Reston, Virginia
Mortgage Lender in Reston, VA
- Physician loans
- Condo approvals checked
- On the Silver Line
Reston buyers include doctors and nurses at Reston Hospital Center, tech workers near the Metro and first-time buyers eyeing a Town Center condo. SAI Mortgage is an independent mortgage lender in Reston VA that shops one application across many lenders.
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
Reston, from Lake Anne and North Point to Hunters Woods and South Lakes, ZIP codes 20190, 20191 and 20194
Open in Google Maps- $639KTypical Reston home
- 8 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 Reston buys
Reston mixes towers, townhouse clusters and single-family homes around four lakes. A mortgage lender in Reston VA has to read the building and the association, not just your credit.
Physician loans
A physician mortgage Reston doctors use can ask for little down, skip PMI and treat student loans fairly.
About physician loansCondo mortgages
A condo loan Reston buyers need starts with the building. We check approval before you offer.
About condo mortgagesFirst-time buyer loans
Low down payment options plus a check on Virginia programs that can stack on top.
About first-time buyer loansFHA loans
3.5 percent down with flexible credit, if the condo or cluster is FHA approved.
About FHA loansDSCR rental loans
Buying a unit near Reston Station to rent? DSCR loans qualify on the rent.
About DSCR loansRefinance and cash-out
Owners near the lakes may have built real equity. Use it for an update or payoff.
About refinancingWhy us
We check the building before the buyer
A bank can offer only its own loans. As an independent mortgage lender in Reston VA, we send one file to many lenders, including those that approve condos others turn down.
Condo approval, checked on day one
Some Reston towers are not approved for every loan type. We find out before you fall in love with a unit.
Association dues in your numbers
Every Reston home pays a Reston Association assessment, and many add a cluster or condo fee. Lenders count both.
Residency and new contracts
Starting at Reston Hospital? Many lenders close on a signed contract before your first paycheck.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Reston market
Condos, clusters and fast offers
Zillow placed the typical Reston home near $639,126 in June 2026, down 0.9 percent in a year, with homes going pending in about 8 days and a $635,000 median sale price. Nearly half of sales closed above list.
Around Reston Town Center, Zillow's neighborhood index sat near $442,524, a condo-heavy market. For condo buyers, the building's approval and fees can matter more than the rate. A mortgage lender in Reston VA should review both before you write an offer.
Down payment on a $639,126 home
Program minimums before closing costs
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$19,174
- FHA, 3.5%$22,369
- Conventional, 20%, no PMI$127,825
Who we help
Which one sounds like you?
Most calls about Reston home loans start with one of these four.
"I start at Reston Hospital in August with $250K in student loans."
Physician loans can count deferred loans more fairly and close on your contract.
Student loans and physician DTI"I found a Town Center condo, but the agent said FHA will not work."
Some buildings are not FHA approved. We check conventional and portfolio options that may be.
Condo mortgages"We rent near Reston Station and want to stop."
Compare your rent with a 3 percent down payment on a townhouse.
Down payment basics"I want a unit near the Metro to rent out."
DSCR loans qualify on the rent the unit earns, not your salary.
DSCR loansWhere we lend
Reston neighborhoods we finance
Our Reston files run from Lake Anne condos to single-family homes near South Lakes. Searching for a mortgage lender near me in 20190, 20191 or 20194? Our mortgage lender in Reston VA team works by phone and secure upload.
- Reston Town Center
- Lake Anne
- Hunters Woods
- South Lakes
- North Point
- Tall Oaks
- Reston Station
- Lake Thoreau
- Lake Audubon
- Sunset Hills
- Hidden Creek
Closer to Dulles? See our Herndon mortgage lender page.
Meeting in person
Reston to our Vienna office
Most files close without an office visit. If you want to sit down with a mortgage lender in Reston VA, take the Toll Road or the Silver Line. Times below are estimates outside rush hour.
- From Reston Town CenterDulles Toll Road east to TysonsAbout 15 min
- From Lake AnneWiehle Avenue to the Toll Road eastAbout 15 min
- From Hunters WoodsReston Parkway to the Toll Road eastAbout 20 min
- From Wiehle-Reston EastSilver Line east to Tysons stationAbout 15 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 doctors and condo buyers read before choosing a lender.
Find out what you qualify for
Check the building and your budget together
Reston homes go pending in about 8 days. Send us the listing and how you get paid, and we will confirm the loan options and what you qualify for, free and in writing.
Call (703) 752-1805 to reach a mortgage lender in Reston 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
Reston buyers ask us
What is the 2026 loan limit in Reston, VA?
Reston 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.
Why do some Reston condos not qualify for FHA?
FHA only insures units in approved buildings. If a tower is not on the list, a mortgage lender in Reston VA like SAI can check conventional or portfolio loans instead.
Do Reston Association dues affect my mortgage?
Yes. Lenders count the Reston Association assessment and any cluster or condo fee in your monthly debts, so they reduce how much you can borrow.
Can I buy before I start at Reston Hospital?
Often, yes. Many physician programs accept a signed employment contract, usually with a start date within 90 days.
Does Reston have its own property tax?
Reston is unincorporated, so owners pay the Fairfax County rate of $1.12 per $100 for FY2027. Reston homes also pay a small special district levy that funds the Reston Community Center.
Do I have to come to your Vienna office?
No. Most Reston buyers work with us by phone and secure upload. You are welcome to visit any weekday from 9 AM to 6 PM.