• income
• credit
• loan to value ratios
• length of employment
• property type
• occupancy
• and others

Rates and program guidelines are subject to change without notice.  Customers "floating" their loan rate are at market and product availability risk.  There is no guarantee that all loans meeting published guidelines will be approved.  Guidelines are meant to be guidelines only.  Submitting an online prequalification form does not lock in your rate. You must call our office phone number 410-643-0222 to inquire about locking in a rate and program with .  Please consult your tax advisor concerning any possible interest deduction.