Aldie, Virginia
Mortgage Lender in Aldie, VA
- Construction-to-permanent
- New-build sections
- Jumbo above $1,249,125
Aldie tripled in a decade, and it is still being built, from Stone Ridge and Kirkpatrick Farms to custom homes on acreage along Route 50. SAI Mortgage is an independent mortgage lender in Aldie VA that compares builder lenders, construction loans and jumbos on one file.
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
Aldie, from Stone Ridge and Kirkpatrick Farms to the historic village on Route 50, ZIP code 20105
Open in Google Maps- 3xPopulation growth, 2010 to 2020
- 81%Of homes built since 2000
- $1.14MAverage sale price
- $1,249,1252026 loan limit
U.S. Census 2010 and 2020 counts and American Community Survey estimates for ZIP 20105. Trulia average sale price, June 2026. FHFA 2026 one-unit limit.
Loan programs
Loans that fit how Aldie buys
New sections, custom builds and move-up resales each need a different plan. A mortgage lender in Aldie VA should know which lender fits your build date.
Construction-to-permanent
A construction to permanent loan Aldie buyers use funds the lot and the build, then becomes one mortgage.
About construction loansNew construction
A new construction mortgage Loudoun buyers compare should include an outside lender. We price the builder's offer against ours.
How builder offers compareJumbo loans
Larger homes and custom builds can pass $1,249,125. We compare portfolio and investor jumbos.
About jumbo loansMove-up conventional
Selling a townhouse in Ashburn or South Riding? We time both closings.
See all loan programsForeign national loans
Buying with assets or income from abroad? We match you with lenders that accept them.
About foreign national loansVA loans
Veterans can use VA on new builds when the builder meets VA rules.
About VA loansWhy us
Long builds need a lender who plans ahead
A builder's lender works for the builder. As an independent mortgage lender in Aldie VA, we send your file to many lenders and bring every offer back in writing.
Builder incentives, checked
Closing credits can be real savings, or a higher rate in disguise. We show the full math.
Rate locks that last the build
Some lenders offer extended locks for homes finishing months out. We find them.
Wells, septic and acreage understood
Rural lots west of the new sections need the right appraiser and lender.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Aldie market
Newer homes, higher prices
The Census counted about 11,300 people in ZIP 20105 in 2010 and 34,500 in 2020, and 81 percent of homes were built after 2000. The median home value in recent Census estimates was $858,900, and recent sales averaged about $1.14 million.
That average sits just under the $1,249,125 limit, so a few upgrades can push a new build into jumbo territory. A mortgage lender in Aldie VA should price both before you pick options.
Down payment on a $1,140,000 home
Example price, common levels
- Conventional, 5%$57,000
- Conventional, 10%$114,000
- Conventional, 20%, no PMI$228,000
- Room left under the limit$109,125
Who we help
Which one sounds like you?
Most calls about Aldie home loans start with one of these four.
"Our new home in Stone Ridge finishes next spring."
Extended rate locks can protect you. We compare what they cost.
Fixed or adjustable?"We bought five acres off Route 50 and want to build."
A construction-to-permanent loan covers the build and the mortgage in one closing.
Construction loans"The upgrades pushed us over the limit."
We compare a jumbo with a larger down payment so you can decide.
Conforming vs jumbo"We need to sell our Ashburn townhouse first."
We plan the sale and purchase together so the timing works.
Closing timelineWhere we lend
Aldie neighborhoods we finance
Our Aldie files run from townhouses in Stone Ridge to custom homes on acreage. Searching for a mortgage lender near me in 20105? Our mortgage lender in Aldie VA team works by phone and secure upload.
- Stone Ridge
- Kirkpatrick Farms
- Willowsford
- Grove at Willowsford
- Seven Hills
- Braddock Road corridor
- Route 50 corridor
- Historic Aldie village
Looking closer to Route 50 and Route 28? See our South Riding mortgage lender page.
Meeting in person
Aldie to our Vienna office
Most files close without an office visit. If you want to sit down with a mortgage lender in Aldie VA, we are east on Route 50 and I-66. Times below are estimates outside rush hour.
- From Stone RidgeUS-50 east to VA-28 and I-66About 35 min
- From Kirkpatrick FarmsUS-50 east to I-66 eastAbout 35 min
- From WillowsfordLoudoun County Parkway to the Toll RoadAbout 35 min
- From historic AldieUS-50 east to I-66 eastAbout 45 min
Other locations
More of Loudoun County
The same team and lenders cover every town in the county. Start with our Loudoun County mortgage broker page for county-wide limits, tax rates and market data.
Before you apply
Worth a read first
What new-build and custom-build buyers read before choosing a lender.
Find out what you qualify for
Compare the builder's offer before you sign
Send us the builder's lender quote or your lot details and how you get paid. We will send a side-by-side comparison and what you qualify for, free and in writing.
Call (703) 752-1805 to reach a mortgage lender in Aldie 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
Aldie buyers ask us
Can I finance land and construction together in Aldie?
Yes. A construction-to-permanent loan funds the lot, the build and the final mortgage in one loan. A mortgage lender in Aldie VA like SAI compares several.
Do I have to use the builder's lender?
No. Builders can offer incentives for using their lender, but you can choose any lender. We compare the full cost so you can decide.
How long can I lock a rate on a new build?
Standard locks run 30 to 60 days. Extended locks for longer builds are available from some lenders, usually at a cost.
What is the 2026 loan limit in Aldie?
Aldie is in Loudoun County, where the 2026 one-unit limit is $1,249,125. Loans above that are jumbo.
Do new communities in Aldie have extra charges?
Some newer communities carry HOA dues and special district charges. We add them to your payment estimate.
Do I have to come to your Vienna office?
No. Most Aldie buyers work with us by phone and secure upload. You are welcome to visit any weekday from 9 AM to 6 PM.