Manassas Park, Virginia
Mortgage Lender in Manassas Park, VA
- ITIN loans
- Down payment help checked
- Hablamos español
Manassas Park is a small, independent city where many families are buying their first home, and many start without a Social Security number. SAI Mortgage is an independent mortgage lender in Manassas Park VA that handles ITIN, FHA and down payment help, in 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 Spanish
- NMLS179997
Where we lend
The City of Manassas Park, from the VRE station and City Center to Blooms Crossing and Signal Hill
Open in Google Maps- $458,536Average townhouse assessment
- $528,860Average single-family
- $378,257Average condo
- $1,249,1252026 loan limit
City of Manassas Park FY2027 average assessed values, as reported by Potomac Local (May 2026). FHFA and HUD 2026 one-unit limit.
Loan programs
Loans that fit how Manassas Park buys
Townhouses and condos make up much of the market here, and most buyers need a low down payment. A mortgage lender in Manassas Park VA should line up every option and every program.
ITIN loans
An ITIN mortgage Manassas Park families use works without a Social Security number, usually with a larger down payment.
About ITIN mortgagesFHA loans
3.5 percent down with flexible credit, a common start for townhouses near the VRE.
About FHA loansFirst-time buyer loans
We check down payment assistance Virginia programs and local help that can stack on a low down payment loan.
About first-time buyer loansCondo mortgages
Condos need a building approval check. We run it before you offer.
About condo mortgagesSelf-employed loans
Contractors and cleaners can qualify on 12 to 24 months of bank deposits.
About bank statement loansVA loans
Veterans can buy with $0 down with full entitlement.
About VA loansWhy us
Your first home, in your language
A bank checks one rulebook. As an independent mortgage lender in Manassas Park VA, we send your file to many lenders, including those that accept ITIN, cash-heavy and self-employed income.
Spanish from first call to closing
The loan officer who speaks with you in Spanish stays on your file the whole way.
Mixed-status families welcome
One spouse with an ITIN and one with a Social Security number? We explain which options fit.
City taxes in your payment
Manassas Park sets its own rate, higher than the county's. Your estimate includes it.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Manassas Park market
Townhouse prices, city tax bills
The City of Manassas Park put the average townhouse assessment at $458,536 for 2026, single-family homes at $528,860 and condos at $378,257. Residential assessments rose about 3.66 percent.
The city cut its rate by 2 cents to about $1.375 per $100, but the average single-family bill still rose to about $7,272 a year. A mortgage lender in Manassas Park VA should put that tax into your monthly payment from the start.
Down payment on a $458,536 townhouse
Program minimums before closing costs
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$13,756
- FHA, 3.5%$16,049
- ITIN loan, 10% (typical)$45,854
Who we help
Which one sounds like you?
Most calls about Manassas Park home loans start with one of these four.
"No tengo Seguro Social, pero tengo ITIN y trabajo hace años."
ITIN loans can work with your tax returns and work history. Call and ask for Spanish.
ITIN mortgages"We rent near the VRE and want a townhouse."
Compare your rent with 3.5 percent down, including the city tax.
FHA loan requirements"We need help with the down payment."
State and local programs may help. We check before you set a budget.
Virginia first-time buyer programs"I clean houses and get paid in checks and Zelle."
Bank deposits can qualify you when they are consistent and documented.
Bank statement loansWhere we lend
Manassas Park neighborhoods we finance
Our Manassas Park files run from condos near City Center to townhouses in Blooms Crossing. Searching for a mortgage lender near me in Manassas Park? Our mortgage lender in Manassas Park VA team works by phone and secure upload.
- City Center
- Blooms Crossing
- Signal Hill
- Manassas Park VRE area
- Manassas Drive corridor
- Conner Drive area
- Park Center
- Leland Road area
Just across the line? See our Manassas mortgage lender page.
Meeting in person
Manassas Park to our Vienna office
Most files close without an office visit. If you want to sit down with a mortgage lender in Manassas Park VA, we are straight down I-66. Times below are estimates outside rush hour.
- From City CenterVA-28 north to I-66 eastAbout 35 min
- From Blooms CrossingVA-28 north to I-66 eastAbout 35 min
- From Manassas Park VREManassas Drive to VA-28About 35 min
- From Signal HillSignal Hill Road to VA-28About 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 first-time buyers read before choosing a lender.
Find out what you qualify for
Find out what you can buy, ITIN or not
Tell us how you get paid and what ID you have. We will send what you qualify for, free and in writing. Llame y pida español.
Call (703) 752-1805 to reach a mortgage lender in Manassas Park 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
Manassas Park buyers ask us
Can I buy a home in Manassas Park with an ITIN?
Yes. ITIN loans work without a Social Security number, usually with 10 to 20 percent down and two years of tax returns. A mortgage lender in Manassas Park VA like SAI explains every step in Spanish or English.
Is Manassas Park part of Prince William County?
No. Manassas Park is an independent city surrounded by Prince William County. It sets its own tax rate, about $1.375 per $100 for FY2027.
What is the 2026 loan limit in Manassas Park?
The 2026 one-unit limit is $1,249,125 for conforming and FHA loans.
Is there down payment help in Manassas Park?
Virginia Housing programs can help eligible first-time buyers. We check which ones fit your income, price and loan type.
Can I use FHA on a condo?
Only if the building is FHA approved. We check approval before you write an offer.
¿Hablan español?
Sí. Our team works in eight languages, including Spanish. The person who speaks with you handles your loan to closing.