Maryland & Virginia Mortgage Solutions · Based in Hughesville, MD · NMLS #2656628

Tell Me What You’re Trying to Accomplish.
I’ll Help You Figure Out the Financing.

You do not need to know which mortgage program to ask for. Start with your goal, your income, the property, and what is making the scenario difficult. I’ll help you identify the financing paths worth exploring across Maryland and Virginia.

Find My Mortgage Path → Send Me a Scenario Book a Call
No credit pull to start Retired U.S. Navy veteran Real estate investor since 2014 10+ years in real estate
Ken Powell, Mortgage Loan Officer, Fairway Home Mortgage, NMLS 2656628
Ken Powell
Mortgage Loan Officer · Fairway Home Mortgage
NMLS #2656628 · MD · VA Licensed
📞 (240) 237-7855
Start With Your Goal

What Are You Trying to Do?

Choose the situation that sounds most like yours. You’ll get a short, focused questionnaire instead of a generic mortgage application.

Buy a HomeFirst home, next home, down payment assistance, conventional, FHA and more.Find my path → Use My VA BenefitFirst use, reuse, remaining entitlement, PCS, refinance or 2–4 units.Check my VA path → Finance a Rental PropertyRun a DSCR scenario using the property’s rent and housing expense.Analyze my deal → Qualify While Self-EmployedBank statements, 1099 income, P&L, assets and other documentation paths.Match my income → Use Home Equity in RetirementExplore whether a reverse mortgage belongs in your retirement or housing plan.Explore my options → I Have a Difficult ScenarioStalled loan, unusual income, property issue, denied file or something that does not fit neatly.Send it to Ken →
See Yourself in the Possibilities

Different Goals. Financing Options Worth Exploring.

Whether you're getting the keys to your first home, using military benefits, building a rental portfolio, or buying after a medical career move, start with the path that fits your life.

First Home & DPAExplore low-down-payment and assistance programs available to eligible buyers.Explore assistance → Veterans & Military FamiliesUse your earned VA home loan benefit across Maryland and Virginia.Explore VA loans → Real Estate InvestorsCompare rental-property financing built around qualifying property income.Explore investor loans → Medical ProfessionalsDiscover options designed for eligible physicians and healthcare careers.Explore medical loans →
Scenario First
Find the financing path before you apply
$22M+
Closed as a Realtor®
MD · VA
Greater Baltimore · Southern Maryland · Northern Virginia · Hampton Roads
5
Goal-based ways to start before applying
Local, Not a Call Center

Maryland & Virginia Financing. Based in Hughesville, Serving Both States.

I'm based in Hughesville, Maryland, and work with homebuyers and real estate investors throughout Maryland and Virginia. That includes communities near Towson and Baltimore, Anne Arundel and Prince George's counties, Southern Maryland down to Lexington Park, and Virginia markets from Arlington and Fairfax to Fredericksburg, Norfolk and Virginia Beach. You do not need to live in Southern Maryland to work with me. I bring a retired Navy veteran's perspective, real estate experience, and access to a wide range of mortgage programs to every financing conversation.

Hughesville Mortgage Lender → · Charles County Mortgage → · Calvert County Mortgage → · St. Mary's County Mortgage →

Financing Built Around the Scenario

The Program Is the Tool. Your Goal Comes First.

Some borrowers fit a standard mortgage. Others need a lender who understands military benefits, rental cash flow, business income, or retirement equity. These focused paths help us get to the right conversation faster.

VA Strategy

Understand entitlement, prior VA use, PCS timing, occupancy and property strategy before jumping into an application.

Start VA Pathfinder →

Investor / DSCR

Put the rent, housing expense, equity, property type and investor experience in one place and see the scenario clearly.

Analyze a Rental Deal →

Self-Employed / Non-QM

Compare how bank deposits, 1099s, P&L statements, tax returns and assets may document income differently.

Find an Income Path →

Reverse / Retirement

Start with the homeowner’s objective—payment relief, liquidity, staying in the home or buying a more suitable home.

Explore Equity Options →
Frequently Asked Questions

Maryland & Virginia Mortgage Questions, Answered.

Plain-English answers for home buyers and investors across Maryland and Virginia, including the Washington, DC suburbs. Licensed in MD and VA, not DC.

How fast can I get a mortgage pre-approval in Maryland or Virginia?+
We strive to provide a pre-approval within 24 hours of receiving the required documents and information. Fairway processes loans in house, with teams dedicated to moving files efficiently and solving issues quickly. The Fairway Advantage® Pre-Approval can go further with an underwriter credit approval after the required income, asset, and credit documentation has been reviewed. Timing varies by file, documentation, loan program, and underwriting requirements. Start your application →
How do DSCR loans help rental property investors in Maryland and Virginia?+
A DSCR loan evaluates qualifying rental income relative to the property's required housing expenses. Eligible investors can explore DSCR financing for rental properties throughout Maryland and Virginia. Available programs, rent documentation, reserves and property restrictions vary. Learn more about DSCR loans →
What VA loan benefits are available for NAS Patuxent River service members?+
VA loans offer $0 down, no PMI, and competitive rates for eligible active-duty, veterans, and surviving spouses. As a retired U.S. Navy veteran, Ken has used this benefit personally. We also specialize in VA loans for 1 to 4 unit multifamily properties, live in one unit, rent the others to build wealth. Learn about VA loans →
Do Southern Maryland counties qualify for USDA loans?+
Yes, large portions of Calvert, Charles, and St. Mary's counties (Southern Maryland) are USDA-eligible, including many communities that may surprise you. USDA loans offer 100% financing in eligible areas. I check eligibility for your specific address at no cost. Check USDA eligibility →
Can I get a mortgage if I'm self-employed or a 1099 contractor near DC or Northern Virginia?+
Yes. Bank statement and 1099 loan programs are designed for self-employed professionals, DoD contractors, and gig workers across Maryland and Virginia. Instead of tax returns, we use 12 to 24 months of bank deposits to qualify you on your actual income. Explore self-employed options →
What down payment assistance programs are available in Maryland?+
Several. Maryland buyers may have access to MMP 1st Time Advantage, select $2,500 HomeReady or Home Possible grants, FHA based DPA options such as Arrive Home and Chenoa, Lakeview National DPA, Homeward Edge, and other Fairway approved programs. Some are grants, some are forgivable or deferred second liens, and some are repayable. I compare the structure, rate, payment, and cash to close before recommending a path. View all DPA programs →
📅 Book a Call with Ken →
Not Ready to Apply?

Start at the Level That Feels Right.

No pressure to complete a full mortgage application before you know what direction makes sense.

Use the Financing Finder

Answer a few guided questions and see which financing path may be worth exploring based on your goal, income, property and timeline.

Find My Mortgage Path

Describe the Scenario in Your Own Words

Best for unusual income, stalled files, property issues or situations where a multiple-choice questionnaire cannot capture the whole story.

Send a Scenario

Already Know You Want to Move Forward?

Use Fairway’s secure Get Started experience when you are ready to provide your information and begin the next step.

Get Started with Fairway
Why We're Different

Tools Most Lenders Simply Don't Have.

💵

Fairway Cash Guarantee™

Compete with cash buyers without being one. With a fully underwritten Fairway Advantage Pre-Approval, your offer can include the Cash Guarantee addendum: if the buyer cannot qualify for financing by the closing date, Fairway buys the home in cash at the appraised value or sale amount, whichever is less, or pays the seller $10,000. Free to use, and sellers take it seriously. Ask Ken whether your file qualifies.

Compete like cash
✅

Fairway Advantage® Pre-Approval

A true underwritten approval before you shop, not a pre-qualification. Your income, assets, and credit are reviewed by an underwriter up front, which means faster closings and stronger offers.

Underwritten upfront
🏦

In-House Underwriting & Speed

Fairway underwrites most files in house with technology like Candor supporting the process, so loans move through underwriting more efficiently than at lenders who broker every file to another institution.

Fewer handoffs
🏡

Buy Before You Sell

Three strategies to purchase your next home before your current one sells: remove the home-sale contingency for a stronger offer, unlock your current home's equity for the down payment, or, when program requirements are met, exclude your existing mortgage payment from qualifying ratios. One move, less stress, more options. See which strategy fits →

Move first
Our Process

Simple. Transparent. Goal to Closing.

See the full step-by-step process →

1

Find Your Financing Path

Start with your goal, timeline, income, property, and anything making the scenario difficult.

2

Review the Scenario

Ken compares the programs worth exploring and explains the tradeoffs in plain English.

3

Get Pre-Approved

When you are ready, complete the secure application and submit the documents needed for underwriting.

✓

Close With Confidence

Stay informed through underwriting, appraisal, rate lock, and closing.

Find My Mortgage Path →
Mortgage Guidance Across Both States

Serving Maryland and Virginia.

Serving clients across Maryland, from the Baltimore region to Lexington Park, and across Virginia, from Arlington and Fairfax to Norfolk and Virginia Beach.

📍 Southern Maryland, Calvert County 📍 Southern Maryland, Charles County 📍 Southern Maryland, St. Mary's County 📍 Anne Arundel County, MD 📍 Prince George's County, MD 📍 Greater Baltimore & Towson 📍 Northern Virginia 📍 Fredericksburg & Stafford 📍 Hampton Roads & Norfolk
Articles & Insights

Straight Answers, Written Down.

Practical mortgage guidance for Maryland and Virginia buyers and investors, written by Ken Powell, a retired Navy veteran and experienced real estate professional.

Read All Articles →

Start With the Goal. Then We’ll Figure Out the Financing.

Maryland: Baltimore area to Lexington Park · Virginia: Arlington to Norfolk · Office: Hughesville, MD
Use the Financing Finder, send a scenario, or talk it through with Ken.

Find My Mortgage Path Send a Scenario Book a Call
Ken Powell · Fairway Home Mortgage · 8307 Old Leonardtown Road, Hughesville, MD 20637
(240) 237-7855 · ken.powell@fairwaymc.com
Equal Housing Opportunity Equal Housing Lender Fairway NMLS #2289 Ken Powell NMLS #2656628 Fairway Home Mortgage