Vienna, Virginia
Mortgage Lender in Vienna, VA
- Our home office
- High-balance to $1,249,125
- Farsi and Arabic spoken
Vienna buyers are usually moving up: from a Tysons condo to a house near Maple Avenue, or from an older rambler to a new build on the same lot. SAI Mortgage is a mortgage lender in Vienna VA with our office at Towers Crescent, a few minutes from the Town Green.
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
Vienna, from the Town Green to Wolf Trap and Dunn Loring, across ZIP codes 22180, 22181 and 22182
Open in Google Maps- $1.18MTypical Vienna home
- 8 daysTypical time to pending
- $1,249,1252026 county loan limit
- $1.31In-town tax per $100
Zillow Home Value Index through 31 July 2026. FHFA and HUD 2026 one-unit limit for Fairfax County. County $1.12 plus Town of Vienna $0.19, FY2027.
Loan programs
Loans that fit how Vienna buys
Here, the loan often decides the house. A mortgage lender in Vienna VA needs to know whether your price lands under the conforming limit or over it.
Jumbo loans
Above $1,249,125, a jumbo loan Vienna buyers use comes into play. In ZIP 22182, the typical home already sits above that line.
About jumbo loansRenovation and construction
Older ramblers on big lots are being rebuilt all over town. Construction loans fund the build and roll into one mortgage.
About construction loansRefinance and cash-out
Long-time owners hold large equity. Pull cash for a new wing or a child's tuition.
About refinancingPhysician loans
Inova Fairfax is about 15 minutes away. Physician loans ask for little down and treat student loans fairly.
About physician loansITIN and foreign national
New arrivals and buyers with income from abroad can still qualify. We explain every step in Farsi, Arabic or English.
About foreign national loansCondo mortgages
Buying a condo on the Tysons side of 22182? We check the building's approval before you offer.
About condo mortgagesWhy us
Your lender is already in town
A bank can lend only its own money. As an independent mortgage lender in Vienna VA, we send one file to many lenders, including jumbo and portfolio lenders, and put every offer in front of you.
Five minutes from your closing table
Our office is at Towers Crescent. Stop by with documents, or sign with us in person.
High-balance or jumbo, decided early
The typical Vienna home sits about $72,000 under the limit. We tell you which side your offer lands on.
Farsi and Arabic, start to finish
The loan officer who speaks with you in your language handles your file to closing.
Town tax built into the payment
Homes inside town limits pay 19 cents on top of the county rate. Your estimate includes it.
The Vienna market
High prices, fast offers, a limit close by
Zillow placed the typical Vienna home near $1,176,798 in July 2026, up 1.0 percent in a year, with homes going pending in about 8 days. In ZIP 22182, the typical value was higher still, near $1,260,088.
That puts many Vienna offers within a few thousand dollars of the $1,249,125 limit. Stay under it and you keep conforming terms. Go over and you need a jumbo. A mortgage lender in Vienna VA should run both before you bid.
Down payment on a $1,176,798 home
Common down payment levels before closing costs
- VA loan, full entitlement$0
- FHA, 3.5%$41,188
- Conventional high-balance, 10%$117,680
- Conventional, 20%, no PMI$235,360
Who we help
Which one sounds like you?
Most calls about Vienna home loans start with one of these four.
"We need a bigger house, but every one we like is right at the limit."
We price it both ways, high-balance and jumbo, so you know what an extra $50K really costs.
Conforming vs jumbo"Our lot is worth more than our 1960s house."
Tear down and rebuild with one construction loan that becomes your mortgage.
Construction loans"My family abroad wants to help with the down payment."
Gift funds can work with the right paper trail. We explain it in Farsi, Arabic or English.
Down payment basics"I am a new attending at Inova with big student loans."
Physician loans can count deferred debt more fairly and ask for little down.
Student loans and physician DTIWhere we lend
Vienna neighborhoods we finance
Our Vienna files run from Windover Heights colonials to new builds in Vienna Woods. Searching for a mortgage lender near me in 22180, 22181 or 22182? Your mortgage lender in Vienna VA is already here.
- Vienna Woods
- Windover Heights
- Westbriar
- Symphony Hill
- Wolf Trap
- Hunter Mill
- Clarks Crossing
- Dunn Loring
- Oakton
- Freedom Hill
- Maple Avenue
- Ayr Hill
Looking closer to Tysons? See our Tysons mortgage lender page.
Meeting in person
Around Vienna to our office
Our office sits at 8000 Towers Crescent Drive, near the Tysons Silver Line station. Dropping off documents with a mortgage lender in Vienna VA takes minutes. Times below are estimates outside rush hour.
- From the Town GreenVA-123 north to Towers CrescentAbout 10 min
- From Vienna MetroNutley Street to VA-123 northAbout 15 min
- From Wolf TrapVA-7 east to TysonsAbout 12 min
- From Dunn LoringGallows Road north to VA-7About 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 move-up buyers read before choosing a Vienna VA mortgage broker.
Find out what you qualify for
Know your side of the limit before you bid
Vienna homes go pending in about 8 days. Tell us how you get paid and we will send what you qualify for, free and in writing, with the town tax already in the payment.
Call (703) 752-1805 to reach a mortgage lender in Vienna 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
Vienna buyers ask us
Do I need a jumbo loan in Vienna, VA?
Maybe. The 2026 Fairfax County limit is $1,249,125. The typical Vienna home, near $1,176,798 in July 2026, sits just under it, but many homes in 22182 sit above it. We check your exact loan amount.
What is the property tax rate in the Town of Vienna?
Homes inside town limits pay the Fairfax County rate of $1.12 plus the town rate of $0.19 per $100, or $1.31 combined for FY2027. Homes with a Vienna address outside town limits pay the county rate only.
Can I visit your office?
Yes. We are at 8000 Towers Crescent Drive, Suite 210, Monday to Friday, 9 AM to 6 PM. As a mortgage lender in Vienna VA, we are happy to meet in person.
Do you speak Farsi or Arabic?
Yes. Our team works in eight languages, including Farsi, Arabic, Urdu and Spanish. The person who speaks with you handles your loan to closing.
Can I tear down and rebuild with one loan?
Often, yes. A construction-to-permanent loan funds the build and converts to your mortgage when the house is finished.
Is there a VA loan limit in Vienna?
Not with full entitlement. VA borrowers with full entitlement have no VA loan limit, though lenders still set their own maximums.