VA Loans · Maryland · NMLS #203247
You Served. Now Use Your VA Benefit.
Buy or refinance a home in Maryland with $0 down and no PMI. George N. Matthews, CPA is a VA-approved loan officer who understands both the mortgage and the tax side of your benefit.
$0
Down Payment Required
0%
Private Mortgage Insurance
20+
Years Helping MD Veterans
94
Five-Star Reviews
Your VA Benefit
Why VA Loans Are the Best Mortgage in America
No other loan program offers zero down payment, no PMI, and competitive rates in one package. Here is what your service earned you.
$0 Down Payment
Eligible veterans can purchase a home with no down payment — one of the only loan programs that allows this without PMI.
No Private Mortgage Insurance
VA loans carry no monthly PMI, which can save Maryland veterans hundreds of dollars every month compared to a conventional loan.
Competitive Interest Rates
VA-backed loans typically carry lower rates than conventional mortgages for borrowers with comparable credit — saving you money over the life of the loan.
Flexible Credit Requirements
The VA does not set a minimum credit score. Most lenders, including Ritter Mortgage, work with scores as low as 580 for qualified veterans.
Funding Fee Waiver
Veterans with a service-connected disability rating of 10% or higher pay no VA funding fee — saving up to $16,000 on a $550,000 loan.
VA Streamline Refinance (IRRRL)
Already have a VA loan? The Interest Rate Reduction Refinance Loan lets you lower your rate with minimal paperwork and no appraisal in most cases.
Who Qualifies
VA Loan Eligibility in Maryland
You may be eligible for a VA loan if you fall into any of the categories below. Not sure? George can pull your Certificate of Eligibility directly — no paperwork chase required.
Check My Eligibility — Free- Active-duty service members with 90+ continuous days
- Veterans discharged under other-than-dishonorable conditions
- National Guard / Reserve members with 6+ years of service
- National Guard / Reserve members with 90+ days of active-duty deployment
- Surviving spouses of service members who died in the line of duty
- Surviving spouses of veterans with service-connected disabilities
Your Loan Officer
George N. Matthews, CPA
NMLS #203247 · Ritter Mortgage · Annapolis, MD
Most loan officers know mortgages. George knows mortgages and taxes. As a licensed CPA, he spots things other loan officers miss — like the VA funding fee waiver for disabled veterans, or how to structure your purchase to maximize your tax benefit. He has been helping Maryland families buy and refinance homes for over 20 years.
Veteran Reviews
Maryland Veterans Who Used Their VA Benefit
"I served 12 years in the Navy and had no idea how powerful my VA benefit was. George walked me through every detail, got me a great rate, and we closed in 28 days. I couldn't have asked for a better experience."
Lt. Cmdr. David H. (Ret.)
Annapolis, MD
"As a disabled veteran, I qualified for the funding fee waiver — George caught that immediately and saved me over $12,000. His CPA background means he sees things other loan officers miss."
Sgt. Marcus W. (Ret.)
Bowie, MD
"We used our VA benefit to buy our first home in Severna Park with zero down. George made the whole process feel simple. He answered every question, even on weekends."
Cpl. Jennifer & Tom R.
Severna Park, MD
Common VA Loan Questions
Free · No Obligation
Get Your Free VA Loan Consultation
In 20 minutes, George will review your eligibility, run the numbers on your VA benefit, and tell you exactly what you qualify for — with no pressure and no obligation.
- Confirm your VA eligibility and entitlement
- Estimate your purchasing power with $0 down
- Check for the funding fee waiver (disability rating)
- Compare VA vs. conventional for your situation
- Get pre-approved and ready to make offers
George N. Matthews, CPA · NMLS #203247 · Ritter Mortgage · 306 State Street, Annapolis MD 21403 · 410-599-9700 · Licensed in MD, VA, DE, DC, CA, CO, FL, MI, PA, SC & WV
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