- 9841 Washingtonian Blvd #200 Gaithersburg, MD 20878
🏡 Serving Maryland · Washington DC · Northern Virginia
Home Loans & Mortgage Programs Across the DMV
From your first home to your next investment property, Real Estate Connection matches DMV buyers with trusted lenders and the right loan program — FHA, VA, USDA, Conventional, 203(k) renovation, and Jumbo — plus down payment assistance you may not know you qualify for.
Free · No Obligation
Find the loan that fits — fast.
- ✓Matched to the right program for your credit, budget, and goals.
- ✓Connected to vetted, trusted DMV lenders — we're with you start to close.
- ✓Down payment assistance and first-time-buyer programs explored.
- ✓Pre-qualified in as little as 24 hours.
REC is a real estate brokerage, not a lender. All loans provided by trusted lending partners.
500+
DMV homes bought & sold$0
down possible with VA & USDA loans3
states served: MD, DC & VA5.0★
150+ verified Google reviews
Financing made simple
A smoother path to homeownership in Maryland, DC & Virginia
Buying a home in the DMV shouldn't feel like decoding a foreign language. Once you have your pay stubs, tax returns, and basic documents ready, our team connects you with a trusted lender and walks you through every step — from pre-qualification to closing — so you know your true budget and your best loan option before you ever tour a home.
Purchase loan programs
Every major home loan, explained
The right program depends on your credit, down payment, property type, and where in the DMV you're buying. Here's how the main options compare.
Low Down Payment
FHA Loans
A popular path for first-time and moderate-credit buyers across Maryland, DC, and Virginia — flexible qualifying with a competitive rate.
- Low down payment options
- More flexible credit guidelines
- Primary residence in the DMV
For Those Who Served
VA Loans
One of the strongest benefits available to eligible veterans, active-duty service members, and surviving spouses — common across our military-heavy DMV market.
- Up to 100% financing — $0 down
- No private mortgage insurance
- Competitive, government-backed rates
Rural & Suburban
USDA Loans
No-down-payment financing for eligible areas — including parts of Frederick, Carroll, and outer Montgomery County and beyond.
- No down payment in eligible areas
- First-time and repeat buyers
- Income limits apply
Most Flexible
Conventional Loans
Not limited to primary residences — finance your DMV home, a second home, or an investment property, with a range of down payment options.
- Primary, second, or investment homes
- Down payments as low as 3%
- Avoid PMI at 20% down
Buy + Renovate
FHA 203(k) Renovation
Buy a DMV home that needs work and fund the improvements in one loan — ideal for fixer-uppers and dated homes with great bones.
- Purchase + renovation in one loan
- Can originate from FHA, USDA, or Conventional
- Funds dedicated to the property
Higher-Priced Homes
Jumbo Loans
For DMV homes priced above the conforming loan limit — common in higher-cost areas like Bethesda, Potomac, Arlington, and DC.
- Financing above conforming limits
- Luxury & high-cost neighborhoods
- Competitive terms for strong borrowers
Not sure where to start?
Find the best loan for your situation
Pick what sounds most like you and we'll point you to the right program — then connect you with a trusted lender to confirm.
I want a range of down payment options.
Conventional Purchase →
I want to build a brand-new home.
New Construction →
I want to purchase a condo.
Condo Loans →
Great credit, but limited cash for a down payment.
Fannie Mae HomeReady® →
I want to live in a rural or eligible area.
USDA →
I don't have a lot saved for a down payment.
FHA →
I'm a military veteran or actively serving.
VA Loans →
I want to buy a house that needs some repairs.
Renovation Loans →
My home's price exceeds the conventional loan limit.
Jumbo →
You may qualify for free money
DMV down payment assistance programs
One of the biggest hurdles in high-cost markets like Montgomery, Howard, and Prince George's counties is the down payment. Maryland, DC, and Virginia each run programs that can put thousands toward your purchase. We'll help you see which ones you may qualify for.
Why finance with REC
A dependable partner from pre-qual to closing
⚡
Simplified process
We connect you with trusted lenders and keep the paperwork moving, so financing feels straightforward, not stressful.
💰
Competitive options
Access a range of loan programs designed to fit your budget and help you save over the life of the loan.
🏦
Assistance programs
We surface down payment and closing-cost help across Maryland, DC, and Virginia that many buyers miss.
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Expert guidance
Our network of loan officers helps whether you're buying your first home, moving up, or investing.
How it works
Three steps to your DMV home loan
1
Gather your documents
Recent pay stubs, tax returns, and bank statements are usually all it takes to begin. We'll tell you exactly what's needed.
2
Get matched & pre-qualified
We connect you with a trusted lender and the right program for your situation — often with a pre-qualification within a day.
3
Shop with confidence
Know your real budget and your strongest offer position before you tour, then close with a team that has your back.
Financing questions
DMV home loan FAQs
Does Real Estate Connection provide the mortgage itself? +
No. Real Estate Connection is a licensed Maryland real estate brokerage, not a mortgage lender. We connect you with trusted, vetted lenders and help you compare FHA, VA, USDA, Conventional, 203(k), and Jumbo programs. The loan, rate, and terms are provided and approved by the lender — we make sure you walk in informed.
Can I buy a home in the DMV with little or no down payment? +
Often, yes. VA loans offer 100% financing with no down payment for eligible veterans and service members, and USDA loans offer no-down-payment financing in eligible areas. FHA loans allow low down payments, and Maryland, DC, and Virginia each offer assistance programs that can cover part of your down payment and closing costs.
What down payment assistance is available in Maryland, DC, and Virginia? +
Maryland offers the Maryland Mortgage Program (MMP) with down payment and closing-cost help; Washington DC offers DC Open Doors and HPAP; and Virginia offers Virginia Housing programs. Eligibility is based on income, purchase price, and credit, and most require a homebuyer education course. We'll help you explore which programs fit your goals.
Which loan program is right for me? +
It depends on your credit, how much you've saved, the property type, and where you're buying. First-time buyers often start with FHA or a down-payment-assistance program; veterans with VA; rural buyers with USDA; and move-up or investment buyers with Conventional or Jumbo. Use our loan matcher above, then we'll confirm with a trusted lender.
How fast can I get pre-qualified? +
Once your basic documents are ready, a pre-qualification can often happen within about 24 hours. Getting pre-qualified before you shop tells you your true budget and makes your offer far stronger in the competitive DMV market.
Free · No obligation · MD · DC · VA
Let's find your best loan and get you pre-qualified.
Tell us a little about your goals and we'll match you with the right program and a trusted lender — so you can buy your DMV home with confidence.
★★★★★ 5.0 · 150+ Verified Google Reviews · 500+ DMV homes bought & sold
Types of Purchase Loans
Streamlined Home Purchase Loans
Purchasing a home can be as straightforward as gathering the required income documents. Our goal is to simplify the process and make your home purchase journey as smooth as possible. Once you have your pay stubs, tax returns, and any other necessary documentation ready, our dedicated team will walk you through each step—from pre-qualification to closing. We’re here to ensure you feel confident and supported every step of the way, helping you move closer to owning your dream home with ease.
Different Types of Loans
USDA Purchase Program
USDA Purchase Loans are designed for eligible borrowers looking to buy a home in designated rural areas. Unlike USDA refinances—which are only available to those who have previously held a USDA loan—purchase loans open the door to homeownership for both first-time and repeat buyers. These loans offer competitive terms, no down payment requirement, and a streamlined process tailored to your financial situation and the specific property you wish to purchase.
FHA Purchase Program
FHA purchase loans offer many of the same benefits as their refinance counterparts—namely, a more competitive interest rate and lower monthly payments. Like other home purchase programs, FHA loans require that the property be your primary residence. This ensures you’re investing in a home that meets your personal and financial needs, making homeownership both accessible and affordable.
Conventional Purchase Program
Conventional Purchase Loans
Conventional purchase loans offer many of the benefits found in FHA options, including the flexibility to access cash for purposes not directly related to the property itself. One key advantage is that, unlike FHA loans which are generally limited to primary residences, conventional financing isn’t restricted by property type. This means you have the freedom to purchase not only your primary home but also second homes or investment properties.
203K Purchase Program
FHA 203(k) Home Purchase Loans
FHA 203(k) Purchase Loans combine the benefits of a standard FHA home purchase with additional financing for renovations. This means you can acquire your new home and fund necessary improvements—all in one streamlined process. One major advantage is that these loans can originate from USDA, FHA, or Conventional sources. Please note, FHA 203(k) loans do not offer a cash-out option, ensuring all funds are dedicated to purchasing and enhancing your property.
Why should you consider to Finance with REC:
Simplified Mortgage Process:
Get connected with trusted lenders to explore financing options that suit your budget and goals.
Competitive Rates:
Access competitive mortgage rates and loan programs designed to help you save.
Down Payment Assistance:
Learn about available programs that can help you secure funding for your home purchase.
Expert Loan Guidance:
Our network of loan officers will work with you to find the best financing solution, whether you’re buying, refinancing, or investing
Our Commitment to You
Real Estate Connection strongly believes in being a dependable partner and empowering our clients to achieve their goals.
FIND THE BEST LOAN FOR ME
I want a range of
down payment options
I want to build
a new home
I want to purchase
a condo
I want a great credit,
but not a lot of money for
down payment
I want to live
in a rural area
I want don’t have a lot
of money for down payment
I AM A MILITARY VETERAN
OR AM ACTIVELY SERVING
I want TO BUY A HOUSE
THAT NEEDS SOME REPAIRS
I want a home with a price that exceeds the conventional loan limit.