Loudoun County, Virginia
Mortgage Broker in Loudoun County
- H-1B and green card buyers
- Jumbo above $1,249,125
- Hindi, Urdu, Punjabi, Bangla
Loudoun runs on tech and data centers, and many of the families buying here came for those jobs. SAI Mortgage is an independent mortgage broker in Loudoun County that handles visas, family gifts from abroad and move-up timing, in the language you are most comfortable with.
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
All of Loudoun County, from Sterling and Ashburn to Leesburg, Aldie and the western towns
Open in Google Maps- $810KTypical county home
- $1,249,1252026 county loan limit
- $0.805Tax rate per $100
- 38%Of county revenue from data centers
Zillow Home Value Index through 30 June 2026. FHFA and HUD 2026 one-unit limit. Loudoun County FY2027 adopted rate and budget information.
Where we lend
Loudoun communities we finance
Each community page covers local prices, neighborhoods and the loans buyers there use most. Pick yours, or call our mortgage broker in Loudoun County team if your street is not listed.
Loan programs
Loans that fit how Loudoun buys
Visa holders, move-up families and new-build buyers make up most of the market. Loudoun County home loans have to fit all three.
Conventional for visa holders
An H-1B mortgage Loudoun buyers use is usually conventional. With valid work authorization, many lenders treat you much like a citizen.
About first-time buyer loansJumbo loans
A jumbo loan Loudoun County buyers need starts above $1,249,125. We compare portfolio and investor jumbo options.
About jumbo loansForeign national loans
Earning or holding assets abroad? We match you with lenders that accept them.
About foreign national loansConstruction loans
Brambleton, Aldie and western Loudoun are still building. We compare builder lenders with outside offers.
About construction loansSelf-employed loans
IT contractors on 1099s can qualify on bank deposits instead of tax returns.
About bank statement loansPhysician loans
Doctors at Inova Loudoun and nearby hospitals can buy with little down.
About physician loansWhy us
Visas, gifts and timelines, handled
A bank has one policy for non-citizen borrowers. As a mortgage broker in Loudoun County, we send your file to lenders whose rules fit your visa, your income and your family's help.
We start with your visa and EAD
H-1B, L-1, green card or foreign national. The right lender depends on it, so we check it on the first call.
Family gifts from abroad
Parents often help with the down payment. We show you the wire and letter trail lenders need.
Hindi, Urdu, Punjabi and Bangla
The loan officer who speaks with you in your language stays on your file to closing.
No credit check to start
New to US credit? We look at what you have first and pull credit only when you move forward.
The Loudoun market
High prices, the lowest county tax rate in NoVA
Zillow placed the typical Loudoun County home near $809,557 in June 2026. In Ashburn, homes went pending in about 6 days.
Data centers pay about 38 percent of the county's general fund, which has helped hold the real estate rate at $0.805 per $100, the lowest of any Northern Virginia county. Even so, the average homeowner's bill rose about $141 this year as values climbed. A mortgage broker in Loudoun County should price your payment on this year's assessment.
Down payment on an $809,557 home
Common levels before closing costs
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$24,287
- Conventional, 5%$40,478
- Conventional, 20%, no PMI$161,911
Taxes by address
County or town: it changes your payment
Loudoun's towns set their own rates on top of the county's. These are the pieces of an FY2027 bill per $100 of assessed value.
Loudoun County
Ashburn, Sterling, Brambleton, South Riding, Aldie and all unincorporated addresses.
Leesburg and the towns
Leesburg, Purcellville, Middleburg and the smaller towns add their own rate on top.
Average bill change
The rate held steady, but the average homeowner bill still rose about $141 this year.
Loudoun County FY2027 adopted budget. Community development authority or special district charges may apply in some new communities. We confirm the rate for your exact address.
Who we help
Which one sounds like you?
Most calls about Loudoun County home loans start with one of these four.
"We are both on H-1Bs and want a townhouse in Ashburn."
Conventional loans often work with valid work authorization. We explain it in Hindi or English.
Getting a mortgage"My parents in Hyderabad want to send the down payment."
Gift funds from abroad can work with the right paper trail. We explain it in Hindi, Urdu or English.
Down payment basics"We need a bigger house in Brambleton before the baby comes."
We plan the sale and the purchase together, and show you the conforming line.
Conforming vs jumbo"I am a 1099 contractor and my return shows half my income."
Bank statement loans count your deposits instead.
Bank statement loansMeeting in person
Getting to our office
Most Loudoun files close by phone and secure upload. If you would rather sit down with your mortgage broker in Loudoun County, we are straight down the Toll Road. Times below are estimates outside rush hour.
- From AshburnDulles Toll Road east to TysonsAbout 25 min
- From SterlingVA-7 east or the Toll RoadAbout 25 min
- From LeesburgDulles Greenway to the Toll RoadAbout 35 min
- From Ashburn stationSilver Line east to TysonsAbout 35 min
Before you apply
Worth a read first
Guides Loudoun buyers read before searching for a mortgage lender near me.
- VA loan limits in NoVAFairfax, Loudoun and Arlington
- Conforming vs jumboWhere the limit changes the loan
- Getting a mortgageThe steps, start to finish
- Down payment basicsIncluding gifts from family
- Credit score to buy in VirginiaNew to US credit? Start here
- Detailed payment calculatorAdd HOA, taxes and insurance
Other locations
Buying outside Loudoun?
Your mortgage broker in Loudoun County team also lends in 13 more counties across Virginia, Maryland and DC. See every county from our locations page.
Find out what you qualify for
Know what your visa and income can buy
Tell us your visa type, your family's help and how you get paid. We will send what you qualify for, free and in writing.
Call (703) 752-1805 to reach a mortgage broker in Loudoun County 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
Loudoun buyers ask us
What is the 2026 loan limit in Loudoun County?
The 2026 one-unit limit is $1,249,125 for conforming and FHA loans, the same as the rest of the Washington metro. VA borrowers with full entitlement have no VA loan limit.
What is the Loudoun County real estate tax rate?
The FY2027 adopted rate is $0.805 per $100 of assessed value, unchanged from last year and the lowest of any Northern Virginia county. Homes in Leesburg and the county's other towns also pay a town rate.
Can H-1B visa holders get a mortgage in Loudoun County?
Often, yes, with a conventional loan and valid work authorization. A mortgage broker in Loudoun County like SAI checks your visa first, then matches lenders.
Do I need a jumbo loan in Loudoun?
Most buyers do not. The typical county home, near $809,557, sits well under the $1,249,125 limit. Larger homes in Lansdowne, Belmont and western Loudoun can go over it.
Can I use money from family abroad for the down payment?
Yes, with a gift letter and a clear record of the transfer. We tell you exactly what to keep.
Do I have to drive to your Vienna office?
No. Most Loudoun files close by phone and secure upload. From Ashburn, our office is about 25 minutes down the Dulles Toll Road if you want to visit.