Ashburn, Virginia
Mortgage Lender in Ashburn, VA
- H-1B and green card buyers
- Jumbo above $1,249,125
- Hindi, Urdu, Punjabi, Bangla
Ashburn has one of the largest South Asian communities in the Washington area, and many families here work in the data centers and tech firms along Route 28 and the Silver Line. SAI Mortgage is an independent mortgage lender in Ashburn VA that explains every step in your language and shops many lenders at once.
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
Ashburn, from One Loudoun and Moorefield Station to Ashburn Farm, Broadlands and Belmont, ZIP codes 20147 and 20148
Open in Google Maps- $811KTypical Ashburn home
- 6 daysTypical time to pending
- 49%Of sales closed over list
- $0.805Tax rate per $100
Zillow Home Value Index and market data through 30 June 2026. Loudoun County FY2027 adopted rate.
Loan programs
Loans that fit how Ashburn buys
Your visa, your family's help and whether your price crosses the limit all shape the loan. A mortgage lender in Ashburn VA should check all three before you tour.
Conventional for visa holders
An H-1B mortgage Ashburn engineers 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 Ashburn buyers need starts above $1,249,125, common in Belmont and Lansdowne.
About jumbo loansForeign national loans
Earning or holding assets in India, Pakistan or the Gulf? We match you with lenders that accept them.
About foreign national loansSelf-employed loans
IT contractors on 1099s or corp-to-corp can qualify on bank deposits.
About bank statement loansDSCR rental loans
Buying a townhouse near the Silver Line to rent? DSCR loans qualify on the rent.
About DSCR loansPhysician loans
Doctors at Inova Loudoun in Lansdowne can buy with little down.
About physician loansWhy us
Your visa is a detail, not a dead end
A bank has one policy on non-citizen borrowers. As an independent mortgage lender in Ashburn VA, we send your file to lenders whose rules fit your visa and income, and bring every offer back in writing.
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.
Gifts from family abroad
Parents often help with the down payment. We show you the wire and gift-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 Ashburn market
Fast offers, a low tax rate
Zillow placed the typical Ashburn home near $811,012 in June 2026, down 0.9 percent in a year, with homes going pending in about 6 days. Nearly half of sales closed above list, at a $776,317 median.
Loudoun's $0.805 tax rate is the lowest of any Northern Virginia county, which helps the monthly payment. Some newer communities add a special district charge, so a mortgage lender in Ashburn VA should check the exact address before you offer.
Down payment on an $811,012 home
Common levels before closing costs
- Conventional, first-time buyer, 3%$24,330
- Conventional, 5%$40,551
- Conventional, 10%$81,101
- Conventional, 20%, no PMI$162,202
Who we help
Which one sounds like you?
Most calls about Ashburn home loans start with one of these four.
"I am on an H-1B at a data center company. Can I buy?"
Usually, yes. We check your visa, EAD and work history, then match you to lenders that accept them.
Getting a mortgage"My parents in Chennai want to help with the down payment."
Gift funds from abroad can work. We explain the wire records and gift letter in your language.
Down payment basics"Our Ashburn Farm townhouse is too small, and houses in Belmont are over the limit."
We price a jumbo against a larger down payment so you can compare.
Conforming vs jumbo"I live in Dubai and want a rental near the Ashburn Metro."
Foreign national and DSCR loans can qualify on the rent and your overseas assets.
DSCR loansWhere we lend
Ashburn neighborhoods we finance
Our Ashburn files run from condos at Moorefield Station to golf homes in Belmont. Searching for a mortgage lender near me in 20147 or 20148? Our mortgage lender in Ashburn VA team works by phone and secure upload.
- Ashburn Farm
- Ashburn Village
- Broadlands
- Belmont Country Club
- Lansdowne
- One Loudoun
- Moorefield Station
- Loudoun Valley Estates
- Potomac Green
- Goose Creek
Looking farther south? See our Brambleton mortgage lender page.
Meeting in person
Ashburn to our Vienna office
Most files close without an office visit. If you want to sit down with a mortgage lender in Ashburn VA, take the Toll Road or the Silver Line. Times below are estimates outside rush hour.
- From Ashburn FarmDulles Toll Road east to TysonsAbout 25 min
- From One LoudounVA-7 to the Toll Road eastAbout 30 min
- From Moorefield StationLoudoun County Parkway to the Toll RoadAbout 25 min
- From Ashburn MetroSilver Line east to Tysons stationAbout 35 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 visa holders and move-up families read before choosing a lender.
- Getting a mortgageThe steps, start to finish
- Down payment basicsIncluding gifts from family
- Conforming vs jumboWhere the limit changes the loan
- Credit score to buy in VirginiaNew to US credit? Start here
- Mortgage preapprovalWin in a 6-day market
- Detailed payment calculatorAdd HOA, taxes and insurance
Find out what you qualify for
Know what your visa can buy
Ashburn homes go pending in about 6 days. Tell us your visa type and how you get paid and we will send what you qualify for, free and in writing.
Call (703) 752-1805 to reach a mortgage lender in Ashburn 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
Ashburn buyers ask us
Can I get a mortgage on an H-1B visa in Ashburn?
Often, yes. Many lenders offer conventional loans to H-1B holders with valid work authorization and steady job history. A mortgage lender in Ashburn VA like SAI checks your visa first, then matches lenders.
Can H-1B holders use an FHA loan?
Not anymore. HUD ended FHA eligibility for non-permanent residents in 2025. Green card holders can still use FHA.
Do I need a jumbo loan in Ashburn?
Most buyers do not. The typical home, near $811,012, sits under the $1,249,125 limit, but larger homes in Belmont and Lansdowne can go over it.
What is the property tax rate in Ashburn?
Ashburn is unincorporated Loudoun County, so owners pay $0.805 per $100 for FY2027. Some newer communities add a special district charge.
Do you speak Hindi, Urdu, Punjabi or Bangla?
Yes. Our team works in eight languages. The person who speaks with you handles your loan to closing.
Do I have to come to your Vienna office?
No. Most Ashburn buyers work with us by phone and secure upload. Our office is about 25 minutes away if you want to visit.