Gainesville, Virginia
Mortgage Lender in Gainesville, VA
- New construction loans
- Move-up buyers
- Builder offers compared
Gainesville grew up along I-66 and Route 29, and much of it is still being built. Most buyers here are moving up from a townhouse, and many are buying from a builder. SAI Mortgage is an independent mortgage lender in Gainesville VA that compares the builder's lender with the rest of the market.
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 Hindi
- NMLS179997
Where we lend
Gainesville, from Virginia Gateway and Route 29 to Lake Manassas and Heritage Hunt, ZIP code 20155
Open in Google Maps- $768KTypical Gainesville home
- 6 daysTypical time to pending
- $1,249,1252026 county loan limit
- $0.865Tax rate per $100
Zillow Home Value Index through 31 May 2026. FHFA and HUD 2026 one-unit limit. Prince William County FY2027 base rate, before levies.
Loan programs
Loans that fit how Gainesville buys
A new build, a resale colonial and a 55+ villa each need different timing. A mortgage lender in Gainesville VA should plan the rate lock around your build date.
New construction
A new construction mortgage Gainesville buyers compare should include an outside lender. We price the builder's offer against ours.
About construction loansConstruction-to-permanent
A construction to permanent loan Virginia lenders offer funds a custom build on your lot and converts to one mortgage.
How it worksMove-up conventional
Selling a townhouse to buy a single-family home? We time both closings.
See all loan programsJumbo loans
Larger homes near Lake Manassas can pass $1,249,125. We compare jumbo options.
About jumbo loansVA loans
Veterans can use VA on new builds when the builder meets VA rules.
About VA loansReverse mortgages
Right-sizing into a 55+ community? HECM for Purchase can remove the monthly payment.
About reverse mortgagesWhy us
Long builds need a lender who plans ahead
A builder's lender works for the builder. As an independent mortgage lender in Gainesville VA, we send your file to many lenders and bring every offer back in writing, so you can compare.
Builder incentives, checked
Closing credits can be real savings, or a higher rate in disguise. We show the full math.
Rate locks that last the build
Some lenders offer extended locks for homes finishing months out. We find them.
Sell and buy on one timeline
We plan your townhouse sale and new-home closing together.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Gainesville market
Move-up prices, new-build pace
Zillow placed the typical Gainesville home near $767,554 in May 2026, up 1.1 percent in a year, with homes going pending in about 6 days. The median sale price was $778,333, and nearly half of sales closed above list.
That puts most Gainesville homes well above the county typical but still under the $1,249,125 limit. A mortgage lender in Gainesville VA should show you how builder credits and your down payment change the real cost.
Down payment on a $767,554 home
Common levels before closing costs
- VA loan, full entitlement$0
- Conventional, 5%$38,378
- Conventional, 10%$76,755
- Conventional, 20%, no PMI$153,511
Who we help
Which one sounds like you?
Most calls about Gainesville home loans start with one of these four.
"The builder will pay $15,000 in closing costs if we use their lender."
Sometimes that wins, sometimes not. We compare the full cost so you can decide.
Closing timeline"Our new home finishes in eight months. What about rates?"
Extended rate locks can protect you. We compare what they cost.
Fixed or adjustable?"We have to sell our Bristow townhouse first."
We plan the sale and the purchase together so the timing works.
Loan programs"We are 66 and moving into Heritage Hunt."
HECM for Purchase can let you buy with no monthly mortgage payment.
Reverse mortgagesWhere we lend
Gainesville neighborhoods we finance
Our Gainesville files run from townhouses near Virginia Gateway to single-family homes by Lake Manassas. Searching for a mortgage lender near me in 20155? Our mortgage lender in Gainesville VA team works by phone and secure upload.
- Piedmont
- Heritage Hunt
- Virginia Oaks
- Lake Manassas
- Somerset
- Virginia Gateway area
- Linton Hall corridor
- Route 29 corridor
- Route 55 corridor
Looking farther west? See our Haymarket mortgage lender page.
Meeting in person
Gainesville to our Vienna office
Most files close without an office visit. If you want to sit down with a mortgage lender in Gainesville VA, we are straight down I-66. Times below are estimates outside rush hour.
- From Virginia GatewayI-66 east, Express Lanes to I-495About 35 min
- From Heritage HuntUS-29 to I-66 eastAbout 35 min
- From PiedmontRoute 15 to I-66 eastAbout 40 min
- From Lake ManassasRoute 29 to I-66 eastAbout 35 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 move-up and new-build buyers read before choosing a lender.
Find out what you qualify for
Compare the builder's offer before you sign
Send us the builder's lender quote and how you get paid. We will send a side-by-side comparison and what you qualify for, free and in writing.
Call (703) 752-1805 to reach a mortgage lender in Gainesville 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
Gainesville buyers ask us
Do I have to use the builder's lender?
No. Builders can offer incentives for using their lender, but you can choose any lender. A mortgage lender in Gainesville VA like SAI compares the full cost so you can decide.
How long can I lock a rate on a new build?
Standard locks run 30 to 60 days. Extended locks for longer builds are available from some lenders, usually at a cost.
Can I buy a new home before selling my townhouse?
Often, yes. Some lenders count your current equity or allow a short period with two payments.
Can I use a reverse mortgage to buy in a 55+ community?
Yes. HECM for Purchase lets buyers 62 and older buy a home with no monthly mortgage payment, with a larger down payment.
What is the 2026 loan limit in Gainesville?
Gainesville is in Prince William County, where the 2026 one-unit limit is $1,249,125 for conforming and FHA loans.
Do I have to come to your Vienna office?
No. Most Gainesville buyers work with us by phone and secure upload. You are welcome to visit any weekday from 9 AM to 6 PM.