Capitol Hill and Northeast, Washington, DC
Mortgage Lender in Capitol Hill & Northeast DC
- HPAP up to $202,000
- Rowhouse renovation loans
- First-time buyers
Capitol Hill and Northeast DC are rowhouse country, from H Street and Trinidad to Brookland and Eckington. Many homes need work, and many buyers are first-timers who qualify for District help. SAI Mortgage is a DC-licensed mortgage lender in Capitol Hill and Northeast DC that combines the two.
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
Capitol Hill and Northeast DC, from Lincoln Park and H Street to Trinidad, Eckington, Brookland and Brentwood
Open in Google Maps- $409KTypical Brentwood home
- $609KTypical Brookland home
- $202,000Max HPAP help
- $1,249,1252026 loan limit
Zillow Home Value Index by neighborhood through 30 June 2026. DC DHCD HPAP maximum. FHFA 2026 one-unit limit.
Loan programs
Loans that fit how the Hill and Northeast buy
A rowhouse that needs a new kitchen and a first-time buyer on a budget often go together. A mortgage lender in Capitol Hill and Northeast DC should plan the loan, the renovation and the District help at once.
First-time buyer loans
HPAP DC offers eligible first-time buyers up to $202,000 plus closing cost help. We guide you through it.
About first-time buyer loansRenovation loans
A DC rowhouse renovation loan rolls the price and repairs into one mortgage, including FHA 203(k).
About renovation loansFHA loans
3.5 percent down with flexible credit, and it can pair with District assistance.
About FHA loansCondo mortgages
Many Hill and H Street units are condo conversions. We check the building first.
About condo mortgagesVA loans
Navy Yard and Joint Base Anacostia-Bolling families can buy with $0 down with full entitlement.
About VA loansDSCR rental loans
Buying a rowhouse with a basement unit to rent? DSCR loans qualify on the rent.
About DSCR loansWhy us
District help plus a renovation plan
A bank will rarely combine HPAP with a renovation loan. As an independent mortgage lender in Capitol Hill and Northeast DC, we find lenders that will, and put every offer in writing.
HPAP timeline, built in
HPAP has income limits, a lottery and inspections. We plan your contract dates around them.
Rowhouse repairs, budgeted early
We help you get contractor bids before you offer, so repairs are part of your approval.
DC Open Doors, too
DC Open Doors down payment help is not limited to first-time buyers. We check whether it fits.
No credit check to start
We ask how you earn first. We pull credit only when you choose to move forward.
The Capitol Hill & Northeast DC market
Rowhouses at every price
In June 2026, Zillow placed typical values near $408,613 in Brentwood, $546,144 in Edgewood, $608,622 in Brookland and $662,195 in Eckington. Citywide, homes went pending in about 22 days.
Those prices sit well within HPAP's reach for eligible buyers, and older rowhouses often trade below renovated ones. A mortgage lender in Capitol Hill and Northeast DC should price the as-is home and the repairs together.
Typical value by Northeast neighborhood
Zillow Home Value Index, June 2026
- Brentwood$408,613
- Stronghold$433,413
- Edgewood$546,144
- Brookland$608,622
- Eckington$662,195
- DC citywide$579,332
Who we help
Which one sounds like you?
Most calls about first time home buyer DC options on the Hill and in Northeast start with one of these four.
"I rent on H Street and heard HPAP could cover my down payment."
If you meet the income limits, it often can. We walk you through the lottery and counseling.
First-time buyer loans"The Trinidad rowhouse needs everything."
An FHA 203(k) or conventional renovation loan covers the purchase and repairs.
Renovation loans"Can I rent out the basement to help pay the mortgage?"
Often, yes. Some loans can count part of the expected rent.
DSCR and rental income"I work at the Navy Yard and want to walk to work."
VA loans can mean $0 down on a Hill rowhouse or condo.
VA loansWhere we lend
Capitol Hill & Northeast DC neighborhoods we finance
Our files run from Hill rowhouses near Lincoln Park to detached homes in Brookland. Searching for a mortgage lender near me in Northeast or on the Hill? Our mortgage lender in Capitol Hill and Northeast DC team works by phone and secure upload.
- Capitol Hill
- Lincoln Park
- H Street
- Near Northeast
- Trinidad
- Kingman Park
- NoMa
- Eckington
- Edgewood
- Brookland
- Brentwood
- Stronghold
- Michigan Park
- Woodridge
Looking in Dupont or Georgetown? See our Northwest DC mortgage lender page.
Meeting in person
The Hill and Northeast to our Vienna office
Most DC files close by phone and secure upload. If you want to sit down with a mortgage lender in Capitol Hill and Northeast DC, we are about 30 minutes out I-66. Times below are estimates outside rush hour.
- From Eastern MarketI-695 to I-395 and I-66 westAbout 30 min
- From H StreetI-395 to I-66 westAbout 30 min
- From BrooklandNorth Capitol to I-66 westAbout 35 min
- From Union StationRed Line to Silver Line, TysonsAbout 40 min
Other locations
More of Washington, DC
The same team and lenders cover every town in the county. Start with our Washington, DC mortgage broker page for county-wide limits, tax rates and market data.
Before you apply
Worth a read first
What first-time buyers and renovators read before choosing a lender.
Find out what you qualify for
Combine District help with the right loan
Tell us your income and the rowhouse or condo you like. We will check HPAP, DC Open Doors and renovation options, free and in writing.
Call (703) 752-1805 to reach a mortgage lender in Capitol Hill and Northeast 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
Capitol Hill & Northeast DC buyers ask us
Can I use HPAP on Capitol Hill or in Northeast?
Yes, if you meet HPAP's first-time buyer and income rules and the home is in the District. A mortgage lender in Capitol Hill and Northeast DC like SAI plans your contract around HPAP's steps.
Can I combine HPAP with a renovation loan?
Often, yes. HPAP can pair with an FHA 203(k) or similar program. We find lenders that handle both.
What is DC Open Doors?
A DC Housing Finance Agency program offering mortgages and down payment help, with income limits but not limited to first-time buyers.
What is the 2026 loan limit in DC?
The 2026 one-unit limit is $1,249,125 for conforming and FHA loans.
Can I rent out a basement unit?
Often, yes. Some loans count part of the expected rent. Local rental rules also apply.
Is SAI licensed in DC?
Yes. SAI Mortgage, NMLS 179997, is licensed in the District of Columbia, Virginia and Maryland.