Prince William County, Virginia
Mortgage Broker in Prince William County
- $0 down VA near Quantico
- FHA and down payment help
- Hablamos español
Prince William is where Northern Virginia buys its first home. Families renting in Woodbridge and Manassas, Marines at Quantico and new-build buyers in Gainesville all start here. SAI Mortgage is an independent mortgage broker in Prince William County that shops one file across many lenders, in eight languages.
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 Spanish
- NMLS179997
Where we lend
All of Prince William County, plus the independent cities of Manassas and Manassas Park
Open in Google Maps- $587KTypical county home
- 10 daysTypical time to pending
- $1,249,1252026 county loan limit
- $0.865Tax rate per $100
Zillow Home Value Index through 31 July 2026. FHFA and HUD 2026 one-unit limit. County FY2027 base rate, before levies.
Where we lend
Prince William towns we finance
Each town page covers local prices, neighborhoods and the loans buyers there use most. Pick yours, or call our mortgage broker in Prince William County team if your street is not listed.
Loan programs
Loans that fit how Prince William buys
The county runs from condos in Dumfries to new builds near Haymarket. Prince William County home loans have to cover that full range.
FHA loans
3.5 percent down with flexible credit, the most common start for townhouses in Woodbridge and Manassas.
About FHA loansVA loans
Marine Corps Base Quantico and the FBI Academy are here. VA loans need $0 down with full entitlement.
About VA loansFirst-time buyer loans
Every first time home buyer Prince William County file gets a check on state and local help 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 mortgagesConstruction loans
Gainesville, Bristow and Haymarket are full of new builds. We compare your builder's lender with outside offers.
About construction loansDSCR rental loans
Townhouses near the VRE rent well. DSCR loans qualify on the rent.
About DSCR loansWhy us
Built for first homes and fixed report dates
A bank checks your file against one rulebook. As a mortgage broker in Prince William County, we send it to many lenders and bring every offer back in writing, including the ones that fit ITIN, VA and first-time buyers.
Down payment help, checked first
We look for down payment assistance Prince William County buyers qualify for before you set a budget.
Spanish from first call to closing
The loan officer who speaks with you in Spanish stays on your file the whole way.
Quantico report dates respected
We schedule closings around orders and count BAH the way lenders allow.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Prince William market
Affordable by NoVA standards, still fast
Zillow placed the typical Prince William County home near $586,907 in July 2026, up 1.0 percent in a year, with homes going pending in about 10 days. Nearly half of sales closed above list, at a $593,359 median.
Prices vary a lot inside the county: Woodbridge near $504,489, Manassas near $561,776 and Gainesville near $767,554. A mortgage broker in Prince William County should match the loan to the town, not just the county.
Down payment on a $586,907 home
Program minimums before closing costs
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$17,607
- FHA, 3.5%$20,542
- Conventional, 20%, no PMI$117,381
Taxes by address
County, city or town: it changes your payment
Prince William has two independent cities inside its borders. These are the FY2027 real estate rates per $100 of assessed value.
Prince William County
Woodbridge, Dale City, Gainesville, Bristow and most county addresses, before fire and rescue and other levies.
City of Manassas
An independent city. The rate includes a 19-cent fire and rescue levy.
Manassas Park and towns
Manassas Park sets its own rate, and towns such as Haymarket, Occoquan and Dumfries add a town rate.
Prince William County FY2027 adopted rate; City of Manassas FY2027 adopted budget. We confirm the rate for your exact address.
Who we help
Which one sounds like you?
Most calls about Prince William County home loans start with one of these four.
"Rentamos en Manassas y queremos comprar."
Compare your rent with 3.5 percent down. Call and ask for Spanish.
FHA loan requirements"I report to Quantico next month."
Start with your Certificate of Eligibility. We can often order it for you.
Getting your VA COE"We make decent money, but saving a down payment feels impossible."
State and local programs can help. We check eligibility before you shop.
Virginia first-time buyer programs"The builder in Gainesville wants us to use their lender."
We run their offer against outside lenders so you see the real difference.
Construction loansMeeting in person
Getting to our office
Most Prince William files close by phone and secure upload. If you would rather sit down with your mortgage broker in Prince William County, we are up I-95 or I-66. Times below are estimates outside rush hour.
- From WoodbridgeI-95 north to I-495 northAbout 35 min
- From ManassasI-66 east to I-495 northAbout 35 min
- From GainesvilleI-66 east, Express LanesAbout 35 min
- From Dale CityDale Boulevard to I-95 northAbout 40 min
Before you apply
Worth a read first
Guides Prince William buyers read before searching for a mortgage lender near me.
Other locations
Buying outside Prince William?
Your mortgage broker in Prince William 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 your number before the next open house
Prince William homes go pending in about 10 days. Tell us how you get paid and we will send what you qualify for, free and in writing, with down payment help already checked.
Call (703) 752-1805 to reach a mortgage broker in Prince William 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
Prince William buyers ask us
What is the 2026 loan limit in Prince William County?
The 2026 one-unit limit is $1,249,125 for conforming and FHA loans, the same ceiling as the rest of the Washington metro. The cities of Manassas and Manassas Park carry the same limit. VA borrowers with full entitlement have no VA loan limit.
What is the Prince William County real estate tax rate?
The FY2027 county rate is $0.865 per $100 of assessed value, before fire and rescue and other levies. The City of Manassas ($1.24, including its fire levy) and the City of Manassas Park set their own rates, and some towns add a small town rate.
Is there down payment help in Prince William County?
Yes. Virginia Housing programs and local assistance can help eligible first-time buyers. A mortgage broker in Prince William County like SAI checks which ones fit your income and purchase price.
Can I buy with an ITIN in Prince William County?
Yes. ITIN loans work without a Social Security number, usually with a larger down payment. We explain every step in Spanish or English.
Can I buy near Quantico with $0 down?
Yes, if you qualify for a VA loan. We time your closing to your report date and can often order your Certificate of Eligibility.
Do I have to drive to your Vienna office?
No. Most Prince William files close by phone and secure document upload. You are welcome to visit any weekday from 9 AM to 6 PM.