Seven ways to finance your home. Find the one that fits you.
Buying a home is a big decision. Your mortgage should fit your budget, your goals, and your life—not just what one bank happens to offer.
We compare seven home loan options across 100+ lenders to help you understand your choices, compare competitive offers, and move forward with confidence.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
Why the same file gets different answers
This is the part almost nobody explains, and it is the whole reason shopping a mortgage loan is worth ten minutes of your time.
| What Is Stopping You | The Program For It | |
|---|---|---|
| Your credit took a knock | FHA prices credit far less harshly | FHA |
| Strong credit, decent savings | Usually the cheapest route long term | Conventional |
| You served, or serve now | No monthly mortgage insurance, ever | VA |
| Buying outside a city | Covers more of VA, NC and MD than people think | USDA |
| Above the county limit | For Bethesda, Loudoun, Fairfax and DC | Jumbo |
| No Social Security number | An ITIN is enough. We build on alternative credit | ITIN |
| The savings, not the payment | Five states, and some help never needs repaying | Down payment help |
What each program is actually for
Conventional
Best value when your credit is strong. The mortgage insurance eventually comes off.
FHA
Built for credit that is not spotless, and stretches further on existing debts.
Conventional 97 loans
A Conventional 97% loan lets eligible buyers purchase a home with as little as 3% down, making homeownership more accessible.
USDA
Not just farms. Eligibility is set by the address, so check before you fall for a house.
Jumbo
Above your county ceiling. Guidelines vary wildly by lender, so shopping matters most here.
ITIN
You do not need a Social Security number to own a home. Almost no bank offers this.
Down payment help
Sits on top of another loan. Some of it is a grant. Many lenders will not run these.
Second home loans
A Second Home Loan helps qualified buyers finance a vacation or second residence with flexible conventional financing options.
FHA 203k renovation loans
An FHA 203(k) loan combines home financing and renovation costs into one convenient loan.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
Three steps, most of it today
Tell us how you get paid
Income, debts, savings and what you want to buy. No credit pull yet.
We shop it
Your file goes to the lenders whose rules fit it. Options come back in writing.
You choose, we close
One loan officer takes it through underwriting to your closing date.
Nadeem Bhatti
Where we buy homes with people
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What buyers ask first
Which loan should I choose?
It depends on your credit, your savings, how your income is proved and the property itself. Change one and the answer changes. We price the ones you qualify for side by side.
How much do I need saved?
Less than most renters assume, and for eligible veterans and rural buyers possibly nothing. A loan officer gives you your number on the first call.
Can I buy if I am self-employed?
Yes. We can use bank deposits, a P&L from your accountant, or your assets instead of tax returns.
Will this hurt my credit?
Not to start. The first conversation involves no credit pull at all.
How long does it take?
Pre-approval is usually same day. Most purchases close in 30 to 45 days.
Find out which one fits you
Tell us how you get paid. We shop it and send your options back in writing, free.