Northwest, Washington, DC
Mortgage Lender in Northwest DC
- Condos and co-ops
- Federal and cleared buyers
- Jumbo above $1,249,125
Northwest DC runs from Dupont Circle studios to Kalorama rowhouses and Chevy Chase DC single-family homes. Many buyers are federal employees, cleared contractors or international staff. SAI Mortgage is a DC-licensed mortgage lender in Northwest DC that underwrites the building as carefully as the borrower.
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 Farsi and Hindi
- NMLS179997
Where we lend
Northwest DC, from Dupont, Logan and Shaw to Georgetown, Cleveland Park, Tenleytown and Chevy Chase DC
Open in Google Maps- $446KTypical Dupont Circle home
- $777KTypical Shaw home
- $1.39MTypical Kalorama home
- $1,249,1252026 loan limit
Zillow Home Value Index by neighborhood through 30 June 2026. FHFA 2026 one-unit limit.
Loan programs
Loans that fit how Northwest buys
A Dupont co-op, a Logan Circle condo and a Cleveland Park house need three different lenders. A mortgage lender in Northwest DC should know all three.
Condo mortgages
A Northwest DC condo loan starts with the building's approval, reserves and dues. We check them first.
About condo mortgagesCo-op financing
A DC co-op loan needs a lender that finances co-ops and a board that approves you. We plan for both.
Condo and co-op loansJumbo loans
A jumbo loan DC buyers need starts above $1,249,125, common in Georgetown, Kalorama and Spring Valley.
About jumbo loansFirst-time buyer loans
HPAP can provide up to $202,000 for eligible first-time buyers. We help you through it.
About first-time buyer loansForeign national and visa holders
Embassy, World Bank and IMF staff can often qualify with the right lender.
About foreign national loansRenovation loans
Older rowhouses often need work. Buy and renovate with one loan.
About renovation loansWhy us
We underwrite the building before the buyer
A bank has one condo policy and rarely finances co-ops. As an independent mortgage lender in Northwest DC, we send your file to lenders that do, and show every offer in writing.
Co-op board packages, planned
Co-ops need board approval and specific lender documents. We build that time into your contract.
Federal pay, read correctly
GS steps, locality pay and contractor offers are documented differently. We know what lenders want.
International staff welcome
G-4 visas and embassy contracts can qualify with the right lender.
Twenty minutes away
Georgetown to our Vienna office is about 20 minutes across the Key Bridge.
The Northwest DC market
Condo prices to jumbo rowhouses
In June 2026, Zillow placed typical values near $446,240 in Dupont Circle, $599,439 in Columbia Heights, $776,568 in Shaw and $1,389,010 in Kalorama. Citywide, homes went pending in about 22 days.
That spread means the loan changes block by block: condo and co-op loans in the core, jumbos in the rowhouse and single-family neighborhoods. A mortgage lender in Northwest DC should match the loan to the building type first.
Typical value by Northwest neighborhood
Zillow Home Value Index, June 2026
- Dupont Circle$446,240
- Logan Circle$568,594
- Columbia Heights$599,439
- West End$649,662
- Shaw$776,568
- Kalorama$1,389,010
Who we help
Which one sounds like you?
Most calls about Northwest DC homes start with one of these four.
"I found a co-op in Dupont, but my bank will not touch it."
Fewer lenders finance co-ops. We know which ones do and what they need.
Condo and co-op loans"I am a GS-14 and want a two-bedroom in Logan Circle."
We check the building and document your federal pay the way lenders want.
Getting a mortgage"We want a Cleveland Park house, and it is over the limit."
We price a jumbo against a larger down payment so you can compare.
Conforming vs jumbo"I am a first-time buyer and heard about HPAP."
HPAP has income limits and a lottery. We walk you through each step.
First-time buyer loansWhere we lend
Northwest DC neighborhoods we finance
Our Northwest files run from studios in Dupont to houses in Chevy Chase DC. Searching for a mortgage lender near me in Northwest? Our mortgage lender in Northwest DC team works by phone and secure upload.
- Dupont Circle
- Logan Circle
- Shaw
- U Street
- Adams Morgan
- Columbia Heights
- Kalorama
- West End
- Georgetown
- Glover Park
- Cleveland Park
- Woodley Park
- Tenleytown
- Chevy Chase DC
Buying east of the Capitol? See our Capitol Hill and Northeast DC page.
Meeting in person
Northwest DC to our Vienna office
Most DC files close by phone and secure upload. If you want to sit down with a mortgage lender in Northwest DC, we are just across the river. Times below are estimates outside rush hour.
- From GeorgetownKey Bridge to I-66 westAbout 20 min
- From Dupont CircleRoosevelt Bridge to I-66 westAbout 20 min
- From TenleytownChain Bridge to VA-123About 20 min
- From Cleveland ParkChain Bridge to VA-123About 25 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 condo, co-op and move-up buyers read before choosing a lender.
Find out what you qualify for
Send us the building before you send the offer
Tell us which condo, co-op or house you like and how you get paid. We will check the building and send what you qualify for, free and in writing.
Call (703) 752-1805 to reach a mortgage lender in Northwest 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
Northwest DC buyers ask us
Can I finance a co-op in Northwest DC?
Yes, with lenders that finance co-ops. The building and board both need to approve. A mortgage lender in Northwest DC like SAI checks lender and building requirements before you offer.
Do I need a jumbo loan in Northwest?
For many houses in Georgetown, Kalorama, Cleveland Park and Chevy Chase DC, yes. Most condos stay well under the $1,249,125 limit.
Can I use HPAP in Northwest DC?
Yes, if you meet HPAP's first-time buyer and income rules and the home is in the District. Program maximums are up to $202,000 plus closing cost help.
Do condo fees affect how much I can borrow?
Yes. Lenders add monthly dues or co-op fees to your housing payment, so higher fees lower your maximum loan.
Can international organization staff buy in DC?
Often, yes. Some lenders accept G-4 visas with the right employment documents.
Is SAI licensed in DC?
Yes. SAI Mortgage, NMLS 179997, is licensed in the District of Columbia, Virginia and Maryland.