Dale City, Virginia
Mortgage Lender in Dale City, VA
- $0 down VA for veterans
- FHA from 3.5% down
- Hablamos español
Dale City is a veterans' town. Census estimates show nearly one in ten adults has served, and Quantico and Fort Belvoir are each a short drive. SAI Mortgage is an independent mortgage lender in Dale City VA that knows VA loans inside out and speaks Spanish too.
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
Dale City, from Birchdale and Cloverdale to Lindendale and the Hylton area, ZIP code 22193
Open in Google Maps- 72,793Dale City residents
- 78.5%Own their home
- 9.6%Of adults are veterans
- $0.865County tax per $100
U.S. Census Bureau American Community Survey 5-year estimates for the Dale City CDP. Prince William County FY2027 base rate, before levies.
Loan programs
Loans that fit how Dale City buys
Split-levels, townhouses and ramblers built across the 1960s to 1990s. A mortgage lender in Dale City VA should match each one to the right program.
VA loans
A VA loan Dale City veterans use needs $0 down with full entitlement, and no monthly mortgage insurance.
About VA loansFHA loans
An FHA loan Dale City buyers choose starts at 3.5 percent down, with flexible credit.
About FHA loansFirst-time buyer loans
Low down payment options 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 mortgagesRefinance and cash-out
Veterans can often refinance with VA streamline or cash-out options. We compare them.
About refinancingRenovation loans
Older homes here can be bought and updated with one loan.
About renovation loansWhy us
VA done right, the first time
A bank has one VA desk, if it has one at all. As an independent mortgage lender in Dale City VA, we send your file to many VA lenders and bring every offer back in writing.
Using your VA benefit again
Already used it once? You may have remaining entitlement or can restore it. We check.
Disabled veterans pay less
A VA funding fee exemption and Virginia's property tax exemption for 100 percent disabled veterans can change your payment.
Spanish from first call to closing
The loan officer who speaks with you in Spanish stays on your file the whole way.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Dale City market
A homeowner town with room to buy
Census estimates count about 72,800 Dale City residents, with nearly four in five homes owner-occupied and a median rent of about $1,868. Recent asking prices on Redfin have sat around $490,000 to $500,000.
That keeps Dale City one of the more affordable ways into Prince William, far below the $1,249,125 limit. A mortgage lender in Dale City VA should show VA, FHA and conventional side by side before you tour.
Down payment on a $490,000 home
Example price, program minimums
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$14,700
- FHA, 3.5%$17,150
- Conventional, 20%, no PMI$98,000
Who we help
Which one sounds like you?
Most calls about Dale City home loans start with one of these four.
"I retired from the Army and used my VA loan once already."
You may still have entitlement, or can restore it when the old loan is paid off.
VA loan eligibility"I am rated 100 percent disabled. Does that help?"
Yes. You may skip the VA funding fee and qualify for Virginia's property tax exemption.
VA vs conventional"Queremos nuestra primera casa en Dale City."
Compare your rent with 3.5 percent down. Call and ask for Spanish.
FHA credit score in Virginia"We bought in 2015 and want to redo the kitchen."
A VA or conventional cash-out refinance can fund it. We compare both.
RefinancingWhere we lend
Dale City neighborhoods we finance
Dale City's neighborhoods run in alphabetical order, from Birchdale to Queensdale. Searching for a mortgage lender near me in 22193? Our mortgage lender in Dale City VA team works by phone and secure upload.
- Birchdale
- Cloverdale
- Evansdale
- Glendale
- Kerrydale
- Lindendale
- Mapledale
- Queensdale
- Dale Boulevard corridor
- Hylton area
Closer to I-95 and Potomac Mills? See our Woodbridge mortgage lender page.
Meeting in person
Dale City to our Vienna office
Most files close without an office visit. If you want to sit down with a mortgage lender in Dale City VA, we are up I-95 and the Beltway. Times below are estimates outside rush hour.
- From Dale BoulevardI-95 north to I-495 northAbout 40 min
- From Hylton areaPrince William Parkway to I-95About 40 min
- From BirchdaleMinnieville Road to I-95 northAbout 40 min
- From QuanticoI-95 north to I-495 northAbout 50 min
Other locations
More of Prince William County
The same team and lenders cover every town in the county. Start with our Prince William County mortgage broker page for county-wide limits, tax rates and market data.
Before you apply
Worth a read first
What veterans and first-time buyers read before choosing a lender.
Find out what you qualify for
Put your VA benefit to work
Tell us your service history or how you get paid, and we will send what you qualify for, free and in writing. Most preapprovals take one to two days.
Call (703) 752-1805 to reach a mortgage lender in Dale City 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
Dale City buyers ask us
Can I use my VA loan more than once?
Yes. If you have remaining entitlement, or restore it after selling, you can use VA again. A mortgage lender in Dale City VA like SAI checks your Certificate of Eligibility.
Do disabled veterans pay the VA funding fee?
Veterans receiving VA compensation for a service-connected disability are generally exempt from the funding fee.
Do disabled veterans pay property tax in Prince William County?
Virginia exempts a qualifying 100 percent service-connected disabled veteran's primary home from real estate tax. Confirm eligibility with the county.
What is the 2026 loan limit in Dale City?
Dale City is in Prince William County, where the 2026 one-unit limit is $1,249,125 for conforming and FHA loans.
¿Hablan español?
Sí. Our team works in eight languages, including Spanish. The person who speaks with you handles your loan to closing.
Do I have to come to your Vienna office?
No. Most Dale City buyers work with us by phone and secure upload. You are welcome to visit any weekday from 9 AM to 6 PM.