Sterling, Virginia
Mortgage Lender in Sterling, VA
- Farsi, Arabic, Spanish
- FHA from 3.5% down
- SIV and ITIN buyers
Sterling is one of Loudoun's most welcoming places to buy a first home, with large Afghan, Arab and Hispanic communities around Route 7, Route 28 and the ADAMS Center. SAI Mortgage is an independent mortgage lender in Sterling VA that works in Farsi, Arabic, Spanish and English.
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 Farsi and Arabic
- NMLS179997
Where we lend
Sterling, from Sterling Park and Sugarland Run to Cascades, CountrySide and Dulles Town Center, ZIP codes 20164 to 20166
Open in Google Maps- $646KTypical Sterling home
- 5 daysTypical time to pending
- 60%Of sales closed over list
- $2,718Average monthly rent
Zillow Home Value Index, market data and Observed Rent Index for Sterling through 30 June 2026.
Loan programs
Loans that fit how Sterling buys
Most Sterling calls are about getting in the door. A mortgage lender in Sterling VA should show every low-down option and explain it in your language.
FHA loans
An FHA loan Sterling VA buyers use starts at 3.5 percent down, with flexible credit.
About FHA loansFirst-time buyer loans
A first time home buyer Sterling file can start at 3 percent down, plus Virginia programs that can stack on top.
About first-time buyer loansITIN loans
No Social Security number yet? You can still buy with an ITIN. We explain every step in Spanish.
About ITIN mortgagesSelf-employed loans
Drivers, contractors and shop owners can qualify on bank deposits.
About bank statement loansCondo mortgages
Condos near Route 7 need a building approval check. We run it before you offer.
About condo mortgagesRefinance and cash-out
Already own in Sterling Park? Use equity for an addition or payoff.
About refinancingWhy us
Your first home, explained in your language
A bank checks one rulebook. As an independent mortgage lender in Sterling VA, we send your file to many lenders, including those that accept ITIN, SIV and self-employed income.
Farsi and Arabic on the same team
The loan officer who speaks with you in your language stays on your file to closing.
SIV families welcome
Special Immigrant Visa holders are permanent residents and can use FHA or conventional loans. We walk you through it.
Spanish from first call to closing
Hablamos español, from preapproval to closing day.
No credit check to start
Short US credit history? We look at what you have first and pull credit only when you move forward.
The Sterling market
Fast offers, high rents
Zillow placed the typical Sterling home near $645,530 in June 2026, up 0.4 percent in a year, with homes going pending in about 5 days. Six in ten sales closed above list, at a $635,667 median.
Average rent sat near $2,718 a month. For many renters, a 3.5 percent down FHA loan puts the payment within reach. A mortgage lender in Sterling VA should run your rent against a mortgage before you tour.
Down payment on a $645,530 home
Program minimums before closing costs
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$19,366
- FHA, 3.5%$22,594
- Conventional, 20%, no PMI$129,106
Who we help
Which one sounds like you?
Most calls about Sterling home loans start with one of these four.
"We came from Kabul on an SIV and now have green cards."
Your green card and work history can qualify you for FHA or conventional. We explain each document.
FHA loan requirements"We pay $2,700 in rent near Dulles Town Center."
Compare your rent with 3.5 percent down. Many families are surprised.
Down payment basics"Tengo ITIN y trabajo en construcción."
ITIN loans can work with your tax returns and work history. Call and ask for Spanish.
ITIN mortgages"I drive for a living and get paid through apps."
Bank deposits can qualify you when they are steady and documented.
Bank statement loansWhere we lend
Sterling neighborhoods we finance
Our Sterling files run from townhouses in Sugarland Run to single-family homes in Cascades. Searching for a mortgage lender near me in 20164, 20165 or 20166? Our mortgage lender in Sterling VA team works by phone and secure upload.
- Sterling Park
- Sugarland Run
- Cascades
- Potomac Falls
- CountrySide
- Lowes Island
- Dulles Town Center area
- Route 28 corridor
- Route 7 corridor
Looking toward Ashburn? See our Ashburn mortgage lender page.
Meeting in person
Sterling to our Vienna office
Most files close without an office visit. If you want to sit down with a mortgage lender in Sterling VA, we are about 25 minutes down Route 7 or the Toll Road. Times below are estimates outside rush hour.
- From Sterling ParkVA-7 east to TysonsAbout 25 min
- From CascadesVA-7 east to TysonsAbout 30 min
- From Dulles Town CenterVA-28 south to the Toll Road eastAbout 25 min
- From Sugarland RunVA-7 east to TysonsAbout 25 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 first-time buyers read before choosing a lender.
Find out what you qualify for
Compare your rent to a mortgage payment
Sterling homes go pending in about 5 days. Tell us how you get paid and we will send what you qualify for, free and in writing, in Farsi, Arabic, Spanish or English.
Call (703) 752-1805 to reach a mortgage lender in Sterling 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
Sterling buyers ask us
Can SIV holders get a mortgage in Sterling?
Yes. Special Immigrant Visa holders are permanent residents and can use FHA or conventional loans with the usual documents. A mortgage lender in Sterling VA like SAI explains every step in Farsi, Arabic or English.
Can I buy with an ITIN?
Yes. ITIN loans work without a Social Security number, usually with a larger down payment. We explain every step in Spanish or English.
What credit score do I need for FHA?
FHA allows 3.5 percent down with a 580 score. Some lenders go lower with more down.
What is the 2026 loan limit in Sterling?
Sterling is in Loudoun County, where the 2026 one-unit limit is $1,249,125 for conforming and FHA loans.
What is the property tax rate in Sterling?
Sterling is unincorporated, so owners pay the Loudoun County rate of $0.805 per $100 for FY2027.
Do you speak Farsi, Arabic and Spanish?
Yes. Our team works in eight languages. The person who speaks with you handles your loan to closing.