FHA loans in Maryland
As little as 3.5% down. A big step toward your own home.
Saving for a home? FHA offers low-down-payment options and flexible credit guidelines. Let's talk about your budget, the home you want and your next step.
Subject to FHA and lender requirements. Mortgage insurance is required, and closing costs may apply.
Licensed in Maryland
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Let us guide you
Fill out the form and we will reach out and guide you along the way.
- A conversation focused on your goal, with no pressure
- No documents are needed for this form
Options
Find the path that matches your goal
Every situation is different. These categories can help you identify where you would like to start.
First-time buyers
Explore FHA and conventional options, along with potential assistance programs, as you take your first step toward a home.
ITIN
Some lenders offer programs that accept an ITIN. Let's talk about your goal and the requirements that may apply.
Investors
Explore DSCR and Non-QM options that may consider the property's cash flow, subject to applicable criteria.
VA
Options backed by the Department of Veterans Affairs (VA) may exist for active-duty military members, veterans, National Guard and Reserve members, and eligible surviving spouses. Let's review whether you meet the requirements.
Refinancing
Let's talk about what you want to accomplish and the costs to compare before deciding whether to explore refinancing.
Self-employed borrowers
Some programs allow income to be documented with bank statements or other methods, subject to lender criteria.
*Availability, eligibility and terms depend on the lender, underwriting and applicable documentation. Refinancing may increase the total finance charges over the life of the loan. Nothing on this page guarantees approval, rate, payment, savings, a program or a closing date.
What to expect
You don't have to have it all figured out
That's what the first conversation is for. This is the process of working with me, step by step.
Initial conversation
Ask all your questions and tell me what you're hoping to achieve.
Where you stand today
I'll help you understand your options and the information needed to continue.
You choose your next step
Ready to move forward? Great. Not quite there yet? That's okay — we'll take the next step when it makes sense for you.
Any eligibility or approval depends on the lender and underwriting.
Common questions
Before you begin
How much down payment does an FHA loan need?
HUD describes down payments as low as 3.5% for borrowers who meet FHA requirements. That minimum is not available to every borrower: credit history, income, debts, the property and lender requirements still need review. Eligible gift or assistance funds may help. FHA loans carry upfront and ongoing mortgage insurance premiums, and closing costs may also apply. This is program information, not an approval or an offer of terms.
Can I get an FHA loan with less-than-perfect credit?
FHA standards are generally more flexible than conventional ones, and lenders often accept lower credit scores and higher debt-to-income ratios. Every file is still underwritten, and recent events such as a collection, a late mortgage payment or a bankruptcy have waiting rules that we review before you shop.
Is there a maximum FHA loan amount in Maryland?
Yes. FHA sets a limit for each county every year, and it is higher in the counties near Washington than in the rest of the state. Condominiums also need FHA project approval. I check the current limit for the county you are shopping in and whether the building qualifies before you write an offer.
What do I need to get started?
Just a conversation. Tell me your goal and I'll explain the steps and the information commonly requested for your case.
How much do I need for a down payment?
It depends on the program. Some allow low down payments and, depending on your case and eligibility, assistance programs may exist. We'll review it together.
What credit score do I need?
There's no single number: every program and every lender has its own criteria. Let's talk about your real situation and the options you could explore.
Can I buy using an ITIN?
Some lenders offer programs that accept an ITIN. Tell me your goal and we'll review the requirements that may apply.
How long does the process take?
It varies with your case, your documentation and the lender. I'll explain every step from the start so you can move forward with clarity and no surprises.
Does talking with you cost anything or commit me?
No. The initial conversation is free and doesn't obligate you to anything. Submitting the form is not a loan application or a preapproval.