorton buyers compare should include an outside lender, not just the builder's. We price both.
About construction loansRenovation loans
Older homes near Mason Neck and Gunston often need updates. Buy and fix with one loan.
About renovation loansFHA loans
3.5 percent down with flexible credit for townhouses near the VRE.
About FHA loansFirst-time buyer loans
Low down payment options plus Virginia programs that can stack on top.
About first-time buyer loansRefinance and cash-out
Bought at Laurel Hill years ago? Use equity for a basement or payoff.
About refinancingWhy us
Orders, builders and deadlines, handled
A builder's lender works for the builder. As an independent mortgage lender in Lorton VA, we send one file to many lenders and bring every offer back in writing, so you can compare.
Closings timed to your orders
Report dates at Belvoir do not move. We schedule around them and count BAH the way lenders allow.
Builder incentives, checked
Builder credits can be real savings, or a higher price in disguise. We show you the full math.
VA on new construction
VA loans can finance new builds when the builder and home meet VA rules. We check early.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Lorton market
Fast offers south of Belvoir
Zillow placed the typical Lorton home near $664,082 in June 2026, up 0.5 percent in a year, with homes going pending in about 7 days. About half of sales closed above list, at a $626,667 median.
Every price band here sits far below the $1,249,125 limit, so the down payment is the real question. A mortgage lender in Lorton VA should show you each option before you tour.
Down payment on a $664,082 home
Program minimums before closing costs
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$19,922
- FHA, 3.5%$23,243
- Conventional, 20%, no PMI$132,816
Who we help
Which one sounds like you?
Most calls about Lorton home loans start with one of these four.
"I PCS to Belvoir in the spring and want to buy near post."
Start with your Certificate of Eligibility. We can often order it for you.
Getting your VA COE"The builder is offering closing costs if we use their lender."
We run the builder offer against outside lenders so you see the real difference.
Closing timeline"We found an older house near Mason Neck that needs work."
A renovation loan funds the purchase and repairs together.
Renovation loans"Does BAH count toward my loan?"
Often, yes. Lenders can count it as income with the right documents.
BAH as incomeWhere we lend
Lorton neighborhoods we finance
Our Lorton files run from townhouses at Laurel Hill to homes on larger lots near Mason Neck. Searching for a mortgage lender near me in 22079? Our mortgage lender in Lorton VA team works by phone and secure upload.
- Laurel Hill
- Lorton Valley
- Lorton Station
- South County
- Gunston
- Mason Neck
- Hallowing Point
- Pohick
- Route 1 corridor
- Occoquan Regional Park area
Closer to the Springfield interchange? See our Springfield mortgage lender page.
Meeting in person
Lorton to our Vienna office
Most files close without an office visit. If you want to sit down with a mortgage lender in Lorton VA, we are straight up I-95 and the Beltway. Times below are estimates outside rush hour.
- From Laurel HillI-95 north to I-495 northAbout 30 min
- From Lorton VRELorton Road to I-95 northAbout 30 min
- From Fort BelvoirFairfax County Parkway to I-495 northAbout 30 min
- From Mason NeckUS-1 to I-95 northAbout 40 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 military and new-build buyers read before choosing a lender.
Find out what you qualify for
Get your number before your report date
Lorton homes go pending in about 7 days. Tell us your orders or 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 Lorton 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
Lorton buyers ask us
What is the 2026 loan limit in Lorton, VA?
Lorton is in Fairfax County, where 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 use a VA loan on a new-construction home?
Yes, when the builder and home meet VA requirements. A mortgage lender in Lorton VA like SAI checks this before you sign a contract.
Should I use the builder's preferred lender?
Only if it wins. Builder credits can be valuable, but we compare the full cost against outside lenders so you can decide.
Do disabled veterans pay property tax in Fairfax County?
Virginia exempts a qualifying 100 percent service-connected disabled veteran's primary home from real estate tax. Confirm eligibility with the county.
Does Lorton have its own property tax?
No. Lorton is unincorporated, so owners pay the Fairfax County rate of $1.12 per $100 for FY2027.
Do I have to come to your Vienna office?
No. Most Lorton buyers work with us by phone and secure upload. You are welcome to visit any weekday from 9 AM to 6 PM.