Anne Arundel County, Maryland · NMLS #2656628

Anne Arundel County Home Loans, From Fort Meade to the Annapolis Waterfront.

Whether you are PCSing to Fort Meade, buying your first home in Glen Burnie or Pasadena, upgrading in Severna Park or Crofton, or financing a waterfront home in Annapolis, 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 Anne Arundel County Maryland NMLS 2656628
Ken Powell
Mortgage Loan Officer · Fairway Home Mortgage
NMLS #2656628 · Equal Housing Lender
Ft. Meade
VA loan specialist nearby
$0
Down with VA loan
24 hrs
Pre-approval turnaround
6
Loan program types
Anne Arundel County Mortgage

Annapolis Charm, Fort Meade Demand, and Everything in Between.

Anne Arundel County runs the full range: military households around Fort Meade and NSA, state government and Naval Academy communities in Annapolis, commuter suburbs along the BWI corridor, and waterfront properties that often need jumbo financing. Ken serves all of it, and as a retired Navy veteran he knows the military side of this market from experience.

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Fort Meade and NSA Buyers

Odenton, Severn, Hanover, and Crofton absorb constant PCS moves. A VA loan with $0 down and no PMI is often the strongest tool, and using BAH to own instead of rent is a conversation worth having before your report date.

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Annapolis and the Waterfront

Waterfront and historic Annapolis homes frequently price above conforming limits. Jumbo financing, and knowing how appraisers treat water access and slips, matters here. Ken walks you through both.

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Investors Near the Bases

A rotating, BAH-paid tenant pool around Fort Meade keeps rental demand steady. DSCR loans qualify on the property's rent, close in an LLC, and skip the tax returns.

Loan Programs

Every Loan Type Available in Anne Arundel County.

Ken asks questions first, understands what you need, and then matches the loan to the goal. These are the programs available to Anne Arundel 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
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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. Common for Annapolis waterfront and Severna Park properties.

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 Anne Arundel County buyers when credit or savings block conventional approval. FHA details →

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Reverse Mortgage (HECM)

For Anne Arundel 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 Anne Arundel 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

Anne Arundel County Mortgage Questions, Answered.

Do you serve Anne Arundel County, Maryland?+
Yes. Ken serves Anne Arundel County alongside the rest of Maryland, including Annapolis, Fort Meade, Odenton, Crofton, Severna Park, Glen Burnie, Pasadena, and surrounding communities.
Are VA loans a good fit near Fort Meade?+
For most eligible buyers, yes. $0 down and no PMI keep cash in your pocket during a PCS, and VA loans can also be used for 2 to 4 unit properties if you occupy one unit. Ken has used the VA benefit personally and helps buyers get the most out of it.
Can you finance Annapolis waterfront homes?+
Yes. Homes above the conforming loan limit use jumbo financing, and Ken helps you understand down payment, reserve, and appraisal expectations for waterfront properties before you write an offer.
Can I get a DSCR loan for a rental near Fort Meade?+
Yes. DSCR loans qualify on the property's rental income rather than your personal income, which suits investors serving the military tenant pool around Fort Meade and NSA.
What if I am self-employed?+
Bank statement and 1099 programs qualify you on deposits instead of tax returns, which helps business owners whose returns understate their real cash flow.

Ready to Buy in Anne Arundel County?

One conversation is the right first step. Tell Ken your 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