A bank can only offer its own loans. As a broker, we compare wholesale lenders on your behalf to find the rate, program and closing costs that fit your situation, with one local team from application to closing.
The online application takes about 10 minutes.
We work with every major program so the loan fits you, instead of fitting you to the one loan a single lender sells.
Flexible credit guidelines and down payments as low as 3.5% for qualified buyers.
Check my options › Veterans & militaryNo down payment and no monthly mortgage insurance for eligible veterans and service members.
Check my options › Zero downNo down payment financing for eligible homes in qualifying areas of Maryland and Virginia.
Check my options › ConventionalA payment that never changes. Choose 30 years for a lower payment or 15 years to build equity faster.
Check my options › Higher price pointsFinancing above conforming loan limits for higher-priced homes across the DMV.
Check my options › Buy + fixRoll the purchase and the repairs into one loan with FHA 203(k) and conventional renovation options.
Check my options › Age 62+Turn home equity into income or a line of credit with no required monthly mortgage payment. Taxes, insurance and upkeep still apply.
Check my options › Short-term plansA lower starting rate for buyers who plan to sell or refinance within a few years.
Check my options › Investors & businessFinancing for investment properties and commercial real estate for investors and business owners.
Check my options ›Our secure application saves as you go. Prefer to talk it through? Call and we'll fill it out with you.
We compare programs, rates and fees across our lender partners and walk you through the options in plain numbers.
One team handles underwriting, conditions and your closing date, and keeps you and your agent updated the whole way.
| Single bank | Mortgage Experts | |
|---|---|---|
| Lenders compared | One: its own | Multiple wholesale lenders |
| Programs | What that bank offers | FHA, VA, USDA, Conventional, Jumbo and more |
| If you're declined | Start over somewhere else | We can often move your file to a lender that fits |
| Who you talk to | A call center or rotating staff | A local team in Upper Marlboro |
Maryland, DC and many counties offer down payment and closing cost assistance for eligible buyers. We'll tell you which programs you qualify for and pair them with the right first mortgage.
No generic program. We review your full credit report with you and map out exactly which accounts to pay, which to leave alone and how to protect your score, so you buy the home the right way and close without surprises in underwriting.
Get My Credit Plan"Marcus and his team worked really hard to get me through the final underwriting to close on my home. The overall process had me stressed but Marcus assured me the home was mine and he worked profoundly to make sure it happened. Mortgage Experts stayed professional, worked quickly, and communicated with me throughout the entire process."
"Marcus and Tabby were truly outstanding in allowing me and my family to experience home ownership yet again! This is my second home purchase with Mortgage Experts. When I didn't think I could qualify due to credit concerns, they worked their magic."
"I wanted to personally thank Marcus and his team for the effort, dedication, and professionalism throughout the process of securing my home loan. The team's attention to detail and prompt responses were much appreciated. I couldn't have asked for a better team."
"Your agents were always available to answer any questions we had. They were always thorough with any information we needed, as they directed us to the proper channels to make our process smooth."
"I've worked with Marcus Eligan on numerous occasions and his professionalism, experience, and willingness to go the extra mile to obtain the best results is remarkable."
Your review helps the next family in the DMV find a team they can trust.
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Upper Marlboro, MDMortgage Experts was co-founded by Marcus Eligan (NMLS #189199), with Branch Manager Steve Twyman (NMLS #200725). Our team of licensed loan officers serves buyers, homeowners and investors across Maryland, Virginia and DC from our Upper Marlboro office.
Idle home equity, the tax trap in your 401k, and how the two connect. Our sister firm Money Experts builds the full picture.
Start your application online in about 10 minutes, or call the office and talk to a loan officer today.