McLean, Virginia
Mortgage Lender in McLean, VA
- Jumbo loans
- High-balance to $1,249,125
- Farsi and Arabic spoken
In McLean, the typical home costs more than the conforming limit, so the loan structure matters as much as the price. SAI Mortgage is an independent mortgage lender in McLean VA that compares jumbo and high-balance options from many lenders, ten minutes from Chain Bridge Road.
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 Arabic
- NMLS179997
Where we lend
McLean, from Langley and Chesterbrook to Salona Village and the Tysons edge, ZIP codes 22101 and 22102
Open in Google Maps- $1.50MTypical McLean home
- 12 daysTypical time to pending
- $1,249,1252026 conforming limit
- 16.7%Down to stay conforming
Zillow Home Value Index through 30 June 2026. FHFA 2026 one-unit limit. Down payment share is calculated on the typical value.
Loan programs
Loans that fit how McLean buys
Most McLean files are a choice between a jumbo loan and a bigger down payment. A mortgage lender in McLean VA should price both before you bid.
Jumbo loans
A jumbo loan McLean VA buyers use covers anything above $1,249,125. We compare portfolio and investor jumbos side by side.
About jumbo loansConstruction loans
Tear-downs are common here. One construction-to-permanent loan funds the build and becomes your mortgage.
About construction loansRefinance and cash-out
Long-time owners hold deep equity. Pull cash for a renovation or a second property.
About refinancingForeign national loans
Assets or income abroad? We match you with lenders that accept them.
About foreign national loansPhysician loans
Doctors at nearby Inova campuses can use physician programs, some of which reach jumbo amounts.
About physician loansReverse mortgages
Owners 62 and older can turn equity into income with no monthly mortgage payment.
About reverse mortgagesWhy us
The right structure saves more than the right rate
A bank has one jumbo program. As an independent mortgage lender in McLean VA, we send your file to many jumbo and portfolio lenders and show you every structure in writing.
We show you the conforming line
Sometimes an extra down payment keeps you under $1,249,125. We show what that saves before you decide.
Asset-based options
Large portfolios but lumpy income? Some lenders qualify you on assets instead of pay stubs.
Farsi and Arabic, start to finish
The loan officer who speaks with you in your language stays on your file to closing.
Ten minutes from your door
Our office is at Towers Crescent, just off Chain Bridge Road. Meet us any weekday.
The McLean market
The limit sits below the typical home
Zillow placed the typical McLean home near $1,499,172 in June 2026, up 0.6 percent in a year, with homes going pending in about 12 days. The median sale price was $1,457,917.
At that price, 10 percent down leaves a jumbo loan. Put down about $250,047, or 16.7 percent, and the loan drops to the $1,249,125 limit. A mortgage lender in McLean VA should run both paths, because the answer depends on your cash and your plans.
Jumbo or conforming on a $1,499,172 home
How the down payment changes the loan type
- 10% down, jumbo loan$149,917
- 16.7% down, loan at the limit$250,047
- 20% down, high-balance conforming$299,834
- VA loan, full entitlement$0
Who we help
Which one sounds like you?
Most calls about McLean home loans start with one of these four.
"We can put 10 percent down, or stretch to 20. Which is smarter?"
We price the jumbo and the high-balance loan side by side so you can see the real difference.
Conforming vs jumbo"We bought a 1958 rambler for the lot. Now we want to build."
A construction-to-permanent loan funds the new house and converts to your mortgage.
Construction loans"Most of our wealth is in investments, not salary."
Asset-based jumbo programs can qualify you on what you hold.
Jumbo loans"We have owned in Chesterbrook for 25 years."
A cash-out refinance or a reverse mortgage can free equity. We compare both.
Reverse mortgagesWhere we lend
McLean neighborhoods we finance
Our McLean files run from Salona Village colonials to new builds in Chesterbrook Woods. Searching for a mortgage lender near me in 22101 or 22102? Your mortgage lender in McLean VA is ten minutes away.
- Langley Oaks
- West Langley
- Chesterbrook Estates
- Chesterbrook Woods
- McLean Manor
- McLean Hamlet
- Salona Village
- Kent Gardens
- Walter Heights
- Franklin Park
- West McLean
- Potomac Hills
Looking farther west? See our Great Falls mortgage lender page.
Meeting in person
McLean to our Vienna office
Most files close without an office visit, but a mortgage lender in McLean VA this close is easy to see in person. Times below are estimates outside rush hour.
- From downtown McLeanVA-123 south to TysonsAbout 10 min
- From LangleyGeorgetown Pike to VA-123 southAbout 15 min
- From ChesterbrookKirby Road to VA-123 southAbout 12 min
- From Salona VillageOld Dominion Drive to VA-123About 10 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 broker McLean families trust.
Find out what you qualify for
See both loan structures before you bid
McLean homes go pending in about 12 days. Tell us your cash and how you get paid, and we will send your jumbo and high-balance options, free and in writing.
Call (703) 752-1805 to reach a mortgage lender in McLean 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
McLean buyers ask us
Do I need a jumbo loan in McLean?
Often, but not always. The typical McLean home is near $1,499,172, above the $1,249,125 limit. With about 16.7 percent down, the loan can stay conforming. A mortgage lender in McLean VA like SAI shows you both options.
How much do I need down for a jumbo loan?
It varies by lender and loan size, commonly 10 to 20 percent. Stronger credit and reserves can lower it.
Does McLean have a town tax?
No. McLean is unincorporated, so owners pay the Fairfax County rate of $1.12 per $100 for FY2027, plus any special district levy on the assessment notice.
Can I get a construction loan for a tear-down?
Yes. A construction-to-permanent loan funds the build and converts to a regular mortgage when the house is done.
Do you speak Farsi or Arabic?
Yes. Our team works in eight languages, including Farsi and Arabic. The person who speaks with you handles your loan to closing.
Where is your office?
8000 Towers Crescent Drive, Suite 210, about ten minutes from downtown McLean. We are open Monday to Friday, 9 AM to 6 PM.