MORTGAGE LOAN PROGRAMS

Start Packing! Our Home Loans Will Get you Ready to Move!

Lock & Shop

This is an important program when rates are on the rise!  Get pre-approved to buy a home before you shop and lock your rate in!  Then, you can shop for a new home without the stress of rising rates!  Apply Now!

First Time Home Buyers

We provide free first-time buyer workshops, special home loan programs, and information on home buying grants and down payment assistance programs for first-time home buyers.

Register for an Upcoming Workshop

VA & Veteran Loan Programs

Veterans Affairs mortgages (VA Loans) are available to military veterans and active military members. These home loans typically do not require a down payment and do not require private mortgage insurance. There’s also low or no minimum credit score requirements. 

Find out which benefits you qualify for!

Renovation & Home Improvements

Your home is likely one of your biggest investments.  So, when you're ready to make home improvements, we offer unique renovation financing options that allow you to create the home of your dreams without emptying your reserves!   


Better yet, these home improvement loan programs typically require no cash out of pocket, and are based on the future value of the home.   Learn more about our home improvement loan programs!

Self-Employed Borrowers

The major feature of this NEW program is that we can verify income using 24 months of bank statements to determine qualifying income rather than tax returns. 


For the first time in years, many self-employed borrowers may now be able to qualify for a home loan!  Don't wait!  Find out more!

Conventional

Conventional mortgages offer some of the best interest rates and loan terms—which often means a lower monthly payment.

FHA Loans

FHA loans are designed for borrowers who are unable to make a large down payment, available in Fixed and ARM options.

Get Pre-Approved Now!

USDA Loan Programs

USDA loans are zero-down-payment mortgages for homes located in rural and suburban areas.   

Maryland SmartBuy 2.0

Envoy is pleased to offer qualified borrowers access to the Maryland Smartbuy 2.0 program.  This program makes housing more affordable by paying off up to $40,000 in student debt! 

Find out if you qualify!

Maryland 4% Grant Assist

We are pleased to offer The Maryland Mortgage Program's 4% Grant Assist designed to help Maryland home buyers with downpayment and closing costs.  Find out if you qualify.

Chenoa Fund

  The Chenoa Fund offers a down payment assistance program that can provide the borrower with 3.5% down payment assistance & so much more!   Find out if you qualify now! 

Loan Programs for Every Borrower

The Ratti Lending Team @ Envoy Mortgage provides a wide variety of mortgage loan programs to assist you with all of your home financing requirements.  That's why we partner with so many government loan programs, veteran loan programs, grant assist programs, and more!


More importantly, we operate under a philosophy of "Do The Right Thing Always" and that's just one of reasons we're well known for:


Pleasant Lending Experiences.   Reliable Execution.   Happy Customers.