2014Upper Marlboro, MD · Serving DC, MD & VA

Your neighborsin home lendingsince 2014.

One application. Many lenders. The best fit for you.

A bank offers only its own loans. We compare many lenders for every kind of home, investment and commercial loan, and a local team you can call by name walks you to closing.

Start my application Call (301) 341-2200

★★★★★ 4.7 from 58 Google reviews NMLS #1246272 Office in Upper Marlboro, MD

What are you looking to do?

Buy Refinance Equity Invest

Get pre-approvedShop with a pre-approval your agent can use First-time buyerDown payment assistance options Buying a condoCheck the building before you make an offer Self-employed or non-traditional incomeBank statement, 1099, ITIN and more Compare all loan programsFHA, conventional, VA, USDA, jumbo, construction

Lower my paymentSee your break-even in 30 seconds Drop mortgage insuranceMove from FHA to conventional when it makes sense Talk it through firstCall (301) 341-2200

Tap into home equityCash-out for debt, repairs or investing Reverse mortgageHomeowners 62 and older See what cash-out costsEstimate your new payment

Fix and flip or bridgePurchase and renovation, closes fast Buy or refinance a rentalQualify on the rent, not your tax returns Commercial and multifamily5+ units, mixed-use and business property

The online application takes about 10 minutes.

2014Serving the DMV since

4.7★From 58 Google reviews

DMVLicensed in MD, DC & VA

16Local team members

In the Community

We don't just lend here. We live here.

For over ten years our office at 9500 Medical Center Drive has been a place to get a loan, a bag of groceries, a homebuyer class or a handshake. These are a few of the moments that make us who we are.

Food giveaways

Free produce and groceries for our neighbors, handed out from our Upper Marlboro office with Stepping With Leaders and EXIT Leading Edge Realty.

See the story

Homebuyer education

Free workshops that walk families through credit, down payment help and the steps to buying, before anyone fills out an application.

See the story

Standing with veterans

We support the Veterans Association of Real Estate Professionals and help veterans use the VA benefit they earned.

See the story

Proud to stand with

PGCARPrince George's County Association of REALTORS

NAMBNational Association of Mortgage Brokers

WREBAWashington Real Estate Brokers Association

VAREPVeterans Association of Real Estate Professionals

MTAMentoring Through Athletics, proud sponsor

Stepping With LeadersFood giveaway partner

See all our community work

Loan Programs

Every kind of real estate loan. Residential and commercial.

Mortgage Experts is a full-service mortgage company. First homes and dream homes, condos and new construction, Non-QM, fix and flips, rentals and commercial buildings: if it's real estate, we finance it, and we compare lenders so the loan fits you.

Buy or refinance a home

For the home you live in.

Low down payment

FHA Loans

3.5% down and flexible credit for buyers with a 580+ score.

Explore Conventional

Conventional Loans

3% down for first-time buyers, and mortgage insurance that comes off at 20% equity.

Explore Veterans & military

VA Loans

No down payment and no monthly mortgage insurance for eligible veterans and service members.

Explore Zero down

USDA Loans

No down payment financing for eligible homes in qualifying areas of Maryland and Virginia.

Explore Higher price points

Jumbo Loans

Financing above the 2026 conforming limit of $1,249,125 in the DMV.

Explore Condos

Condo Loans

Conventional, FHA, VA and Non-QM paths for condos, including buildings that fail the new 2026 review.

Explore Refinance

Refinance & Cash-Out

Lower your rate, drop FHA insurance, shorten your term or take cash out.

Explore Short-term plans

Adjustable Rate

A lower starting rate for buyers who plan to sell or refinance within a few years.

Explore

Special situations

Self-employed, building, renovating or retiring.

Flexible credit & income

Non-QM Loans

Bank statement, P&L, 1099, asset-based, ITIN, foreign national, interest-only and credit from 600 or no score.

Explore Buy land & build

One-Time Close Construction

Land, build and permanent mortgage in one loan, one closing. FHA, VA, USDA and conventional.

Explore Buy + fix

Renovation Loans

Roll the purchase and the repairs into one loan with FHA 203(k) and HomeStyle.

Explore Age 62+

Reverse Mortgage

Turn home equity into income or a line of credit with no required monthly mortgage payment.

Explore

Investors and commercial

Rentals, flips and business property.

Investors

DSCR Investor Loans

Qualify a rental on its rent instead of your tax returns. Nationwide.

Explore Investors

Fix & Flip, Bridge & Hard Money

Fix and flip, bridge, ground-up construction and rental portfolio loans that close at deal speed.

Explore Investors & business

Commercial Lending

Multifamily, mixed-use and commercial property financing nationwide.

Explore

Not sure?

We will match you.

One application, and we price the programs that fit you across our lenders.

Start my application

How It Works

Three steps from application to keys.

01
Apply online in about 10 minutes
Our secure application saves as you go. Prefer to talk it through? Call and we'll fill it out with you.
02
We shop your loan
We compare programs, rates and fees across our lender partners and walk you through the options in plain numbers.
03
Close with a local team
One team handles underwriting, conditions and your closing date, and keeps you and your agent updated the whole way.

Broker or bank?

Compare	Single bank	Mortgage Experts
Lenders compared	One: its own	Multiple wholesale lenders
Programs	What that bank offers	FHA, VA, USDA, Conventional, Jumbo and more
If you're declined	Start over somewhere else	We can often move your file to a lender that fits
Who you talk to	A call center or rotating staff	A local team in Upper Marlboro

Start my application

First-Time Buyers

Buying your first home in Prince George's County or DC?

Down payment help is out there.

Maryland, DC and many counties offer down payment and closing cost assistance for eligible buyers. We'll tell you which programs you qualify for and pair them with the right first mortgage.

State and county assistance programs
FHA and conventional options with low down payments
A pre-approval your agent can take to the seller

See what I qualify for

640+The credit score that opens most doors

Credit not ready? We build a custom plan.

No generic program. We review your full credit report with you and map out exactly which accounts to pay, which to leave alone and how to protect your score, so you buy the home the right way and close without surprises in underwriting.

Get my credit plan

Client Reviews

What our clients say.

4.7

★★★★★

58 reviews on Google

Real clients. Real keys.★★★★★

Marcus and his team worked really hard to get me through the final underwriting to close on my home. The overall process had me stressed but Marcus assured me the home was mine and he worked profoundly to make sure it happened. Mortgage Experts stayed professional, worked quickly, and communicated with me throughout the entire process.

Kim Harvey · Google review

Real clients. Real keys.★★★★★

Marcus and Tabby were truly outstanding in allowing me and my family to experience home ownership yet again! This is my second home purchase with Mortgage Experts. When I didn't think I could qualify due to credit concerns, they worked their magic.

Lena Wilson · Google review

Real clients. Real keys.★★★★★

I wanted to personally thank Marcus and his team for the effort, dedication, and professionalism throughout the process of securing my home loan. The team's attention to detail and prompt responses were much appreciated. I couldn't have asked for a better team.

Brandon Jones · Google review

Real clients. Real keys.★★★★★

Your agents were always available to answer any questions we had. They were always thorough with any information we needed, as they directed us to the proper channels to make our process smooth.

Deborah Watts · Google review

Real clients. Real keys.★★★★★

I've worked with Marcus Eligan on numerous occasions and his professionalism, experience, and willingness to go the extra mile to obtain the best results is remarkable.

Dante Washington · Google review

Worked with us?

Your review helps the next family in the DMV find a team they can trust.

Leave a Google review

Mortgage Experts co-founders Marcus Eligan and Steve Twyman in the Upper Marlboro office

Our Team

Local loan officers who pick up the phone.

Mortgage Experts was co-founded by Marcus Eligan (NMLS #189199), with Branch Manager Steve Twyman (NMLS #200725). Our team of licensed loan officers serves buyers, homeowners and investors across Maryland, Virginia and DC from our Upper Marlboro office, with commercial and DSCR investor financing available nationwide.