Woodbridge, Virginia
Mortgage Lender in Woodbridge, VA
- $0 down VA near Quantico
- FHA from 3.5% down
- Hablamos español
Woodbridge buyers include Marines on orders, federal commuters on the VRE and families renting near Potomac Mills. SAI Mortgage is an independent mortgage lender in Woodbridge VA that shops many lenders with one application, in eight languages.
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
Woodbridge, from the Occoquan River to Potomac Shores, and all of Prince William County
Open in Google Maps- $504KTypical Woodbridge home
- 11 daysTypical time to pending
- $1,249,1252026 county loan limit
- $0.865Tax rate per $100
Zillow Home Value Index through 31 July 2026. FHFA and HUD 2026 one-unit limit for Prince William County. County FY2027 base rate, before levies.
Loan programs
Loans that fit how Woodbridge buys
A Lake Ridge townhouse, a Potomac Shores single family and a Marumsco condo each need a different loan. One mortgage lender in Woodbridge VA can compare all of them for you.
VA loans
Quantico and Fort Belvoir are both a short drive. A VA loan Woodbridge service members use means $0 down and no monthly mortgage insurance.
About VA loansFHA loans
An FHA loan Woodbridge buyers choose starts at 3.5 percent down, with credit rules softer than most banks allow.
About FHA loansFirst-time buyer loans
Low down payment options for a first time home buyer Woodbridge file, plus help checking which state programs stack on top.
About first-time buyer loansSelf-employed loans
Contractors, cleaners and truck owners along Route 1 can qualify on 12 to 24 months of bank deposits instead of tax returns.
About bank statement loansITIN loans
No Social Security number yet? You can still buy with an ITIN. We explain every step in Spanish or English.
About ITIN mortgagesDSCR and rental loans
Buying a townhouse near the VRE to rent out? DSCR loans qualify on the rent the home earns.
About DSCR loansWhy us
A bank has one rulebook. We bring many.
A bank can only offer its own loans. As an independent mortgage lender in Woodbridge VA, we send one file to many lenders and bring every offer back to you in writing.
We close around PCS orders
Report dates at Quantico do not move. We set the closing date to your orders and count BAH the way lenders allow.
Your language, your loan officer
Spanish, Urdu, Punjabi, Hindi, Bangla, Farsi, Arabic and English. The person who speaks with you handles your file.
Five ways to prove income
Tax returns, an employer letter, bank deposits, a CPA profit and loss statement, or the rent itself. If one does not work, we try the next.
No credit check to start
The first call is about how you get paid. We pull credit only when you decide to move forward.
The Woodbridge market
Fast offers, mid-range prices, high limits
Zillow placed the typical Woodbridge home near $504,489 in July 2026, up 0.4 percent in a year, with homes going pending in about 11 days. Redfin reported a $460K median sale price in the three months through May.
Prince William County carries a 2026 one-unit limit of $1,249,125 for both conforming and FHA loans. Most buyers here stay far under it, so the real question is the down payment. A mortgage lender in Woodbridge VA should show you every option before you write an offer.
Down payment on a $504,489 home
Program minimums before closing costs
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$15,135
- FHA, 3.5%$17,657
- Conventional, 20%, no PMI$100,898
Who we help
Which one sounds like you?
Most calls to our team about Woodbridge home loans start with one of these four.
"I report to Quantico next month and want to buy, not rent."
Start with your Certificate of Eligibility. We can often order it for you.
Getting your VA COE"We rent near Potomac Mills and every renewal costs more."
Compare your rent to a 3.5 percent down payment. Many families find the numbers closer than expected.
FHA loan requirements"I run my own crew and my tax return shows almost nothing."
Your deposits tell the real story. We qualify you on what goes into the account.
Bank statement loans"Todavía no tengo número de Seguro Social."
An ITIN loan can work. Call and ask for Spanish; the same person stays on your file to closing.
ITIN mortgagesWhere we lend
Woodbridge neighborhoods we finance
Our Woodbridge files run from waterfront condos in Belmont Bay to single-family homes in Lake Ridge. Searching for a mortgage lender near me in 22191 or 22192? Our mortgage lender in Woodbridge VA team works by phone and secure upload, so you never need to drive to Vienna.
- Lake Ridge
- Occoquan
- Belmont Bay
- Potomac Shores
- Rippon Landing
- Marumsco
- Featherstone
- Neabsco
- River Oaks
- Potomac Club
- Old Bridge
- Woodbridge Estates
Close to Dale City? See our Dale City mortgage lender page.
Meeting in person
Woodbridge to our Vienna office
Most files close without an office visit. If you want to sit down with us, a mortgage lender in Woodbridge VA is one I-95 drive away. Times below are estimates outside rush hour.
- From Potomac MillsI-95 north to I-495 north, Tysons exitAbout 35 min
- From Lake RidgeVA-123 north to I-495 northAbout 35 min
- From OccoquanI-95 north to I-495 northAbout 35 min
- From Potomac ShoresI-95 north, Express Lanes to I-495About 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 and market data.
Before you apply
Worth a read first
What buyers read before choosing a lender for their Woodbridge home loans.
- Does BAH count as income?For Quantico and Belvoir buyers
- FHA credit score in VirginiaWhat lenders look for
- Virginia first-time buyer programsHelp that can stack with your loan
- Mortgage preapprovalBe ready before homes go pending
- How much is PMI?What low down payment costs
- Detailed payment calculatorAdd county taxes and insurance
Find out what you qualify for
Know your number before the next open house
Woodbridge homes go pending in about 11 days. Tell us 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 Woodbridge 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
Woodbridge buyers ask us
What is the 2026 loan limit in Woodbridge, VA?
Woodbridge is in Prince William County, where the 2026 one-unit limit is $1,249,125 for conforming and FHA loans. VA borrowers with full entitlement have no VA loan limit.
Can I buy near Quantico with $0 down?
Yes, if you qualify for a VA loan. A mortgage lender in Woodbridge VA like SAI can time your closing to your report date. Read how VA compares with conventional.
Is there help for a first time home buyer in Woodbridge?
Yes. A first time home buyer Woodbridge file can start at 3.5 percent down with FHA, or 3 percent on some conventional programs. We check which Virginia assistance programs can add to that.
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. We factor that into your payment when it applies. Confirm eligibility with the county.
Do you speak Spanish?
Yes. Our team works in eight languages, including Spanish, Urdu and Punjabi. The person who speaks with you handles your loan to closing.
Do I have to come to your Vienna office?
No. Most Woodbridge buyers work with us by phone and secure document upload. You are welcome to visit any weekday from 9 AM to 6 PM.