FacebookZillow
Educating Homeowners

Mortgage News and Advice

Avoid Mortgage Mistakes

You can borrow too much or prepare too little. You can misjudge terms or overestimate your credit. With so much at stake, it’s no wonder so much can go wrong. By Liz Pulliam Weston Applying for a mortgage can be [...]

Read More

Glossary of Terms

Adjustable Rate Mortgage (ARM): A mortgage loan with an interest rate that changes periodically. The change in rate is based upon the changes in a specified index . The frequency of change is usually every 6 months or every year [...]

Read More
BBJ Best Places to Work Award Top Mortgage Employer Award 50 Best Companies to Work for Award Top Work Places Award 100 Most Influential Mortgage Executives in America Award Top 100 Mortgage Companies in America Award Top Mortgage Lenders Award
BBJ Best Places to Work Award Top Mortgage Employer Award 50 Best Companies to Work for Award
100 Most Influential Mortgage Executives in America Award Top 100 Mortgage Companies in America Award Top Mortgage Lenders Award
Top Work Places Award

DIVISION HEADQUARTERS

800-955-8508

410-628-0500

410-628-6169

50 Scott Adam Road, Second Floor
Hunt Valley, Maryland 21030

YORK, PA OFFICE

717-855-2833

2930 Carol Road, Suite 2
York, Pennsylvania 17402

LAUREL, DE OFFICE

302-536-2645

116 E Front Street, Suite B
Laurel, Delaware 19956

LOAN OPTIONS

Fixed Rate Mortgages

Adjustable Rate Mortgages

FHA Loans

VA Loans

Reverse Mortgages

USDA Home Loans

203k Home Renovation Loans

Lock, Shop and Save

5-Year Rate Drop Pledge PLUS

FREEDMONT DETAILS

About Freedmont

Loan Officers

Existing Customer FAQs

Career Opportunities

Freedmont Mortgage Reviews

Mortgage News & Advice

Mortgage Calculator

POLICIES & DISCLOSURE

State Licenses

Do Not Call Policy

Texas Consumer Disclosure

Privacy Policy

Accessibility Statement

Terms Of Use

Freedmont Mortgage Group, Mortgage Broker, Hunt Valley, MD Freedmont is an Equal Housing Lender Freedmont is an Equal Housing Opportunity Company Link to NMLS Consumer Access Page © Freedmont Mortgage. All Rights Reserved.

This website is for informational purposes only. The information contained herein can change at any time, and there is no representation to the accuracy contained herein. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. Freedmont Mortgage Group is not a Financial Advisor, Tax Consultant or Credit Repair Company. Please make sure to consult your own Financial Advisor, Tax Consultant or Credit Repair Company regarding your specific financial situation. Veterans Affairs loans require a funding fee, which is based on various loan characteristics. VA 580 FICO – Purchases only, must have Automatic Underwriting System (AUS) approval. No cash-out under 600. On a USDA Loan 100% financing, no down payment is required. The loan amount may not exceed 100% of the appraised value, plus the guarantee fee may be included. On FHA loans, LTV’s of up to 96.5% for FHA loans. FHA 580 FICO – Credit score below 600 requires Automatic Underwriting System (AUS) approval. Fixed rate loans only. W2 transcript option not permitted. APR describes the interest rate for a whole year (annualized), rather than just a monthly fee/rate. The APR allows a borrower to compare costs of credit because it factors in term, interest rate and fees associated with the loan. This should also be on all advertisements that reference the APR. It has been added to the disclaimer cheat sheet. Adjustable rate mortgages (ARMs) are home loans with a rate that varies. Your interest rate and monthly principal and interest (P&I) payments will remain the same for a defined initial period, then adjust annually when that initial period is over. During the adjustable period, there will be an interest rate cap that sets a limit on how high your interest rate can go. This product is primarily for a borrower with good credit (min 680 FICO) but a low Loan-To-Value (95% max). Debt-to-income ratios apply. Investment condominiums not allowed. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Testimonials appearing on this advertisement are individual experiences of those who have used our services. Freedmont Mortgage Group does not provide incentives for testimonials or reviews. Freedmont Mortgage Group is a Division of NFM, Inc. NMLS 2893. For NFM, Inc.’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM, Inc. is not affiliated with, or an agent or division of, a governmental agency or a depository institution.

Freedmont Mortgage Group, Mortgage Broker, Hunt Valley, MD Freedmont is an Equal Housing Lender
Link to NMLS Consumer Access Page Freedmont is an Equal Housing Opportunity Company
© Freedmont Mortgage. All Rights Reserved.

This website is for informational purposes only. The information contained herein can change at any time, and there is no representation to the accuracy contained herein. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. Freedmont Mortgage Group is not a Financial Advisor, Tax Consultant or Credit Repair Company. Please make sure to consult your own Financial Advisor, Tax Consultant or Credit Repair Company regarding your specific financial situation. Veterans Affairs loans require a funding fee, which is based on various loan characteristics. VA 580 FICO – Purchases only, must have Automatic Underwriting System (AUS) approval. No cash-out under 600. On a USDA Loan 100% financing, no down payment is required. The loan amount may not exceed 100% of the appraised value, plus the guarantee fee may be included. On FHA loans, LTV’s of up to 96.5% for FHA loans. FHA 580 FICO – Credit score below 600 requires Automatic Underwriting System (AUS) approval. Fixed rate loans only. W2 transcript option not permitted. APR describes the interest rate for a whole year (annualized), rather than just a monthly fee/rate. The APR allows a borrower to compare costs of credit because it factors in term, interest rate and fees associated with the loan. This should also be on all advertisements that reference the APR. It has been added to the disclaimer cheat sheet. Adjustable rate mortgages (ARMs) are home loans with a rate that varies. Your interest rate and monthly principal and interest (P&I) payments will remain the same for a defined initial period, then adjust annually when that initial period is over. During the adjustable period, there will be an interest rate cap that sets a limit on how high your interest rate can go. This product is primarily for a borrower with good credit (min 680 FICO) but a low Loan-To-Value (95% max). Debt-to-income ratios apply. Investment condominiums not allowed. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Testimonials appearing on this advertisement are individual experiences of those who have used our services. Freedmont Mortgage Group does not provide incentives for testimonials or reviews. Freedmont Mortgage Group is a Division of NFM, Inc. NMLS 2893. For NFM, Inc.’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM, Inc. is not affiliated with, or an agent or division of, a governmental agency or a depository institution.

Go to Top