apply now!

Applying for a loan or getting more information is easy. We offer you several convenient options to get started.
1. Fill out our Complete Application Form. This is highly recommended if you are ready to apply. This process will take 5-15 minutes. You will have the option of saving your application at any time and returning to it later if you wish.
2. Fill out our Short Application Form. This process will take 2-4 minutes. A loan officer will contact you once we receive your application.
3. Call us at 410-893-2360, or toll-free at 888-606-5436, and we will take your application over the phone.
  • Monday - Friday: 9:00 am - 5:00 pm EST
  • Saturday: By Appointment
  • Evenings and Weekends: By Appointment
  • You may also call us outside our normal working hours and leave a message on our voice mail. We will try to contact you as soon as possible. For a more immediate response you may call a loan officer directly via his/her cell phone number.
4. Have a loan officer contact you
5. Please mail me a loan application
6. Download the application material now and mail or fax it to us.

Required Documents:
[+]  Purchase/Refinance Loans
1. Complete and sign 3 or 4 page residential loan application Form 1003 and attached loan info sheet, credit authorization and fair lending notice. Page 4 of the application is a continuation page in case you need additional space for your assets or liabilities. If you make a mistake while filling out the application cross it out, and make a change. Do NOT use white out.
2. If you are salaried: provide two years W-2 and one month of paystubs OR if you are self-employed: provide two years tax returns and a YTD profit and loss statement.
3. If you own rental property, please provide rental agreements and two years tax returns.
4. If you wish to speed up the approval process, please also provide three months bank statements for each bank, stock and mutual fund account.
5. Provide recent copies of any stock brokerage or IRA/401K accounts that you may have.
6. If you are requesting a cash out refinance please provide a letter explaining what you plan to do with the proceeds.
7. Provide copy of divorce decree if applicable.
8. If you are NOT a US citizen provide us with a copy of your green card (front & back), or if you are NOT a permanent resident provide us with your H-1 or L-1 visa.
[+]  Credit Lines/Home Equity Loans
1. Complete and sign 3 or 4 page residential loan application Form 1003 and attached loan info sheet, credit authorization and fair lending notice. Page 4 of the application is a continuation page in case you need additional space for your assets or liabilities. If you make a mistake while filling out the application cross it out, and make a change. Do NOT use white out.
2. If you are salaried: provide two years W-2 and one month of paystubs OR if you are self-employed: provide two years tax returns and a YTD profit and loss statement.
3. If you own rental property, please provide rental agreements and two years tax returns.
4. Please provide a copy of the note on your 1st mortgage. This will normally be found in your closing loan documents.
5. Please provide a signed letter explaining what you plan to do with the proceeds.
6. Provide copy of divorce decree if applicable.
7. If you are NOT a US citizen provide us with a copy of your green card (front & back), or if you are NOT a permanent resident provide us with your H-1 or L-1 visa.