Springfield, Virginia
Mortgage Lender in Springfield, VA
- $0 down VA near Fort Belvoir
- Bank statement loans
- Hablamos español
Springfield buyers include soldiers and civilians at Fort Belvoir, analysts at NGA and contractors who run their own crews. SAI Mortgage is an independent mortgage lender in Springfield VA that shops many lenders with one application, in eight languages.
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
Springfield, from Kings Park to Newington, across ZIP codes 22150 to 22153
Open in Google Maps- $715K12-month median sale
- 9 daysMedian days on market
- $1,249,1252026 county loan limit
- $1.12Tax rate per $100
Bright MLS closed sales, 12 months through 8 August 2026. FHFA and HUD 2026 one-unit limit for Fairfax County. County FY2027 adopted rate.
Loan programs
Loans that fit how Springfield buys
A Kings Park rambler, a Newington townhouse and a condo near the Franconia-Springfield Metro each call for a different loan. One mortgage lender in Springfield VA can compare all of them.
VA loans
Fort Belvoir is about 10 minutes south. A VA loan Springfield service members use means $0 down and no monthly mortgage insurance.
About VA loansSelf-employed loans
Landscapers, HVAC techs and contractors along Backlick Road can qualify on 12 to 24 months of bank deposits.
About bank statement loansFHA loans
3.5 percent down and flexible credit for townhouses and condos in the $400Ks to $600Ks.
About FHA loansFirst-time buyer loans
Low down payment options plus a check on Virginia programs that can stack on top.
About first-time buyer loansRefinance and cash-out
Owners who bought in the last decade may have built real equity. Use it for a kitchen, a basement or debt payoff.
About refinancingCondo mortgages
Condos near the Metro and VRE need a building approval check. We run it before you offer.
About condo mortgagesWhy us
Built around base schedules and real income
A bank can offer only its own loans. As an independent mortgage lender in Springfield VA, we send one file to many lenders and bring every offer back in writing.
Closings timed to your orders
PCS dates at Belvoir do not move. We schedule around your report date and count BAH the way lenders allow.
Civilian or uniformed, we sort it out
DoD civilians and contractors cannot use VA loans. We show them the FHA and conventional options that fit instead.
Your deposits count
If you run your own business, your bank statements can carry the file when your tax return cannot.
Numbers in writing before you tour
Springfield homes go under contract fast. You get your price range on paper before the first showing.
The Springfield market
Quick sales, steady prices
Springfield closed 1,042 sales in the 12 months through early August 2026 at a $715,000 median, with homes taking about 9 days on market. The latest 30 days ran higher, at a $750,000 median.
In ZIP 22153, Zillow put the typical home near $765,377 in June, with homes going pending in about 5 days. That pace leaves little time to shop lenders after you find the house. A mortgage lender in Springfield VA should have you preapproved first.
Down payment on a $715,000 home
Program minimums before closing costs
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$21,450
- FHA, 3.5%$25,025
- Conventional, 20%, no PMI$143,000
Who we help
Which one sounds like you?
Most calls about Springfield home loans start with one of these four.
"I have orders to Belvoir in the spring and want to buy, not rent."
Start with your Certificate of Eligibility. We can often order it for you.
Getting your VA COE"I work at NGA as a civilian. Does VA apply to me?"
Not unless you served. FHA and conventional loans can still get you in with a small down payment.
FHA vs conventional"I own a landscaping company and write off everything."
Your deposits show what you actually earn. We qualify you on those.
Bank statement loans"We bought in West Springfield in 2019 and want to redo the kitchen."
A cash-out refinance can fund it. We compare it with keeping your current loan.
Cash-out refinance, explainedWhere we lend
Springfield neighborhoods we finance
Our Springfield files run from split-levels in Kings Park to townhouses near the Metro. Searching for a mortgage lender near me in 22150, 22151, 22152 or 22153? Our mortgage lender in Springfield VA team works by phone and secure upload.
- West Springfield
- Kings Park
- Rolling Valley
- Saratoga
- Newington
- Newington Forest
- Orange Hunt
- Cardinal Forest
- North Springfield
- Springfield Forest
- Loisdale
- Keene Mill
Buying on the Fort Belvoir side of the county? See our Lorton mortgage lender page.
Meeting in person
Springfield to our Vienna office
Most files close without an office visit. If you want to sit down with us, a mortgage lender in Springfield VA is one Beltway drive away. Times below are estimates outside rush hour.
- From Springfield Town CenterI-495 north to the Tysons exitsAbout 20 min
- From West SpringfieldOld Keene Mill Road to I-495 northAbout 25 min
- From Kings ParkBraddock Road to I-495 northAbout 20 min
- From Fort BelvoirFairfax County Parkway to I-495 northAbout 30 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 civilian buyers read before choosing a lender for Fort Belvoir home loans.
- Does BAH count as income?For Belvoir and Pentagon buyers
- VA loan limits in NoVAFairfax, Loudoun and Arlington
- VA vs conventionalWhich costs less for you
- Credit score to buy in VirginiaWhat lenders look for
- Mortgage preapprovalBe ready in a 9-day market
- Detailed payment calculatorAdd county taxes and insurance
Find out what you qualify for
Get your number before the next showing
Springfield homes spend about 9 days on market. Tell us how you get paid and we will send what you qualify for, free and in writing. Most preapprovals take one to two days.
Call (703) 752-1805 to reach a mortgage lender in Springfield 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
Springfield buyers ask us
What is the 2026 loan limit in Springfield, VA?
Springfield 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 buy near Fort Belvoir with $0 down?
Yes, if you qualify for a VA loan. A mortgage lender in Springfield VA like SAI can time your closing to your report date. Read how VA compares with conventional.
Can DoD civilians use a VA loan?
No. VA loans require qualifying military service. Civilians at Belvoir or NGA usually compare FHA, conventional 3 percent down and Virginia first-time buyer programs.
Can I qualify if I am self-employed?
Yes. Bank statement loans use 12 to 24 months of deposits instead of tax returns. You need a business that has run for about two years.
Does Springfield have its own property tax?
No. Springfield is unincorporated, so owners pay the Fairfax County rate of $1.12 per $100 for FY2027, with no town rate on top.
Do I have to come to your Vienna office?
No. Most Springfield buyers work with us by phone and secure document upload. You are welcome to visit any weekday from 9 AM to 6 PM.