USDA Loan Officer | 100% financing | MD VA DE

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USDA mortgage
Talk with us about this 100 percent financing program if you are looking to buy or refinance a single family home in a "rural" area. You will be surprised at some of the areas that are eligible. Areas include;
Southern Maryland- Charles, Calvert, Saint Mary's & Anne Arundel counties
Western Maryland- Frederick, Washington, Allegany, Garrett counties
Eastern Maryland- Harford, Cecil, Kent, Queen Anne's, Caroline, Talbot, Dorchester, Wicomico, Somerset & Worcester counties
All of Delaware- New Castle, Kent, Sussex counties
Just about all of Virginia outside 'Northern Virginia'

We will research the address for you in Maryland, Virginia, and Delaware.. make sure you qualify, and check your income eligibility.

Some key features include:
--No PMI. That's right, no private mortgage insurance. This program has a 2% Guaranteed fee that can be financed into the loan the same way VA loans have a Funding Fee.

--6% seller help/contribution is allowed

--No minimum contribution from your own funds. FHA has 3% requirement. There are also no cash reserves required, not the case with your typical conventional loan.

--This program only offers a fixed rate option for your primary, one unit residence. The current maximum loan amount is $417,000.

--There are income limitations to qualify. Contact us and we will help you find a home where you can take advantage of this great 100% financing program.

Mortgage rates | USDA Loan Officer, Brian Mayer




VA financing | 100% financing
The VA does not make home loans, they insure them.  We are VA approved and can help you with your VA loan request. Some VA benefits include:
- No downpayment is required in most cases
- Borrow up to 100% of purchase price
- Lower closing costs
- Mortgage is assumable
- No Private Mortgage Insurance (PMI)
- No penalties if you prepay the loan
- You may be eligible for waiver of VA funding fee
- VA support during temporary financial difficulties

More on 100% VA financing


FHA financing & downpayment help

A seller credit and gift funds are allowed for the entire down payment, closing costs, and pre-paid items. Down payment can come as a gift from a family member, an employer (tip:  convert a raise or bonus into downpayment assistance), or from a nonprofit institution or government grant

More info on FHA and downpayment help



My Community financing | 100% financing
Choice Finance® lends on the Fannie Mae, My Community program.  This program was very popular and put many first time home buyers into their homes.  This program offered 100% financing up to $417,000 loan amount on fixed and adjustable rate products.  What were very flexible qualifying guidelines for income and credit history have now tightened significantly.  Many scenarios are now requiring at least 5% down with My Community

More on the My Community program