Spotsylvania County and Fredericksburg, Virginia
Mortgage Broker in Spotsylvania & Fredericksburg
- USDA $0 down in rural areas
- VA near Quantico
- VRE commuter homes
Spotsylvania and Fredericksburg offer more house for the money than anywhere closer to DC, and parts of the county still qualify for USDA's $0-down loans. SAI Mortgage is an independent mortgage broker in Fredericksburg VA for rural buyers, Quantico families and I-95 commuters.
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
The City of Fredericksburg and all of Spotsylvania County, from Cosner's Corner and Lee's Hill to Thornburg and Lake Anna
Open in Google Maps- $464KTypical Spotsylvania home
- $487KTypical Fredericksburg-area home
- $0Down with USDA or VA
- $1,249,1252026 loan limit
Zillow Home Value Index through 30 June 2026. FHFA and HUD 2026 one-unit limit. USDA and VA down payment for eligible borrowers.
Where we lend
Fredericksburg and Spotsylvania areas we finance
From downtown Fredericksburg to rural Spotsylvania near Lake Anna, our mortgage broker in Fredericksburg VA team works by phone and secure upload.
- Downtown Fredericksburg
- Mayfield
- Hillcrest
- Braehead Woods
- Lee's Hill
- Salem Fields
- Cosner's Corner
- Spotsylvania Courthouse
- Harrison Crossing
- Thornburg
- Partlow
- Lake Anna
Loan programs
Loans that fit how this market buys
Rural lots, VRE commutes and PCS moves shape most files here. Fredericksburg home loans have to fit all three.
USDA loans
A USDA loan Spotsylvania buyers use can mean $0 down in eligible rural areas, within income limits.
About USDA loansVA loans
A VA loan Fredericksburg families use means $0 down with full entitlement, 25 minutes from Quantico.
About VA loansFHA loans
3.5 percent down with flexible credit for starter homes near the VRE.
About FHA loansFirst-time buyer loans
Virginia Housing programs can stack on a low down payment loan.
About first-time buyer loansNew construction
New sections along Route 1 and Route 3 still sell new homes. We compare builder lenders.
About construction loansRefinance and cash-out
Veterans can often refinance with VA streamline or cash-out options.
About refinancingWhy us
Two $0-down paths, checked first
A bank may not offer USDA at all. As an independent mortgage broker in Fredericksburg VA, we check USDA and VA eligibility first, then shop FHA and conventional, and bring every offer back in writing.
USDA eligibility, by address
USDA maps decide which streets qualify. We check your exact address before you fall for a house.
Orders and commutes, planned
Quantico report dates and VRE schedules both matter. We plan your closing around them.
Wells and septic understood
Rural lots need the right inspections. We build them into your timeline.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Fredericksburg market
More house for the money
Zillow placed the typical Spotsylvania County home near $463,508 in June 2026, with a $451,467 median sale price and homes going pending in about 10 days. The wider Fredericksburg area ran near $487,339, with rent around $2,079.
Inside the city, neighborhoods range from Mayfield near $297,509 to Braehead Woods near $471,688. A mortgage broker in Fredericksburg VA should check USDA, VA and FHA side by side before you tour.
Down payment on a $463,508 home
Program minimums before closing costs
- USDA loan, eligible area$0
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$13,905
- FHA, 3.5%$16,223
Taxes and closing costs
What changes by address
City, county and USDA maps all affect your loan and payment.
City of Fredericksburg
An independent city with its own real estate rate, separate from Spotsylvania's.
Spotsylvania County
Most Spotsylvania addresses pay the county rate. We confirm yours.
Rural eligibility
Many rural Spotsylvania addresses may qualify for USDA. Suburban areas near I-95 often do not.
We confirm the tax rate and USDA eligibility for your exact address. Rates change each budget year.
Who we help
Which one sounds like you?
Most calls about Fredericksburg home loans start with one of these four.
"We want land near Lake Anna but have little saved."
USDA may allow $0 down if the address and your income qualify.
USDA loans"I have orders to Quantico and want more house than Stafford offers."
VA loans can mean $0 down. We time your closing to your report date.
Getting your VA COE"I ride the VRE to DC and want my first home."
FHA and Virginia Housing programs can start you at a low down payment.
Virginia first-time buyer programs"Does BAH count toward my loan?"
Often, yes. Lenders can count it as income with the right documents.
BAH as incomeMeeting in person
Fredericksburg to our Vienna office
Most files here close by phone and secure upload. If you want to sit down with your mortgage broker in Fredericksburg VA, we are straight up I-95. Times below are estimates outside rush hour.
- From Downtown FredericksburgI-95 north to I-495 northAbout 60 min
- From Cosner's CornerI-95 north to I-495 northAbout 65 min
- From Lee's HillI-95 north to I-495 northAbout 65 min
- From Lake AnnaVA-208 to I-95 northAbout 90 min
Before you apply
Worth a read first
Guides local buyers read before searching for a mortgage lender near me.
Other locations
Buying outside Fredericksburg?
Your mortgage broker in Fredericksburg VA team also lends in 13 more counties and cities across Virginia, Maryland and DC. See every one from our locations page.
Find out what you qualify for
Check USDA and VA before you tour
Send us the address or area you like, your income and your service history. We will check USDA, VA and FHA and send what you qualify for, free and in writing.
Call (703) 752-1805 to reach a mortgage broker in Fredericksburg 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
Fredericksburg buyers ask us
Can I get a USDA loan in Spotsylvania County?
Many rural addresses may qualify, subject to USDA maps and household income limits. A mortgage broker in Fredericksburg VA like SAI checks your exact address first.
Does USDA have a loan limit?
USDA guaranteed loans have no set loan limit, but household income limits and your ability to repay cap what you can borrow.
What is the 2026 loan limit in Fredericksburg?
The 2026 one-unit limit is $1,249,125 for conforming and FHA loans, the same as the rest of the Washington metro.
Can I buy near Quantico with $0 down?
Yes, with a VA loan and full entitlement, or with USDA if the address and income qualify.
Is Fredericksburg part of Spotsylvania County?
No. The City of Fredericksburg is an independent city with its own tax rate. Many Fredericksburg mailing addresses are in Spotsylvania or Stafford County.
Do I have to come to your Vienna office?
No. Most buyers here work with us by phone and secure upload.