2025

RESIDENTIAL AND COMMERCIAL FINANCING

FHA, Conventional, Home Equity Lines of Credit, Self-Employed Loans, Investor Loans, Rehab, Ground-Up Construction, Commercial, SBA, 0% Down, Verification of Employment ONLY

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Current Home Owners

Whether you are thinking about selling and buying a new home, refinancing for a lower rate, renovating your home, or looking for a home equity loan, let us provide you with estimates so that you can decide which path works best for you.

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Buying Your First Home?

We understand the magnitude of this decision and it is our goal to make your transition into home ownership unforgettable. There are several options including down payments as low as 3% as well as down-payment assistance programs which we can help you explore.

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OUR EXPERTISE

Our Loan Originators are all local to Maryland and provide you with a transparent and highly communicative approach that includes using all forms of technology as well as the old-fashioned phone. We strive to work with everyone at every level of income and to determine how our client's work best. If texting documents is the easiest approach for you, or faxing, or scanning and emailing, we will make sure that we're highly involved in helping make the mortgage process as stress-free as possible.

MORTGAGE TYPES

Maryland First Time Home Buyer Loan

You are considered a first time home buyer in the state of Maryland if you have never owned an interest in residential real property in the state that has been your principal residence.

Maryland Renovation Loan

Baltimore City has some of the most extensive programs available for people who want to buy and live in the area.

Maryland Buy and Live in a 2-4 Unit Investment Property

A property is considered a 2-4 unit structure when several key elements are established. These elements include the property having separate entrances and separate electric meters.

Maryland FHA Refinance to a Lower Rate

Interest rates are determined using the following factors: credit score, equity in your property, and the type of financing you are using.

Buy a home in Maryland with help from a Family Member

A realtor is not required to purchase or sell property in the state of Maryland. If a buyer and seller agree not to use a realtor, there is nothing illegal about doing so.

Maryland FHA Debt Consolidation

FHA loans have already been set for 2020 and in most parts of the country they have indeed increased!

Maryland Reverse Mortgages for Seniors

Use Your Home to Stay at Home that allows you to access a portion of your home equity without having to make monthly mortgage payments.

ABOUT US

Residential Mortgage Lender Providing FHA Loans

We are a residential mortgage lender providing government insured FHA and Conventional rehab and construction loans as well as down payment assistance loans for those who do not have the required funds for a down payment.

Whether you qualify for our 3%, 3.5% or 5% down payment assistance loan, we provide you with the money to overcome the #1 challenge of home buyers, especially first-time home buyers, which is the down payment requirement.

We also offer an FHA backed renovation mortgage to current home owners who do not need any equity in the home to qualify for this type of loan, as well as prospective home buyers who want to renovate their home before moving in.

We also provide FHA loans to seniors with our government insured Reverse Mortgages. If you are already an FHA borrower, we can streamline refinance you into a lower rate OR we can refinance you into a Conventional mortgage to lower or eliminate your monthly mortgage insurance.

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Serving Maryland and
surrounding areas