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PERSONAL CONSULTATION

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 Connect with a loan officer to establish goals and lead you through the process 

LOAN ORIGINATION

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Get a great home loan, with the best possible payment, rates, and terms available.

STREAMLINED PROCESS

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 We work locally, with in-branch processing to create an easy and worry-free experience. 

GOVERNMENT LOAN PROGRAMS (FHA and VA PURCHASE LOANS)

 There are numerous Maryland mortgage programs designed to assist the new home buyer.  See if there are home buying assistance programs available in Maryland for you.  Just ask one of our loan officers 410-301-0942. 

MD FHA HOME LOAN PROGRAMS

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An FHA loan is a mortgage that's insured by the Federal Housing Administration.  The FHA can work with nearly any home, large or small, condo or mansion. TICs? Fixer-uppers? Luxury? We can help with all of it. We always have a current list of available properties for you to check out.  Our FHA loan products will allow you to remodel or upgrade your home while purchasing.  Talk with our loan officers about the FHA 203K and 203B purchase programs which only require a 3.5% down payment.

Maryland VA (Veterans) Home Loan Programs

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A VA loan is a mortgage loan in the United States guaranteed by the United States Department of Veterans Affairs (VA). Veteran or serving? You’re entitled to all the advantages of a VA loan. Refinance up to 100% of your home’s value, or buy a home with no down payment.  You have served our country, now let us give you the service you deserve.

USDA 100% Rural Housing Purchase Programs

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MARYLAND USDA 100% FINANCING PROGRAMS

The Department of Agriculture has determined that many locations through out Maryland are eligible for 100% zero down payment home loans through the USDA.  Maryland Counties include: Anne Arundel County, Allegany County, Garrett County, Frederick County, Dorchester County, Charles County, Cecil County, Carroll County, Caroline County, Calvert County, Kent County, Howard County, Queen Anne's County, Somerset County, St. Mary's County, Talbot County, Washington County, Wicomico County, and Worcester County.  Apply online or call for details to see if you qualify 410-301-0942.

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MARYLAND HOME LOAN REFINANCE MORTGAGE

 If a borrower in Maryland currently has a mortgage or owns a home with no mortgage, they may be able to refinance. Refinancing a Maryland home may allow a borrower to reduce their Maryland mortgage rate, change the loans term and/or cash out to pay off debt.  Even with very little to no equity the homeowner can still utilize the FHA 203K loan to remodel the loan or complete needed repairs.  Call one of our loan officers now to go over your scenario 410-301-0942.

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CONVENTIONAL PURCHASE OR REFINANCE

Conventional Home Loans - 10 year, 15 year, 20 year, 25 year and 30 year terms are available.  We have every product from the Fannie Mae Home organization and all the Freddie Mac Home Programs.  Whether your buying a home or refinancing we have you covered!

Contact Us

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1 Nicodemus Road, Reisterstown, Maryland 21136, United States

michael@my1sthomemd.com 410-301-0942

Hours

Open today

09:00 am – 05:00 pm

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