Real Estate Financing Annapolis

Brad Hewick with FitzGerald Financial Group

Real Estate Financing Annapolis

Address
180 Admiral Cochrane Dr
Place
Annapolis, MD   21401-7300 
Landline
(301) 821-0879
Website
fitzgeraldfinancial.net
Reservations
outlook.office365.com

Description

I am an honest and upfront mortgage lender who prides myself in providing the best customer service in the industry. As a local lender, I have the in-depth knowledge needed to help you find the loan product that best fits you and your personal situation. I strive to make myself available at my client’s convenience, and I strive to keep a positive and energetic attitude at all times to create an enjoyable home financing experience. My goal is to make the mortgage process simple and straightforward for all of my clients—whether it’s their first or fifth time buying a home. I specialize in FHA and conventional loans, as well as grant programs for first-time homebuyers.

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  • Build or Renovate Your Home with Our Flexible Loan Options

    Ready to build or renovate? We offer flexible loan options to help you create your dream home — whether you're purchasing land or upgrading your current space. Finance new construction or major renovations Fixed-rate and adjustable-rate options One-time or two-time closing available for added flexibility Conventional and jumbo loan programs supported Let our specialists guide you through the process and help you choose the best option for your goals.

  • Conventional Home Loans - For Almost Any Buyer Conventional

    Whether you're buying your first home, a second property, or expanding your investment portfolio, we’re here to make the mortgage process simple and stress-free. Our Conventional Loans offer flexible solutions for a wide range of borrowers. Up to 97% financing available Stable monthly payments with fixed-rate options Clear, easy-to-understand loan terms Competitive interest rates Available for purchase or refinance on primary, secondary, and investment homes

  • FHA Loans for First-Time Home Buyers

    FHA loans are backed by the Federal Housing Authority and designed to make homeownership more accessible. They’re ideal for first-time buyers or those with limited savings for a down payment or closing costs. Down payments as low as 3.5% Available to borrowers with less-than-perfect credit Seller-paid closing costs allowed Backed by the Federal Housing Authority Fixed-rate and adjustable-rate options available (ARM payments may increase after consummation) Let us help you explore whether an FHA loan is the right fit for your homebuying journey.

  • Jumbo Loans for Buyers Who Borrow Above Conforming Limit

    Looking to purchase a luxury home that exceeds standard loan limits? Our jumbo loans offer competitive rates and flexible options for high-value properties. Designed for homes above conventional loan limits Loan amounts from $726,200 to $1,089,300+ depending on your area Available for primary and secondary residences Competitive interest rates tailored for larger purchases Let us help you secure the right financing for your next high-end home.

  • Pennsylvania Housing Finance Agency (PHFA) Loan Programs

    PHFA offers affordable homeownership options for elderly, low- and moderate-income families, and individuals with special housing needs in Pennsylvania. Sales limits apply. Keystone Home Loan: Affordable first mortgage financing for eligible first-time buyers. Can pair with K-FIT. Keystone Flex with K-FIT: Affordable first mortgage financing for eligible buyers. No first-time buyer requirement. Keystone Flex-Purchase & Improvement: Up to $30,000 for eligible repairs and improvements. Can pair with K-FIT. K-FIT: Down payment & closing cost assistance as a forgivable second lien (5% of purchase price or appraised value). No interest or payments. Keystone Flex: Affordable refinancing option for eligible borrowers.

  • Refinance Home Loans

    Refinancing your mortgage can be a smart way to improve your financial outlook. Whether you're looking to lower monthly payments or tap into your home’s equity, we’re here to make the process simple and stress-free. Lower your monthly mortgage payments Eliminate private mortgage insurance (PMI) Pay off your loan faster Access cash for tuition, renovations, or investments Let our loan officers help you decide if refinancing is the right move for your goals. Get started today.

  • USDA Loans for Buyers Purchasing in Rural / Suburban Areas

    Looking for space of your own in a rural or suburban community? USDA-backed loans offer an affordable path to homeownership with minimal upfront costs for qualified buyers. Zero down payment required Up to 101% financing available Designed for moderate-income families Ideal for single-family homes in eligible rural or suburban areas Let us help you explore whether a USDA loan is the right fit for your next home.

  • VA Loans for Military Active Duty, Reservists and Veterans

    VA loans offer eligible service members a powerful path to homeownership with minimal upfront costs. Whether you're active duty, a reservist, or a veteran, you may qualify for flexible benefits and multiple loan opportunities. Zero down payment required No monthly mortgage insurance Eligible for multiple VA loans (based on entitlement) Available for active duty, reservists, and veterans Contact us today to explore your VA loan options and take the next step toward homeownership.

  • VH Down Payment Assistance Grant for First-Time Homebuyers

    Need help covering your down payment? TowneBank Mortgage partners with Virginia Housing to offer eligible first-time homebuyers a grant that makes homeownership more affordable. Grant covers 2–2.5% of the home’s purchase price No repayment required Must be a first-time Virginia homebuyer (no home ownership in past 3 years) Minimum 1% borrower contribution required Credit score of 620+ and income/purchase price limits apply Can be combined with other qualifying grant programs Find out if you qualify and take the next step toward owning your home.

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Real Estate Financing
(301)821-0879 (301)-821-0879 +13018210879