Interest Rates are as low as the temperatures... Contact us Today!
Hi my name is Ed Merryman and for going on 15 years I have proudly been serving Maryland Residents with their home financing needs.
It doesn't matter if you are a first time home buyer or an experienced investor we have mortgage products that will meet your needs.
I am a Broker... not a Bank. How does that benefit you? I have the ability to shop at multiple mortgage outlets without having to take all of your needs to one place. That allows me to take advantage of the Markets and the Investors that are willing to give you the lowest possible interest rate on your specific mortgage needs.
We also don't have the overhead of expensive buildings, fancy offices and non productive employees . These savings get passed directly to you by being able to offer you lower interest rates on the exact same products.
WE BEAT THE BANKS EVERY TIME!
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To assist you in making better choices about your home financing I post several videos each month about a different topic or term used in the Mortgage Industry.
How Loan Level Pricing Adjustments effect the Mortgage Rates you are offered.
This video is about the monthly savings you could gain by taking a look at your Home Owner's Insurance.
This is a video explaining why Points are being added to Mortgages in the COVID 19 landscape of America.
This is a video about the Primary and Secondary Mortgage Markets and the journey your mortgage takes through each. I hope you enjoy it!
With all the Media hype around interest rates I thought a video about good questions to ask about your specific mortgage scenarios would be helpful.
This video goes over two online websites for Marylanders that assists them with determining their home's value.
How the Federal Reserve's Fund Rate cut to 0% effects Mortgage Interest Rates
This week's video is on how your home's value is determined and the two most commonly used methods to do that.
This Video goes over what the Loan to Value Ratio is in regards to mortgages and the various LTV Limits in the FHA, VA, USDA and Conventional Mortgage Programs are.
This Video recaps the three weeks of information on your Credit History and Fico Score in relationship to getting the best mortgage interest rate.
This video reviews the most common ways Title to a Property can be held in Non Commercial Residential Scenarios. I hope you enjoy it!
In this Video we go over how to build up your Credit History and how your Fico Score is actually calculated so that when it's "Mortgage Time" you are ready! It's worth the time... take a look.
In this video I go over the three major components of what makes up your Credit History and how to raise your FICO Score.
This video goes over Conventional, FHA, VA and USDA minimum FICO score requirements for a Mortgage or Home Loan.
Check out this great video on the new benefits to Veterans and their mortgages as part of the Blue Water Navy Vietnam Veterans Act of 2019. These benefits just went into effect on 1-1-2020.
If this interest you please hit the "Contact Us" tab and we will get back to you. Thanks...
The 3 Major Benefits of a VA Mortgage...
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