Haymarket, Virginia
Mortgage Lender in Haymarket, VA
- Move-up buyers
- Build on your own lot
- Jumbo above $1,249,125
Haymarket is where Northern Virginia goes for more house and more land: golf communities, new sections and larger lots toward the Bull Run Mountains. SAI Mortgage is an independent mortgage lender in Haymarket VA that finances all three, including custom builds.
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
Haymarket, from Dominion Valley and the historic town center to Evergreen and Greenhill Crossing, ZIP code 20169
Open in Google Maps- $820KTypical Haymarket home
- $775K12-month median sale
- +26%More closings than last year
- 6 daysMedian time to sell
Zillow Home Value Index through 31 July 2026. Bright MLS closed sales, 12 months through 19 July 2026, via Fox Homes.
Loan programs
Loans that fit how Haymarket buys
A golf-course colonial, a new townhouse and five acres to build on each need a different loan. A mortgage lender in Haymarket VA should know all three.
Construction-to-permanent
A construction loan Haymarket buyers use can fund the lot, the build and the final mortgage in one closing.
About construction loansJumbo loans
A jumbo loan Prince William County buyers need starts above $1,249,125, common in Dominion Valley and on larger lots.
About jumbo loansMove-up conventional
Selling a townhouse in Gainesville or Bristow? We time both closings.
See all loan programsRenovation loans
Older farmhouses and larger-lot homes can be bought and updated with one loan.
About renovation loansVA loans
Veterans can use VA on new builds and existing homes, with $0 down with full entitlement.
About VA loansRefinance and cash-out
Built equity over the last decade? Fund a pool or a finished basement.
About refinancingWhy us
More house, more land, one lender plan
A builder's lender works for the builder. As an independent mortgage lender in Haymarket VA, we send your file to many lenders and bring every offer back in writing.
Wells, septic and acreage understood
Larger lots need the right appraiser and lender. We plan for it before you offer.
Builder incentives, checked
Closing credits can be real savings, or a higher rate in disguise. We show the full math.
Town or county, taxed correctly
Homes inside the Town of Haymarket add a town rate. Your estimate uses the right one.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Haymarket market
More sales, steady prices
Zillow placed the typical Haymarket home near $820,333 in July 2026, up 1.6 percent in a year. Bright MLS counted 541 closings in the 12 months through mid-July, up 26.4 percent, at a $775,000 median, with the median home selling in 6 days.
More closings with steady prices means more choice, not bargains. A mortgage lender in Haymarket VA should have you approved before a new section or resale home hits the market.
Down payment on an $820,333 home
Common levels before closing costs
- VA loan, full entitlement$0
- Conventional, 5%$41,017
- Conventional, 10%$82,033
- Conventional, 20%, no PMI$164,067
Who we help
Which one sounds like you?
Most calls about Haymarket home loans start with one of these four.
"We bought three acres and want to build."
A construction-to-permanent loan covers the build and the mortgage in one closing.
Construction loans"We love Dominion Valley, but the house we want is over the limit."
We price a jumbo against a larger down payment so you can compare.
Conforming vs jumbo"We have to sell our Bristow townhouse first."
We plan the sale and purchase together so the timing works.
Closing timeline"The house has a well and septic. Is that a problem?"
Not usually. It just needs the right inspections, which we plan for.
Getting a mortgageWhere we lend
Haymarket neighborhoods we finance
Our Haymarket files run from townhouses near the town center to golf homes in Dominion Valley. Searching for a mortgage lender near me in 20169? Our mortgage lender in Haymarket VA team works by phone and secure upload.
- Dominion Valley
- Town of Haymarket
- Evergreen Farm
- Greenhill Crossing
- Madison Crescent
- South Market
- Hopewells Landing
- Broad Run Oaks
- Village Place
Looking closer to Virginia Gateway? See our Gainesville mortgage lender page.
Meeting in person
Haymarket to our Vienna office
Most files close without an office visit. If you want to sit down with a mortgage lender in Haymarket VA, we are straight down I-66. Times below are estimates outside rush hour.
- From the Town of HaymarketI-66 east, Express Lanes to I-495About 40 min
- From Dominion ValleyRoute 15 to I-66 eastAbout 45 min
- From Evergreen FarmRoute 15 to I-66 eastAbout 45 min
- From Greenhill CrossingRoute 55 to I-66 eastAbout 40 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 build-your-own buyers read before choosing a lender.
Find out what you qualify for
Plan the build or the move-up now
Tell us what you own, what you want to build or buy and how you get paid. We will send what you qualify for, free and in writing.
Call (703) 752-1805 to reach a mortgage lender in Haymarket 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
Haymarket buyers ask us
Can I finance land and construction together in Haymarket?
Yes. A construction-to-permanent loan funds the lot, the build and the final mortgage in one loan. A mortgage lender in Haymarket VA like SAI compares several of them.
Do I need a jumbo loan in Haymarket?
Most buyers do not. The typical home, near $820,333, sits under the $1,249,125 limit, but some Dominion Valley and large-lot homes go over it.
Is the Town of Haymarket taxed differently?
Yes. Homes inside town limits pay a town rate on top of the Prince William County rate of $0.865 per $100. Most Haymarket addresses outside the town pay the county rate only.
Are wells and septic systems a problem for a mortgage?
Usually not. Lenders may require water and septic inspections, which we plan into your timeline.
What is the 2026 loan limit in Haymarket?
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 Haymarket buyers work with us by phone and secure upload. You are welcome to visit any weekday from 9 AM to 6 PM.