Mortgage Loan Products
Mortgage Solutions for Dagsboro, Millsboro & Sussex County, DE, Salisbury, MD, PA, VA, FL Homebuyers
Loan Programs We Offer:
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0% down and up to 105% combined loan-to-value (CLTV) financing!
NO Down Payment: Start with just 0% from your pocket.
Extra Funds for Closing Costs: Cover upfront expenses with flexible financing options.
No Monthly Mortgage Insurance Premiums: Keep your payments affordable.
Perfect for First-Time Buyers: Designed to help you step into homeownership with ease. ( Nation Wide Financing)
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Buying your first home can feel overwhelming — but it doesn’t have to be. I work closely with first-time buyers throughout Sussex County and the surrounding areas to help them navigate the mortgage process with confidence. With low down payment options and guidance every step of the way, I’ll help you find the right loan program for your goals and budget.
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Whether you're looking for a flexible loan option or you're a qualifying veteran, FHA and VA loans can offer major benefits. FHA loans provide lower credit and down payment requirements, ideal for buyers who need a little extra support. VA loans are available to eligible service members, offering 0% down and no private mortgage insurance. I’ll help you determine which is the best fit and handle the paperwork for a smooth approval.​
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The Debt Service Coverage Ratio (DSCR) mortgage program is designed for real estate investors, focusing on a property’s rental income rather than the borrower’s personal finances. Key benefits include:
• Easier Qualification: Approvals are based on the property’s cash flow, not personal income, eliminating the need for tax returns or employment verification.
• Flexibility for Investors: Ideal for scaling portfolios, with no cap on financed properties, catering to both new and seasoned investors.
• Faster Closings: Streamlined underwriting speeds up the loan process, helping investors seize market opportunities.
• Better Terms: Properties with a DSCR above 1.25 (rental income 25% higher than mortgage payments) may secure lower rates and favorable terms.
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• Direct Buyer Assistance may be used for closing/settlement costs only and may not receive funds back at settlement.
• The household must maintain the home as their primary residence.
• Liquid assets must not exceed $15,000 within 3 months of application.
• Program is not limited to first-time homebuyers.
• From the time of application through settlement, applicants cannot own any real property other than current primary residence that is being sold prior to the purchase of residencial real estate for which applicant is seeking funds under the program.
• Program can be used to purchase single-family homes, duplexes, townhomes, manufactured homes on permanent foundations, modulars, or new construction homes.
• A Home Inspection is required for existing homes and a Certificate of Occupancy (CO) is required for new construction.
• Homebuyer must complete at least 8 hours of pre-purchase homeownership counseling through a HUD-approved agency and receive a completion certificate.
• The household must earn less than 120% AMI.
If you're buying a home in Dagsboro, Frankford, Laurel, or other rural parts of Sussex County, a USDA loan might be a great fit. These government-backed loans offer 100% financing with no down payment for eligible properties. I’ll walk you through the eligibility requirements and help you take advantage of this valuable program.​
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For borrowers with strong credit and stable income, conventional loans offer competitive rates and flexible terms. If you're purchasing a higher-priced home, I also offer jumbo loan options that exceed conforming loan limits — perfect for larger homes or properties along the Delaware and Maryland coast. I’ll help you find the right fit for your financial situation.
Refinancing can help you lower your monthly payment, change your loan term, or tap into your home equity. Whether you're looking to reduce your interest rate or consolidate debt, I’ll help you evaluate your options and handle the process from start to finish — all with personalized, local service.
Not every borrower fits into a traditional loan box. If you’re self-employed, a real estate investor, or have unique income documentation, Non-QM loans may be the solution. These programs include bank statement loans, DSCR loans, and other flexible options. I’ll help you explore alternative financing that meets your needs — without the red tape.​​
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Apply to this Delaware program offering 20K dollars assistance with NO repayment and zero percent interest.
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Direct Buyer Assistance may be used for closing/settlement costs only and may not receive funds back at settlement.
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The household must maintain the home as their primary residence.
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Liquid assets must not exceed $15,000 within 3 months of application receipt by Sussex County.
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Program is not limited to first-time homebuyers.
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From the time of application through settlement, applicants cannot own any real property other than current primary residence that is being sold prior to the purchase of residencial real estate for which applicant is seeking funds under the program.
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Program can be used to purchase single-family homes, duplexes, townhomes, manufactured homes on permanent foundations, modulars, or new construction homes.
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The home must be located in Sussex County, Delaware.
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A Home Inspection is required for existing homes and a Certificate of Occupancy (CO) is required for new construction.
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Homebuyer must complete at least 8 hours of pre-purchase homeownership counseling through a HUD-approved agency and receive a completion certificate.
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The household must earn less than 120% AMI for Sussex County, Delaware.
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Affordable Homeownership: Provides financial assistance, such as grants or low-cost loans, to help qualifying individuals and families purchase homes at below-market rates.
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Accessible Rentals: Supports the creation of affordable rental units, making housing more attainable for low- and moderate-income residents.
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Increased Housing Supply: Funds developers (e.g., $500,000 grants in 2023) to build or renovate approximately 160 housing units in areas like Laurel, Lewes, Georgetown, Milford, and Seaford, expanding options for residents.
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Community Support: Partners with organizations like Sussex Habitat for Humanity to deliver housing solutions tailored to local needs.
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Leveraged Funding: Utilizes $6.8 million, including American Rescue Plan Act (ARPA) funds, to maximize impact and address Sussex County’s affordable housing shortage.
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Sign-up to work with us and instantly download your certificate of proof of your lender credit, covering the cost your home appraisal. Your credit will be available at the time of settlement.
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Sign-up and instantly download this free mortgage guide to help give your an overview of the mortgage financing process.
Frequently asked questions
Licensed in DE, PA, MD, VA & FL