“I don’t have a large down payment &/or am concerned about my credit”.


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We have an FHA for you.

The Federal Housing Administration (FHA) offers low down payment options for financing a primary residence. The flexible guidelines and lower credit requirements help many Baltimore, Towson, Perry Hall and Bel Air Maryland homebuyers become new homeowners every year. The FHA home loan is a great option for first-time homebuyers and for those who do not have a big down payment. Click here for Maryland FHA Loan Limits.


Loan Features

✔ Up to 96.5% financing available

✔ Credit scores as low as 620 FICO in Maryland.

✔ Manufactured home financing (requires 640 FICO)

✔ Gift funds for down payment allowed

✔ Non-Traditional credit allowed

All loans are subject to underwriter final approval, terms and conditions may apply. Subject to change without notice. Always consult an Accountant or Tax Advisor for full eligibility requirements on tax deductions.

TJ Barker and his Team at Ross Mortgage are your trusted source for all your FHA home loan mortgage needs. Proudly helping Maryland homeowners in Bel Air, Fallston, Towson, Timonium, White Marsh Perry Hall, Elkton, Perryville and all of Maryland. If you think you are ready to begin the process, then just click the “Apply Now” button to get started. And if you have any questions about an FHA home loan, or any other financing program, then call us now.


You can contact TJ at: tjbarker@rossmortgage.com