Harford County, Maryland · NMLS #2656628

Harford County Home Loans, From Aberdeen Proving Ground to Bel Air.

Harford County pairs a major Army installation with small-town Maryland living. Whether you are PCSing to Aberdeen Proving Ground, buying in Bel Air or Forest Hill, or looking at waterfront in Havre de Grace, Ken is available to have a conversation with you, understand your vision, and help you obtain the loan that fits your real estate goals.

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24-hour pre-approvals (with docs) Retired U.S. Navy veteran Lives in Calvert County Fairway Home Mortgage
Ken Powell Mortgage Loan Officer Harford County Maryland NMLS 2656628
Ken Powell
Mortgage Loan Officer · Fairway Home Mortgage
NMLS #2656628 · Equal Housing Lender
APG
Serving Aberdeen Proving Ground
$0
Down with VA loan
24 hrs
Pre-approval turnaround
6
Loan program types
Harford County Mortgage

A Military Market Ken Understands From the Inside.

Aberdeen Proving Ground anchors Harford County with soldiers, DoD civilians, and defense contractors, the same kind of installation-driven market Ken served in and now lends in across Maryland. Add USDA-eligible rural areas in the north of the county and steady commuter demand along I-95, and Harford rewards buyers who know their options.

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APG Military and DoD Civilians

VA loans with $0 down and no PMI for eligible buyers, plus a lender who has been through the PCS timeline himself. Using BAH to own near Aberdeen or Edgewood instead of renting is a conversation worth having early.

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USDA-Eligible Communities

Portions of northern and rural Harford County qualify for USDA Rural Development: 100% financing with low mortgage insurance. Ken checks your specific address at no cost.

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Investors Near the Installation

A rotating, BAH-paid tenant pool around APG keeps rental demand consistent. DSCR loans qualify on the rent, not your W-2, and close in an LLC.

Loan Programs

Every Loan Type Available in Harford County.

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

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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
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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
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Jumbo Loans

Financing for homes above conforming limits. Available for larger properties in Fallston, Jarrettsville, and along the water in Havre de Grace.

Above conforming limits
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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
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Bank Statement / 1099

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

No tax returns
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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+
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FHA Loans

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

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Reverse Mortgage (HECM)

For Harford 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 →

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Construction to Permanent

Building in Harford 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

Harford County Mortgage Questions, Answered.

Do you serve Harford County, Maryland?+
Yes. Ken serves Harford County alongside the rest of Maryland, including Bel Air, Aberdeen, Edgewood, Havre de Grace, Fallston, Forest Hill, and Jarrettsville.
Are VA loans available near Aberdeen Proving Ground?+
Yes. Eligible veterans and active-duty buyers can use $0 down VA financing throughout Harford County, including on 2 to 4 unit properties if you occupy one unit.
Do parts of Harford County qualify for USDA loans?+
Yes. Several northern and rural communities are USDA-eligible. Send Ken the address and he confirms eligibility in minutes at no cost.
Can I buy a rental near APG with a DSCR loan?+
Yes. DSCR loans qualify on the property's rental income, which fits the steady military and contractor tenant pool around the installation.
What if I am self-employed or 1099?+
Bank statement and 1099 programs qualify you on real deposits instead of tax returns. Ken specializes in these files.

Ready to Buy in Harford County?

PCS orders, first home, or next rental. Tell Ken the goal, and he will map the loan to it.

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Equal Housing Opportunity Equal Housing Lender Fairway NMLS #2289 Ken Powell NMLS #2656628 Fairway Home Mortgage