Baltimore County, Maryland · NMLS #2656628

Baltimore County Home Loans, Where Maryland Buyers Still Find Value.

From starter homes in Parkville and Dundalk to family neighborhoods in Perry Hall, Catonsville, and Owings Mills, Baltimore County offers some of the best price-to-value in the region. Ken is available to have a conversation with you, understand your vision, and help you obtain the loan that fits your real estate goals.

Book a Call Apply Now
24-hour pre-approvals (with docs) Retired U.S. Navy veteran Lives in Calvert County Fairway Home Mortgage
Ken Powell Mortgage Loan Officer Baltimore County Maryland NMLS 2656628
Ken Powell
Mortgage Loan Officer · Fairway Home Mortgage
NMLS #2656628 · Equal Housing Lender
Value
Strong entry price points
$0
Down with VA loan
24 hrs
Pre-approval turnaround
6
Loan program types
Baltimore County Mortgage

Attainable Prices, Deep Rental Demand, and Room to Grow.

Baltimore County surrounds the city with communities at nearly every price point, which makes it a favorite for first-time buyers and for investors running buy and hold or flip strategies. Ken helps both, and as an active rental investor himself, he speaks the investor language fluently.

🔑

First-Time Buyers

Entry price points in Parkville, Dundalk, Rosedale, and Essex keep the first home within reach. Conventional loans from 3% down, plus Maryland Mortgage Program options for eligible buyers, and Ken shows the numbers side by side.

📈

Buy and Hold Investors

Steady tenant demand from Towson University, hospital systems, and the broader Baltimore job market supports long-term rentals. DSCR loans qualify on rent, close in an LLC, and scale past the conventional 10-property cap.

🔨

Flip and BRRRR Projects

Older housing stock creates value-add opportunity. Ken helps you plan the exit financing, cash-out or DSCR refinance, before you buy, so your capital comes back out on schedule.

Loan Programs

Every Loan Type Available in Baltimore County.

Ken asks questions first, understands what you need, and then matches the loan to the goal. These are the programs available to Baltimore County buyers, veterans, and investors.

🎖️

VA Loans

$0 down, no PMI for eligible veterans and active-duty service members. As a retired Navy veteran, Ken has used this benefit personally.

$0 down · No PMI
🏠

Conventional Loans

Down payments from 3% to 20%. Competitive rates for buyers with solid credit, including first-time buyer options.

As low as 3% down
🏰

Jumbo Loans

Financing for homes above conforming limits. Available for higher-value homes in Ruxton, Lutherville, and the valley communities.

Above conforming limits
📈

DSCR Investor Loans

Qualify on the property's rental cash flow, not your W-2 or tax returns. LLC ownership accepted.

No W-2 required
📋

Bank Statement / 1099

Self-employed buyers and contractors qualify on deposits, not tax returns.

No tax returns
🔄

Reverse Mortgage (HECM)

For homeowners 62 and better: free up equity, eliminate the monthly mortgage payment, or purchase a new home with H4P.

Age 62+
🏦

FHA Loans

3.5% down with 580 plus credit and flexible debt-to-income limits. The realistic path for Baltimore County buyers when credit or savings block conventional approval. FHA details →

🔑

Reverse Mortgage (HECM)

For Baltimore County homeowners 62 and better: convert home equity into cash or a growing line of credit with no required monthly mortgage payment, or buy your next home with H4P. Borrowers must still pay taxes, insurance, and upkeep. Reverse details →

🏗️

Construction to Permanent

Building in Baltimore County? One closing covers the build and automatically converts to your permanent mortgage, with the rate locked before construction starts. VA construction offers $0 down for eligible veterans. Construction details →

Fairway has a loan program for almost any mortgage scenario. Contact Ken to determine which loan program best fits your needs.

How Ken Works

A Conversation First. A Loan Second.

Ken is available to have a conversation with you, understand your vision, and help you obtain the loan that fits your real estate goals. Born in Jamaica, raised in Brooklyn, and retired from the Navy after a career that took him around the world, he settled his family in Calvert County and built his second career helping people across Maryland buy, invest, and retire well. He asks questions to find the real need, then puts his knowledge and problem-solving to work.

1

Talk It Through

A real conversation about your goals, timeline, and budget. No pressure, no script.

2

Get Pre-Approved

24-hour pre-approval once documents are in. Side-by-side loan scenarios so you choose with full information.

3

Move With Confidence

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

✓

Close On Time

Clear-to-close before your contract date.

Frequently Asked Questions

Baltimore County Mortgage Questions, Answered.

Do you serve Baltimore County, Maryland?+
Yes. Ken serves Baltimore County alongside the rest of Maryland, including Towson, Owings Mills, Catonsville, Parkville, Dundalk, Essex, White Marsh, and Perry Hall.
Is Baltimore County good for first-time buyers?+
It is one of the more attainable counties in the region, with real inventory under the statewide median in several communities. Ken compares your loan options, including down payment assistance where it genuinely helps.
Can I get a DSCR loan for a Baltimore County rental?+
Yes. DSCR loans qualify on the property's rental income rather than your W-2 or tax returns, and they work for LLC ownership. Ken invests in rentals himself and will run your numbers with you.
Do you finance flips or BRRRR deals?+
Ken helps you structure the refinance side of the strategy, the cash-out or DSCR loan that returns your capital after the rehab, so you can plan the whole deal before you purchase.
What about VA loans in Baltimore County?+
Available countywide for eligible veterans and active-duty buyers: $0 down, no PMI, and usable on 2 to 4 unit properties if you occupy one unit.

Ready to Buy in Baltimore County?

First home or fifth rental, the conversation starts the same way: with your goals.

📅 Book a Call Apply Now →
Equal Housing Opportunity Equal Housing Lender Fairway NMLS #2289 Ken Powell NMLS #2656628 Fairway Home Mortgage