Manassas, Virginia
Mortgage Lender in Manassas, VA
- FHA from 3.5% down
- Down payment help checked
- Hablamos español
Manassas is one of Northern Virginia's biggest first-time buyer markets, and many of those buyers are Spanish-speaking families ready to stop renting. SAI Mortgage is an independent mortgage lender in Manassas VA that works in Spanish and English and checks every down payment program first.
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
Manassas, from Old Town and Georgetown South to Sudley and Yorkshire, ZIP codes 20109 to 20112
Open in Google Maps- $562KTypical Manassas home
- 7 daysTypical time to pending
- $2,200Average monthly rent
- $1,249,1252026 loan limit
Zillow Home Value Index and Observed Rent Index for Manassas, VA through 30 June 2026. FHFA and HUD 2026 one-unit limit.
Loan programs
Loans that fit how Manassas buys
Most Manassas calls are about getting in the door. A mortgage lender in Manassas VA should show every low-down option and every program that can help.
FHA loans
An FHA loan Manassas VA buyers use starts at 3.5 percent down, with credit rules softer than most banks allow.
About FHA loansFirst-time buyer loans
A first time home buyer Manassas file can start at 3 percent down, 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 mortgagesSelf-employed loans
Contractors, cleaners and landscapers can qualify on 12 to 24 months of bank deposits.
About bank statement loansVA loans
Quantico is about 30 minutes south. VA loans need $0 down with full entitlement.
About VA loansDSCR rental loans
Townhouses near the VRE rent well. DSCR loans qualify on the rent.
About DSCR loansWhy us
Your first home, explained in your language
A bank checks one rulebook. As an independent mortgage lender in Manassas 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.
Down payment help, checked first
We look for state and local programs you qualify for before you set a budget.
City or county, taxed correctly
The City of Manassas and county-side Manassas pay different rates. 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 Manassas market
Rent is close to a mortgage
Zillow placed the typical Manassas home near $561,776 in June 2026, up 0.3 percent in a year, with homes going pending in about 7 days. The median sale price was $539,167, and average rent was about $2,200 a month.
Inside city limits, owners pay $1.24 per $100, including a fire levy, and assessments rose about 7.3 percent this year. County-side Manassas pays the county's $0.865 base rate plus levies. A mortgage lender in Manassas VA should know which address you are buying.
Down payment on a $561,776 home
Program minimums before closing costs
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$16,853
- FHA, 3.5%$19,662
- Conventional, 20%, no PMI$112,355
Who we help
Which one sounds like you?
Most calls about Manassas home loans start with one of these four.
"Pagamos $2,200 de renta. ¿Podemos comprar?"
Compare your rent with 3.5 percent down. Many families find the numbers closer than expected.
FHA loan requirements"We have savings, but not 20 percent."
You rarely need it. FHA, 3 percent conventional and state programs start far lower.
Down payment basics"I work for myself and get paid in cash and checks."
Bank deposits can qualify you when they are consistent and documented.
Bank statement loans"Mi esposo tiene ITIN, yo tengo Seguro Social."
Mixed-status families have options. We explain which name goes on which loan.
ITIN mortgagesWhere we lend
Manassas neighborhoods we finance
Our Manassas files run from townhouses in Georgetown South to single-family homes in Yorkshire. Searching for a mortgage lender near me in 20109, 20110, 20111 or 20112? Our mortgage lender in Manassas VA team works by phone and secure upload.
- Old Town Manassas
- Georgetown South
- Wellington
- Sudley
- Yorkshire
- Loch Lomond
- West Gate
- Bull Run
- Liberia Avenue corridor
- Sudley Road corridor
Closer to Manassas Park? See our Manassas Park mortgage lender page.
Meeting in person
Manassas to our Vienna office
Most files close without an office visit. If you want to sit down with a mortgage lender in Manassas VA, we are straight down I-66. Times below are estimates outside rush hour.
- From Old Town ManassasVA-28 north to I-66 eastAbout 35 min
- From YorkshireVA-28 north to I-66 eastAbout 30 min
- From SudleySudley Road to I-66 eastAbout 35 min
- From WellingtonWellington Road 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 first-time buyers read before choosing a lender.
Find out what you qualify for
Compare your rent to a mortgage payment
Manassas homes go pending in about 7 days. Tell us how you get paid and 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 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 buyers ask us
What credit score do I need for an FHA loan in Manassas?
FHA allows 3.5 percent down with a 580 score, and some lenders go lower with more down. A mortgage lender in Manassas VA like SAI shops lenders with different overlays.
Is Manassas a city or part of Prince William County?
Both exist. The City of Manassas is independent, with a $1.24 rate for FY2027. Many Manassas addresses, such as Yorkshire and Sudley, are in Prince William County and pay the county rate.
What is the 2026 loan limit in Manassas?
The 2026 one-unit limit is $1,249,125 for conforming and FHA loans, in both the city and the county.
Can I buy with an ITIN?
Yes. ITIN loans work without a Social Security number, usually with a larger down payment. We explain every step in Spanish or English.
Is there down payment help for Manassas buyers?
Yes. Virginia Housing programs and local assistance can help eligible first-time buyers. We check which ones fit your income and price.
¿Hablan español?
Sí. Our team works in eight languages, including Spanish. The person who speaks with you handles your loan to closing.