Your Local Mortgage Broker in Maryland
As an independent mortgage broker serving Maryland, CDF Lending works with a wide network of lenders rather than a single bank. That means we can compare programs and pricing on your behalf instead of fitting you into one institution’s product list.
We help first-time home buyers, move-up buyers, homeowners refinancing, and real estate investors throughout Maryland — from Prince George’s and Montgomery County to Charles County and the Baltimore metro.
Maryland Home Loan Programs
FHA Loans — low down payment options for first-time and credit-building buyers
VA Loans — zero down payment for eligible veterans and active duty service members
Conventional Loans — competitive rates for buyers with established credit
Jumbo Loans — financing above conforming limits for higher-priced Maryland homes
USDA Loans — no down payment in eligible rural Maryland areas
Cash-Out Refinance & HELOC — access the equity you have built
DSCR & Investment Property Loans — qualify on rental income, not personal income
Commercial Real Estate Financing — multifamily, mixed-use, office, and retail
Why Work With a Maryland Mortgage Broker?
A broker is not tied to one lender’s guidelines. When a file does not fit conventional underwriting — self-employed income, an investment property, a commercial building — we can move it to a lender whose program is built for it.
Carlton Ferguson advises Maryland clients as both a residential mortgage broker and a commercial capital advisor, which matters when a borrower’s next step crosses from a primary residence into an income-producing property.
Who We Help Across Maryland
Residential home buyers make up the largest share of our Maryland business — first-time buyers, move-up buyers, and homeowners refinancing. We review the home buyer programs Maryland offers alongside every loan option, since a low down payment mortgage Maryland buyers qualify for often pairs with state assistance.
For existing homeowners, a cash-out refinance Maryland option and home equity loans Maryland lenders offer are both worth comparing — one replaces your mortgage, the other sits behind it. Which is better depends on your current rate.
People search this both ways — Maryland mortgage broker, or mortgage broker Maryland — and either way the work is the same: comparing lenders on your behalf instead of fitting you into one bank’s product list.
Clients looking for a top mortgage loan officer Maryland wide, or simply a local mortgage broker who answers the phone, work with Carlton Ferguson directly from first call to closing.
Frequently Asked Questions
What credit score do I need for a mortgage in Maryland?
FHA loans can be available with scores in the 580 range, and some programs go lower with compensating factors. Conventional loans generally start around 620. Because we work with multiple lenders, we can match your profile to the program with the most workable guidelines.
How much is a down payment on a Maryland home?
VA and USDA loans can require zero down for eligible borrowers. FHA starts at 3.5 percent and conventional programs start as low as 3 percent for qualified first-time buyers. Maryland also offers down payment assistance programs we can help you evaluate.
Are there first-time home buyer programs in Maryland?
Yes. Maryland offers state and county-level assistance for down payment and closing costs, and several are stackable with FHA or conventional financing. Eligibility depends on income, purchase price, and location, so it is worth reviewing before you shop.
Do you finance investment properties in Maryland?
Yes. We offer DSCR loans that qualify on the property’s rental income rather than your personal income, along with bank statement loans, bridge financing, and fix-and-flip programs for Maryland investors.
How long does it take to close a mortgage in Maryland?
Most purchase loans close in 21 to 30 days once you are under contract. Refinances typically run 30 to 45 days. Having income and asset documents ready up front is the single biggest factor in closing on time.