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We Provide Maryland Mortgages
Our branch office in the beautiful city of Annapolis is located just 3 miles west of the Naval Academy and Maryland State House. See our location on Google Maps.
We handle a large volume of Maryland mortgage loans, and have a firm understanding of the market, taxes, and processes associated with Maryland mortgages. For example, on cash-out refinance transactions, recordation taxes in Maryland are particularly unique, as each county has its own methods and guidelines for calculation....which is one reason we use a Maryland-based title/settlement company.
But our main strength is not our geographical location, it's how we serve our clients. Our transparency begins by fully disclosing all possible fees, incentives, and commissions. Our clients are never left with that uncomfortable "I wonder how much he's making on me" feeling because we tell you how much we're making. And there will never be any hidden fees, ever. In fact, should there even be an unexpected third-party fee, we will typically pay it for you.
We also seek to earn your trust, not expect it. This begins by serving you as a Mortgage Consultant on your financial options, not a Loan Officer trying to sell you a mortgage product. If you're considering different financing scenarios, we'll advise you based on your requirements and objectives, not ours. If you're thinking about refinancing and we don't see a cost-benefit, we'll tell you. And if we think there's a solution to your situation you may not have considered, we'll suggest it.
Keystone Funding holds several accolades which confirm our position as a trusted mortgage consultant. We are an A-rated business with the Better Business Bureau, a Board member of the Upfront Mortgage Brokers Association (of which our CEO is President), and a certified Trusted Mortgage Professional.
Unique Characteristics of a Maryland Mortgage
Like any state, home loans for Maryland properties have some unique characteristics. For example, on purchase transactions in Maryland, a buyer who has never owned a Maryland property is exempt from the Deed Transfer Tax. This tax is otherwise 0.50% of the sale price, ie $2,000 on a $400,000 home purchase, so quite a significant savings!
On refinance transactions in Maryland, there is an additional recordation tax if the new loan amount exceeds the amount of the loan being paid off. Further, the guidelines for computing this tax differ by county. Lenders not familiar with Maryland can easily fail to disclosure this tax to borrowers at time of application....which is then shockingly realized at settlement.
Experienced Maryland Mortgage Consultants
We prefer to describe our representatives as Mortgage Consultants, rather than Loan Officers, because of the caliber of service they provide. Every one of our mortgage consultants has at least 8-yrs experience in the business, and thus has the knowledge and expertise to answer your hard questions. Further, our mortgage consultants manage your file from start to finish. We do not play the "daisy chain game" where one person takes your application, another person reviews your application, than another person proceeses your application, etc. With Keystone Funding the person you start with is the person you finish with. You can read some of our customer reviews on Zillow at Mortgage Lender Reviews.
Maryland Mortgage Loan Programs
We have a diverse array of Maryland Mortgage Loan Programs. We have the usual conventional, FHA, VA and USDA (RHS) loans, but we also have unique portfolio products for borrowers needing jumbo-size loan amounts, or simply need more flexible terms. We describe a number of these programs on our Purchase Loan Options page, as well as our Refinance Loan Options page.
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