Loan Programs | Maryland Real Estate

Whether you are looking for a first-time homebuyer’s loan, fixing up a bank owned foreclosure property or leveraging your equity, Academy Mortgage can fund your next home loan.

Below is a list of some of our most popular loan programs, with links for more information.

Please feel free to contact us if you’d like to discuss your unique lending scenario and needs.

Conventional Mortgage

Most lenders would consider a conventional mortgage as a loan that conforms to the guidelines set forth by Freddie Mac and Fannie Mae, the two government sponsored enterprises (GSEs).

…..read more about (Conventional Mortgage Programs)

Jumbo Home Loans

A jumbo mortgage is a mortgage with a loan amount above conventional conforming loan limits. Jumbo loan limits are different, depending on where your property is located.

…..read more about (Jumbo Mortgage Financing)

FHA Mortgage Programs

The FHA’s goals are to improve housing standards and conditions, provide an adequate home financing system through insurance of mortgage loans and to stabilize the mortgage market.

…..read more about (FHA Mortgage Loans)

The financing for this loan will include the purchase price, as well as the improvements you are either required to do to be able to live in the home, or that you want to do, such as upgrade the kitchen or add energy efficient upgrades.

…..read more about (203k Rehab Mortgages)

Reverse Senior Loans

A lifetime loan available to seniors, and is used to release the equity in the property as one lump sum or multiple payments. The homeowner’s obligation to repay the loan is deferred until the owner sells the property.

…..read more about (Reverse Mortgages)

VA Home Loans

The basic intention of the VA direct home loan program is to supply home financing to eligible veterans in areas where private financing is not generally available and to help veterans secure a mortgage with little or no down payment.

…..read more about (VA Home Loans)

Home Equity Lines of Credit

A home equity loan (sometimes abbreviated HELOC) is a type of loan in which the borrower uses the equity in their home as collateral. These loans are sometimes useful to help finance upgrades or to consolidate other debt.

…..read more about (HELOCs)

Recent Hiban Team Listings

$115,000 - 6221 Polar Bear Ct
Waldorf

3 beds, 2 full, 1 part baths

Lot size: 8,975 sqft

Year built: 1988
$79,990 - 2524 Calverton Heights Ave
Baltimore

3 beds, 2 full baths

Year built: 1927
$348,900 - 5505 Accokeek Rd
Brandywine

3 beds, 2 full baths

Home size: 2,650 sq ft

Lot size: 4.97 ac

Year built: 1968
$464,900 - 5001 Domain Pl #2
Alexandria

3 beds, 2 full, 2 part baths

Home size: 2,070 sq ft

Year built: 1975
$409,900 - 1001 L St Nw #607
Washington

1 bed, 1 full bath

Home size: 752 sq ft

Year built: 2004
$379,900 - 1910 Hatboro Ct
Severn

4 beds, 2 full, 1 part baths

Home size: 1,962 sq ft

Lot size: 7,312 sqft

Year built: 1993
$424,900 - 14911 Kamputa Dr
Centreville

4 beds, 3 full baths

Lot size: 12,066 sqft

Year built: 1967
$385,000 - 5610 Heritage Hills Cir
Fredericksburg

4 beds, 4 full, 1 part baths

Lot size: 21,780 sqft

Year built: 2005
$960,000 - 112 Prettyman Dr
Rockville

5 beds, 4 full, 1 part baths

Lot size: 8,232 sqft

Year built: 2002
$579,900 - 4052 Fragile Sail Way
Ellicott City

5 beds, 3 full baths

Lot size: 37,521 sqft

Year built: 1980
$2,350,000 - 13120 Loth Lorian Dr
Clifton

6 beds, 7 full, 1 part baths

Home size: 10,095 sq ft

Lot size: 5.02 ac

Year built: 1998
$419,990 - Trefoil Lot 203c Ln
Sterling

3 beds, 2 full, 2 part baths

Home size: 2,794 sq ft

Lot size: 2,016 sqft

Year built: 2012
$275,000 - 4200e Mozart Brigade Ln #4200e
Fairfax

2 beds, 2 full baths

Home size: 1,130 sq ft

Year built: 1999
$255,900 - 13005 Clarion Rd
Fort Washington

4 beds, 2 full, 1 part baths

Home size: 2,356 sq ft

Lot size: 27,299 sqft

Year built: 1963
$185,000 - 7801 Winnsboro Dr
Fort Washington

4 beds, 3 full baths

Home size: 1,718 sq ft

Lot size: 21,868 sqft

Year built: 1970
$236,000 - MLS # CH7848792
Waldorf

3 beds, 2 full, 1 part baths

Home size: 1,720 sq ft

Lot size: 1,732 sqft

Year built: 2009
$79,000 - 1902 Washington Rd
Baltimore

1 bed, 1 full bath

Lot size: 4,089 sqft

Year built: 1941
$379,000 - 341 Wesmond Dr
Alexandria

2 beds, 1 full bath

Lot size: 1,840 sqft

Year built: 1942
$359,000 - 1406 Brenwoode Rd
Annapolis

3 beds, 2 full, 1 part baths

Lot size: 7,673 sqft

Year built: 1993
$288,000 - 1301 Arlington Ridge Rd S #401
Arlington

1 bed, 1 full bath

Home size: 670 sq ft

Year built: 1965
$179,900 - 20137 Welbeck Ter
Montgomery Village

3 beds, 2 full, 1 part baths

Lot size: 741 sqft

Year built: 1982
$309,900 - 2726 Gallows Rd #1412
Vienna

2 beds, 1 full bath

Home size: 1,036 sq ft

Year built: 2005
$339,900 - 102 Trevors Ct
Queenstown

4 beds, 2 full, 1 part baths

Lot size: 1.30 ac

Year built: 2012
$115,000 - 4 Rouzer Ct
Thurmont

2 beds, 1 full bath

Lot size: 3,750 sqft

Year built: 1991
$454,900 - 12765 Barnett Dr
Mount Airy

4 beds, 3 full, 1 part baths

Lot size: 2.83 ac

Year built: 1988
$12,000,000 - 3431 Oliver St Nw
Washington

5 beds, 3 full, 1 part baths

Lot size: 7,209 sqft

Year built: 1925
$4,500,000 - 2163 Dunmore Ln Nw
Washington

6 beds, 4 full, 2 part baths

Lot size: 10,614 sqft

Year built: 2012
$540,000 - 10018 Waterford Dr
Ellicott City

5 beds, 4 full, 1 part baths

Home size: 3,268 sq ft

Lot size: 29,272 sqft

Year built: 1978
$159,000 - 5787 Box Elder Ct
Frederick

2 beds, 1 full, 1 part baths

Lot size: 2,236 sqft

Year built: 1984
$319,900 - 4 Ridge Rd
Augusta

4 beds, 3 full baths

Home size: 4,000 sq ft

Lot size: 5.72 ac

Year built: 2008
$185,000 - 11417 Pitsea Dr
Beltsville

4 beds, 2 full, 1 part baths

Lot size: 9,832 sqft

Year built: 1971
$369,000 - 11710 Old Georgetown Rd #628
North Bethesda

2 beds, 1 full bath

Home size: 1,038 sq ft

Year built: 2003
$179,900 - 501 Sunlight Rd
Reisterstown

4 beds, 3 full baths

Lot size: 43,560 sqft

Year built: 1977
$639,950 - 8922 Mt Patapsco Ct
Ellicott City

4 beds, 3 full baths

Lot size: 31,128 sqft

Year built: 1989
$584,900 - 18418 Harbour Town Ter
Leesburg

3 beds, 2 full, 1 part baths

Home size: 2,579 sq ft

Lot size: 6,534 sqft

Year built: 1999
$260,000 - 11709 Legacy Woods Dr
Fredericksburg

3 beds, 2 full baths

Lot size: 7,137 sqft

Year built: 2004
$650,000 - 8021 Lions Crest Way
Gaithersburg

4 beds, 4 full, 1 part baths

Lot size: 15,215 sqft

Year built: 1994
$389,900 - 722 Annatana Dr
Forest Hill

4 beds, 3 full, 1 part baths

Lot size: 9,248 sqft

Year built: 1997
$369,900 - 7428 Erska Woods Ct
Springfield

4 beds, 3 full, 1 part baths

Lot size: 1,350 sqft

Year built: 1985
$399,000 - 2901 Boston St #513
Baltimore

2 beds, 2 full, 1 part baths

Home size: 1,644 sq ft

Year built: 1985
$325,000 - 5307 Avalon Pl
Alexandria

3 beds, 2 full, 1 part baths

Home size: 1,860 sq ft

Lot size: 1,500 sqft

Year built: 1983
$169,900 - 428 Meghann Dr
Woodstock

3 beds, 2 full baths

Home size: 1,360 sq ft

Lot size: 19,036 sqft

Year built: 1996
$159,900 - 16 Frick Ave
Waynesboro

3 beds, 2 full baths

Home size: 1,515 sq ft

Lot size: 14,375 sqft

Year built: 1971
$59,900 - 711 Connelly Rd
Rising Sun

2 beds, 1 full bath

Lot size: 1.63 ac

Year built: 1965
$449,900 - 321 Presway Rd
Lutherville Timonium

4 beds, 2 full, 1 part baths

Home size: 2,412 sq ft

Lot size: 16,137 sqft

Year built: 1966
$1,325,000 - 6026 Edgewood Ter
Alexandria

4 beds, 3 full, 1 part baths

Lot size: 8,500 sqft

Year built: 1938
$270,000 - 7607 Tiverton Dr
Springfield

3 beds, 2 full, 1 part baths

Home size: 1,280 sq ft

Year built: 1967
$429,000 - 5322 Buxton Ct
Alexandria

3 beds, 2 full, 2 part baths

Lot size: 1,804 sqft

Year built: 1990
$449,990 - 612 Hanna Rd
Bel Air

4 beds, 3 full, 1 part baths

Home size: 4,313 sq ft

Lot size: 7,710 sqft

Year built: 1997
$195,000 - 251 Hawaii Ave Ne
Washington

2 beds, 1 full, 1 part baths

Lot size: 2,062 sqft

Year built: 1942

Recent Columbia, MD Listings

$275,000 - 7248 Dockside Ln S
Columbia

3 beds, 2 full, 1 part baths

Home size: 1,496 sq ft

Lot size: 1,611 sqft

Year built: 1982
$194,500 - 11239 Snowflake Ct #B
Columbia

3 beds, 1 full, 1 part baths

Home size: 1,064 sq ft

Year built: 1976
$289,000 - 9537 Clocktower Ln
Columbia

3 beds, 2 full, 1 part baths

Lot size: 1,742 sqft

Year built: 1988
$294,900 - 9485 Clocktower Ln
Columbia

3 beds, 2 full, 2 part baths

Home size: 1,967 sq ft

Lot size: 1,481 sqft

Year built: 1984
$299,900 - 8032 Cipher Row
Columbia

3 beds, 2 full, 1 part baths

Lot size: 15,812 sqft

Year built: 1981
$400,000 - 5207 Wood Stove Ln
Columbia

4 beds, 2 full, 1 part baths

Lot size: 6,528 sqft

Year built: 1970
$364,900 - 9352 Rustling Leaf
Columbia

4 beds, 2 full, 1 part baths

Home size: 1,700 sq ft

Lot size: 13,283 sqft

Year built: 1974
$164,900 - 6907 Bugledrum Way
Columbia

4 beds, 2 full baths

Lot size: 7,492 sqft

Year built: 1976
$349,000 - 5158 Phantom Ct
Columbia

4 beds, 2 full baths

Home size: 1,595 sq ft

Lot size: 7,800 sqft

Year built: 1970
$424,900 - 9485 Battler Ct
Columbia

3 beds, 2 full, 1 part baths

Home size: 2,758 sq ft

Lot size: 13,593 sqft

Year built: 1971
$149,900 - 9093 Goldamber Garth
Columbia

3 beds, 2 full, 1 part baths

Lot size: 7,800 sqft

Year built: 1973
$314,900 - 6258 Deep River Canyon
Columbia

3 beds, 2 full, 1 part baths

Home size: 1,840 sq ft

Lot size: 1,307 sqft

Year built: 1996
$200,000 - 4920 Columbia Rd #2 96
Columbia

2 beds, 2 full baths

Home size: 1,016 sq ft

Year built: 1988
$390,000 - 5495 Bluecoat Ln
Columbia

4 beds, 3 full, 1 part baths

Lot size: 8,050 sqft

Year built: 1971
$389,900 - 6086 Sunny Spg
Columbia

4 beds, 2 full, 1 part baths

Lot size: 4,843 sqft

Year built: 1978
$304,900 - 10650 High Beam Ct
Columbia

4 beds, 2 full, 2 part baths

Year built: 1979