Find the Right Loan for Your Situation

The most popular choice for qualified buyers

Conventional Loans

Conventional loans offer flexible terms and competitive rates for borrowers with solid credit. With down payments as low as 3%, they're ideal for buyers who want to avoid mortgage insurance or have the credit profile to qualify for the best rates.

• Down payments as low as 3%
• Fixed or adjustable rate options
• 15, 20, or 30-year terms
• No upfront mortgage insurance premium
• PMI removable once you reach 20% equity

The smart path for first-time homebuyers

FHA Loans

Backed by the Federal Housing Administration, FHA loans make homeownership accessible with lower credit requirements and down payments as low as 3.5%. They're one of the most popular options for first-time buyers in Maryland.

• Down payments as low as 3.5%
• Credit scores as low as 580 considered
• Flexible debt-to-income guidelines
• Seller can contribute up to 6% toward closing costs
• Available for purchase and refinance

Exclusive benefits for those who served

VA Loans

VA loans are one of the most powerful benefits available to eligible veterans, active-duty service members, and surviving spouses. With no down payment required and no private mortgage insurance, they offer unmatched value.

• No down payment required
• No private mortgage insurance (PMI)
• Competitive interest rates
• Flexible credit requirements
• Available for purchase, refinance, and cash-out

Lower your rate or tap your home's equity

Refinance

Refinancing can reduce your monthly payment, shorten your loan term, or give you access to cash from your home's equity. George will analyze your current loan and find the refinance strategy that makes the most financial sense for you.

• Rate-and-term refinance to lower your payment
• Cash-out refinance for home improvements or debt
• Streamline refinance options for FHA and VA
• No-cost refinance options available
• Expert analysis of break-even timeline

Total finance charges may be higher over the life of the loan.

Financing for high-value Maryland properties

Jumbo Loans

For properties that exceed conventional loan limits, jumbo loans provide the financing you need. George works with multiple lenders to find competitive jumbo rates for luxury homes, waterfront properties, and high-value real estate throughout the Annapolis area.

• Loan amounts above conforming limits
• Competitive rates through multiple lenders
• Fixed and adjustable rate options
• Primary residence, second home, and investment
• Tailored underwriting for complex financial profiles

Flexible solutions for business owners

Self-Employed & Bank Statement Loans

Traditional income documentation doesn't always reflect the true financial strength of self-employed borrowers. George specializes in bank statement loans and alternative documentation programs that help business owners and entrepreneurs qualify based on actual cash flow.

• 12 or 24-month bank statement programs
• No tax returns required for qualification
• Competitive rates for strong credit profiles
• Available for purchase and refinance
• Sole proprietors, LLCs, S-corps welcome