Providing Mortgage Solutions in Maryland and Virginia

Charles County Mortgage Lender,
Loan Solutions for Veterans, Seniors, Investors, First-Time Buyers & Self-Employed Borrowers.

Ken Powell and the award winning team at Fairway Home Mortgage in La Plata, MD provide top tier customer service and the loan programs to match: VA loans for veterans, DSCR and bank statement loans for investors and the self-employed, reverse mortgages for those 62 and better, plus USDA, jumbo, and first-time buyer programs. Offers get stronger with the Fairway Advantage Pre-Approval and the Fairway Cash Guarantee, and pre-approvals come back within 24 hours of your documents. Serving Calvert, Charles, St. Mary's, Anne Arundel, Prince George's, Montgomery, Baltimore, and Harford counties in Maryland, plus Alexandria, Arlington, Stafford, Fredericksburg, Woodbridge, and the Hampton Roads cities in Virginia.

📅 Book a Call Get Pre-Approved →

24-hr pre-approval with docs Retired U.S. Navy veteran Investor since 2014 10+ years as a real estate professional

Ken Powell

Mortgage Loan Officer · Fairway Home Mortgage

NMLS #2656628 · MD · VA Licensed

📞 (240) 237-7855

Who We Help

One Lender. Every Borrower Type. Across Maryland and Virginia.

From first-time buyers in Southern Maryland to seasoned investors in Northern Virginia, there is a loan for every situation.

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Maryland & Virginia Home Buyers

Whether you're a first-time buyer in Calvert County, a veteran PCS'ing to NAS Patuxent River, or upgrading in Northern Virginia, we give you side-by-side loan comparisons and 24-hour pre-approvals so you can compete.

VA Loans, $0 down USDA, $0 down FHA Loans Conventional Jumbo Loans Reverse Mortgage Down Payment Assistance

VA loan expert, retired U.S. Navy, used benefit personally
USDA-eligible areas across Southern Maryland, check yours at no cost
Fairway Advantage® Pre-Approval, true underwriter credit approval
Down payment assistance: NHF, MMP, Freddie Mac BorrowSmart
FHA, conventional, jumbo, every purchase loan type available

Get Pre-Approved →

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Maryland & Virginia Real Estate Investors

DSCR loans for Southern Maryland and Northern Virginia investors. Bank statement loans for self-employed buyers. VA loans for veterans buying 1 to 4 unit multifamily. Ken Powell has been an active investor since 2014.

DSCR, no W-2 Bank Statement 1099 Loans LLC Accepted 1 to 4 Units VA Non-Warrantable Condo

DSCR, qualify on rental cash flow, not W-2 income
NAS Patuxent River rental market expertise, BAH-supported rents
VA loans for veterans buying multifamily, live in one, rent the rest
Non-warrantable condo financing up to $3 million
LLCs, S-Corps, and entity ownership accepted

Explore Investor Loans →

Frequently Asked Questions

Southern Maryland & Virginia Mortgage Questions, Answered.

Plain-English answers for home buyers and investors across Maryland, Virginia, and the DC metro area.

How fast can I get a mortgage pre-approval in Southern Maryland or Northern Virginia?+

We issue pre-approvals within 24 hours when you submit your documents. The Fairway Advantage® Pre-Approval goes further, it's a true underwriter credit approval, not just a pre-qualification. That means your income, assets, and credit have all been verified before you make an offer. Start your application →

What is a DSCR loan and how does it help Southern Maryland investors?+

A DSCR (Debt Service Coverage Ratio) loan qualifies based on your rental property's cash flow, not your personal W-2 or tax returns. Southern Maryland is an excellent DSCR market: NAS Patuxent River creates strong BAH-supported rental demand in Calvert, Charles, and St. Mary's counties. 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, including the National Homebuyers Fund (up to 5% forgivable or repayable), the Maryland Mortgage Program (MMP), Freddie Mac BorrowSmart ($2,500 credit), FHA $100 Down for HUD homes, and FHA SolarHoper (up to $13,000). I'll show you every program you qualify for and which saves you the most. View all DPA programs →

📅 Book a Call with Ken →

Where We've Closed

Serving Maryland and Virginia.

From Southern Maryland (Calvert, Charles & St. Mary's) to Northern Virginia, Anne Arundel, and Prince George's County.

📍 Southern Maryland, Calvert County 📍 Southern Maryland, Charles County 📍 Southern Maryland, St. Mary's County 📍 Anne Arundel County, MD 📍 Prince George's County, MD 📍 Northern Virginia

Why We're Different

Tools Most Lenders Simply Don't Have.

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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

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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

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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

Our Process

Simple. Transparent. Application to Keys.

See the full step-by-step process →

Apply Online

5-minute application. Secure doc upload. Full review before your call.

Get Pre-Approved

24-hour Fairway Advantage® Pre-Approval. Side-by-side loan scenarios.

Lock Your Rate

Agent, title, and appraisal aligned early. Weekly milestone updates.

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Close On Time

Clear-to-close before your contract date.