Washington, District of Columbia
Mortgage Broker in Washington, DC
- Licensed in DC
- HPAP up to $202,000
- Condos and co-ops checked
DC buyers range from federal workers buying a first condo to families moving up to a Northwest rowhouse. The District also runs one of the country's largest down payment programs. SAI Mortgage is a DC-licensed mortgage broker in Washington DC that handles all of it, 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 and Hindi
- NMLS179997
Where we lend
All eight wards of Washington, DC, from Georgetown and Chevy Chase DC to Capitol Hill, Brookland and Congress Heights
Open in Google Maps- $579KTypical DC home
- $673KMedian sale price
- 22 daysTypical time to pending
- $202,000Max HPAP help
Zillow Home Value Index and market data through 30 June 2026. DC DHCD Home Purchase Assistance Program maximums.
Where we lend
DC areas we cover in depth
Our DC area pages cover local prices, neighborhoods and the loans buyers use most. Our mortgage broker in Washington DC team also lends in every other ward.
Loan programs
Loans that fit how DC buys
Condos, co-ops, rowhouses and federal pay make DC different. DC home loans have to handle all four.
First-time buyer loans
HPAP DC can provide up to $202,000 for eligible first-time buyers. We help you through the process.
About first-time buyer loansCondo mortgages
A DC condo loan starts with the building's approval, budget and dues. We check them first.
About condo mortgagesJumbo loans
Georgetown, Kalorama and upper Northwest often pass $1,249,125. We compare jumbo options.
About jumbo loansRenovation loans
DC rowhouses often need work. Buy and renovate with one loan.
About renovation loansVA loans
Service members at Joint Base Anacostia-Bolling and the Navy Yard can buy with $0 down with full entitlement.
About VA loansForeign national and visa holders
Embassy staff, World Bank and IMF employees and visa holders can often qualify.
About foreign national loansWhy us
The District has its own rules. We know them.
A bank checks one rulebook. As a DC-licensed mortgage broker in Washington DC, we send your file to lenders that handle HPAP, co-ops and non-warrantable condos, and bring every offer back in writing.
HPAP, done right
HPAP has income limits, a lottery and inspections. We work with approved counselors and build its timeline into your offer.
Co-ops and condos, underwritten early
Many DC buildings are co-ops or condos with special rules. We check them before you fall for a unit.
Federal and international pay, read correctly
GS steps, embassy contracts and G-4 visas are documented differently. We know what lenders want.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The DC market
Slower sales, a wide price range
Zillow placed the typical DC home near $579,332 in June 2026, down 2.3 percent in a year, with homes going pending in about 22 days. The median sale price was $673,000, and average rent was about $2,532.
The range is wide: Congress Heights near $328,112, Dupont Circle condos near $446,240 and Kalorama near $1,389,010. A mortgage broker in Washington DC should match the loan to the building and the block.
Typical value by DC neighborhood
Zillow Home Value Index, June 2026
- Congress Heights$328,112
- Dupont Circle$446,240
- Brookland$608,622
- Shaw$776,568
- Bloomingdale$806,681
- Kalorama$1,389,010
Taxes and closing costs
What changes in the District
DC has its own programs, taxes and building types. Here is what we plan for.
HPAP
Up to $202,000 in down payment help plus up to $4,000 for closing costs, for eligible first-time buyers up to 110 percent of area median income.
DC employee help
District government employees may qualify for a deferred loan up to $20,000 plus up to $5,000 in matching funds.
Transfer and recordation taxes
DC charges these at closing, with a reduced rate for eligible first-time buyers. We build them into your cash to close.
DC DHCD and DCHFA program documents. Amounts and eligibility change; we confirm current terms on your file.
Who we help
Which one sounds like you?
Most calls about DC home loans start with one of these four.
"I am a first-time buyer. Can HPAP really cover my down payment?"
Often, if you meet the income limits. We walk you through the process and lottery.
First-time buyer loans"The Dupont unit I love is a co-op."
Fewer lenders finance co-ops. We know which ones do and what they need.
Condo and co-op loans"I work at the World Bank on a G-4 visa."
Some lenders finance G-4 holders. We check your documents first.
Foreign national loans"We want a Capitol Hill rowhouse that needs work."
A renovation loan covers the purchase and the work in one mortgage.
Renovation loansMeeting in person
DC to our Vienna office
Most DC files close by phone and secure upload. If you want to sit down with your mortgage broker in Washington DC, we are about 25 minutes out I-66. Times below are estimates outside rush hour.
- From DowntownI-66 west to VA-7, TysonsAbout 25 min
- From GeorgetownKey Bridge to I-66 westAbout 20 min
- From Capitol HillI-395 to I-66 westAbout 30 min
- From Metro CenterSilver Line to TysonsAbout 35 min
Before you apply
Worth a read first
Guides DC buyers read before searching for a mortgage lender near me.
Other locations
Buying outside the District?
Your mortgage broker in Washington DC 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
Find out what the District will help with
Tell us your income, your job and the building or block you like. We will check HPAP and every loan that fits, free and in writing.
Call (703) 752-1805 to reach a mortgage broker in Washington DC 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
DC buyers ask us
Is SAI Mortgage licensed in DC?
Yes. SAI Mortgage, NMLS 179997, is licensed in the District of Columbia, Virginia and Maryland. As a mortgage broker in Washington DC, we work your file by phone and secure upload from our Vienna office.
What is HPAP?
The Home Purchase Assistance Program offers eligible first-time DC buyers up to $202,000 in down payment help and up to $4,000 in closing cost help, as a deferred loan. Income limits apply, and applications go through approved counseling organizations.
What is the 2026 loan limit in DC?
The 2026 one-unit limit is $1,249,125 for conforming and FHA loans.
Can I finance a DC co-op?
Yes, with lenders that finance co-ops. Fewer lenders do, and building approval matters. We check early.
Can embassy or international organization staff get a mortgage?
Often, yes. Some lenders accept G-4 and similar visas with the right employment documents.
Do first-time DC buyers pay less at closing?
Eligible first-time buyers may qualify for a reduced recordation tax rate. We include it when it applies.