Stafford County, Virginia
Mortgage Broker in Stafford County, VA
- $0 down VA near Quantico
- FHA and first-time help
- VRE commuter homes
Stafford is Quantico's backyard and one of Virginia's fastest-growing counties, with family homes that cost far less than Northern Virginia's inner suburbs. SAI Mortgage is an independent mortgage broker in Stafford County VA for Marines, veterans and first-time buyers alike.
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
All of Stafford County, from Aquia Harbour and North Stafford to Embrey Mill, Hartwood and Falmouth
Open in Google Maps- $477KMedian assessed home
- +10%2026 reassessment
- $0.9675Tax rate per $100
- $1,249,1252026 loan limit
Stafford County 2026 reassessment and FY2027 adopted rate, as reported by Potomac Local. FHFA and HUD 2026 one-unit limit.
Where we lend
Stafford communities we finance
From Aquia Harbour waterfront homes to new sections off Route 610, our mortgage broker in Stafford County VA team works by phone and secure upload.
- Aquia Harbour
- North Stafford
- Garrisonville
- Embrey Mill
- Colonial Forge
- England Run
- Stafford Courthouse
- Falmouth
- Hartwood
- Brooke
- Widewater
- Leeland Station
Loan programs
Loans that fit how Stafford buys
Most Stafford buyers wear a uniform, served in one or are buying their first home. Stafford VA home loans should fit all three.
VA loans
A VA loan Stafford Marines use means $0 down with full entitlement and no monthly mortgage insurance.
About VA loansFHA loans
3.5 percent down with flexible credit for family homes and townhouses.
About FHA loansFirst-time buyer loans
Low down payment options plus Virginia Housing programs that can stack on top.
About first-time buyer loansUSDA loans
Some rural parts of western Stafford may qualify for USDA's $0 down loans. We check the address.
About USDA loansNew construction
Embrey Mill and other new sections still sell new homes. We compare the builder's lender with ours.
About construction loansRefinance and cash-out
Veterans can often refinance with VA streamline or cash-out options.
About refinancingWhy us
Orders, first homes and fixed dates, handled
A bank has one VA desk, if any. As an independent mortgage broker in Stafford County VA, we send your file to many VA, FHA and Virginia Housing lenders and bring every offer back in writing.
Closings timed to your orders
Quantico report dates do not move. We schedule around them and count BAH the way lenders allow.
Disabled veterans pay less
A VA funding fee exemption and Virginia's property tax exemption for 100 percent disabled veterans can change your payment.
Virginia Housing, checked first
State programs can help eligible first-time buyers. We check before you set a budget.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Stafford market
Values up, taxes up
Stafford's 2026 reassessment raised residential values about 10 percent and put the median assessed home near $477,100. The county raised its rate to $0.9675 per $100 for FY2027.
For buyers, that is still far less than Fairfax or Arlington, within an hour of both. A mortgage broker in Stafford County VA should put the new tax rate into your payment from the start.
Down payment on a $477,100 home
Program minimums before closing costs
- VA loan, full entitlement$0
- Conventional, first-time buyer, 3%$14,313
- FHA, 3.5%$16,698
- Conventional, 20%, no PMI$95,420
Taxes and closing costs
What Stafford owners pay
Stafford's rate rose this year. These are the pieces of a Stafford payment we plan for.
County real estate rate
Per $100 of assessed value for FY2027, up from $0.9236.
Average bill
Estimated for the average assessed home under the new rate.
Disabled veteran exemption
Virginia exempts a qualifying 100 percent disabled veteran's primary home from real estate tax.
Stafford County FY2027 budget actions as reported by Potomac Local. We confirm the rate for your exact address.
Who we help
Which one sounds like you?
Most calls about Quantico home loans and Stafford moves start with one of these four.
"I have orders to Quantico and want to buy in North Stafford."
Start with your Certificate of Eligibility. We can often order it for you.
Getting your VA COE"I am rated 100 percent disabled."
You may skip the VA funding fee and qualify for Virginia's property tax exemption.
VA vs conventional"We rent in Garrisonville and want our first home."
Compare your rent with 3.5 percent down, plus Virginia Housing help.
Virginia first-time buyer programs"Does BAH count toward my loan?"
Often, yes. Lenders can count it as income with the right documents.
BAH as incomeMeeting in person
Stafford to our Vienna office
Most Stafford files close by phone and secure upload. If you want to sit down with your mortgage broker in Stafford County VA, we are up I-95. Times below are estimates outside rush hour.
- From North StaffordI-95 north to I-495 northAbout 45 min
- From Stafford CourthouseI-95 north to I-495 northAbout 50 min
- From QuanticoI-95 north to I-495 northAbout 45 min
- From Embrey MillVA-610 to I-95 northAbout 50 min
Before you apply
Worth a read first
Guides Stafford buyers read before searching for a mortgage lender near me.
Other locations
Buying outside Stafford?
Your mortgage broker in Stafford County VA team also lends in 13 more counties and cities across Virginia, Maryland and DC. See every one from our locations page.
Find out what you qualify for
Get your number before your report date
Tell us your orders or how you get paid. We will send what you qualify for, with Stafford's new tax rate in the payment, free and in writing.
Call (703) 752-1805 to reach a mortgage broker in Stafford County 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
Stafford buyers ask us
What is the 2026 loan limit in Stafford County?
The 2026 one-unit limit is $1,249,125, the same as the rest of the Washington metro. A mortgage broker in Stafford County VA like SAI can show you what that means for VA, FHA and conventional loans.
What is the Stafford County tax rate?
The FY2027 rate is $0.9675 per $100 of assessed value, up from $0.9236.
Can I buy near Quantico with $0 down?
Yes, if you qualify for a VA loan with full entitlement. We time your closing to your report date.
Is any of Stafford eligible for USDA loans?
Some rural addresses may be. Eligibility is set by USDA maps, so we check your exact address.
Do disabled veterans pay property tax in Stafford?
Virginia exempts a qualifying 100 percent service-connected disabled veteran's primary home from real estate tax. Confirm with the county.
Do I have to come to your Vienna office?
No. Most Stafford buyers work with us by phone and secure upload.