Leesburg, Virginia
Mortgage Lender in Leesburg, VA
- Physician loans
- Move-up and jumbo
- Town tax built in
Leesburg mixes an 18th-century downtown with new sections in Lansdowne and River Creek, and many of its buyers work at Inova Loudoun. SAI Mortgage is an independent mortgage lender in Leesburg VA that handles physician loans, move-up timing and jumbo loans from 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 Urdu and Spanish
- NMLS179997
Where we lend
Leesburg, from the Historic District to Lansdowne, River Creek and Raspberry Falls, ZIP codes 20175 and 20176
Open in Google Maps- $868KTypical Leesburg home
- 9 daysTypical time to pending
- $0.982In-town tax per $100
- $1,249,1252026 loan limit
Zillow Home Value Index through 30 June 2026. Loudoun County $0.805 plus Town of Leesburg $0.1774 per $100 for 2026. FHFA 2026 one-unit limit.
Loan programs
Loans that fit how Leesburg buys
A new attending, a family trading up and a buyer eyeing a historic rowhouse all need different paperwork. One mortgage lender in Leesburg VA can line them up.
Physician loans
A physician mortgage Leesburg doctors use can ask for little down, skip PMI and count deferred student loans more fairly.
About physician loansJumbo loans
A jumbo loan Leesburg buyers need starts above $1,249,125. Many detached homes here sit near that line.
About jumbo loansMove-up conventional
Selling a townhouse to buy a single-family home? We time both closings.
See all loan programsRenovation loans
Historic homes downtown often need work. Buy and update with one loan.
About renovation loansConstruction loans
Building on a lot north of town? A construction-to-permanent loan covers it.
About construction loansVA loans
Veterans can buy with $0 down with full entitlement.
About VA loansWhy us
Residency, contracts and the town line
A bank checks one rulebook. As an independent mortgage lender in Leesburg VA, we send your file to many lenders, including physician and jumbo lenders, and bring every offer back in writing.
Contract income can count
Starting at Inova Loudoun? Many lenders close on a signed contract before your first paycheck.
Town or county, taxed correctly
Inside town limits you pay 17.74 cents more per $100 than in Lansdowne or River Creek. Your estimate uses the right rate.
Near the limit? We run both
Many detached homes here are close to $1,249,125. We price conforming and jumbo side by side.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Leesburg market
Pricier homes, a town tax on top
Zillow placed the typical Leesburg home near $867,655 in June 2026, up 1.7 percent in a year, with homes going pending in about 9 days. The median sale price was $862,083. Loudoun's detached homes ran higher, at a $1,100,944 median in March.
Inside town limits, the town's 17.74 cents pushes the combined rate to about $0.98 per $100. On a typical home, that is roughly $8,524 a year, versus $6,985 outside the town. A mortgage lender in Leesburg VA should use the right number from the start.
Down payment on an $867,655 home
Common levels before closing costs
- Physician loan, often0% to 5%
- Conventional, 5%$43,383
- Conventional, 10%$86,766
- Conventional, 20%, no PMI$173,531
Who we help
Which one sounds like you?
Most calls about Leesburg home loans start with one of these four.
"I start at Inova Loudoun in July and have $300K in student loans."
Physician loans can count deferred loans more fairly and close on your contract.
Student loans and physician DTI"We want to leave our Lansdowne townhouse for a house with a yard."
We plan the sale and purchase together and show you the conforming line.
Conforming vs jumbo"We found an 1890s house downtown that needs a new kitchen."
A renovation loan covers the purchase and the work in one mortgage.
Renovation loans"Is the town tax really that different?"
On a typical home, about $1,500 a year. We build it into your payment.
Detailed payment calculatorWhere we lend
Leesburg neighborhoods we finance
Our Leesburg files run from rowhouses in the Historic District to golf homes in River Creek. Searching for a mortgage lender near me in 20175 or 20176? Our mortgage lender in Leesburg VA team works by phone and secure upload.
- Historic District
- River Creek
- Lansdowne
- Potomac Station
- Exeter
- Greenway Farms
- Beacon Hill
- Raspberry Falls
- Tavistock Farms
- Oaklawn
Closer to the Silver Line? See our Ashburn mortgage lender page.
Meeting in person
Leesburg to our Vienna office
Most files close without an office visit. If you want to sit down with a mortgage lender in Leesburg VA, take the Greenway and the Toll Road. Times below are estimates outside rush hour.
- From downtown LeesburgDulles Greenway to the Toll Road eastAbout 35 min
- From LansdowneVA-7 east to TysonsAbout 35 min
- From River CreekVA-7 east to TysonsAbout 35 min
- From Raspberry FallsUS-15 to the Greenway 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 doctors and move-up buyers read before choosing a lender.
Find out what you qualify for
Get your number before your start date
Tell us your contract or how you get paid, and whether you are inside town limits. We will send what you qualify for, free and in writing.
Call (703) 752-1805 to reach a mortgage lender in Leesburg 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
Leesburg buyers ask us
Can I buy before starting at Inova Loudoun?
Often, yes. Many physician programs accept a signed contract with a start date within about 90 days. A mortgage lender in Leesburg VA like SAI compares several.
What is the property tax rate in Leesburg?
Inside town limits, owners pay Loudoun County's $0.805 plus the town's 17.74 cents per $100, about $0.98 combined for 2026. Lansdowne and River Creek sit outside town limits and pay the county rate only.
Do I need a jumbo loan in Leesburg?
Many buyers do not. The typical home, near $867,655, sits under the $1,249,125 limit, but many detached homes come close to or above it.
Do physician loans require PMI?
Most skip private mortgage insurance, even with a low down payment. Terms vary, so we compare several lenders.
Can I finance a historic home renovation?
Yes. Renovation loans can fund the purchase and approved repairs together. Historic district rules may affect your plans, so we build in time.
Do I have to come to your Vienna office?
No. Most Leesburg buyers work with us by phone and secure upload. You are welcome to visit any weekday from 9 AM to 6 PM.