Contact Us
Whether it's a new home loan, an investment property, or just reviewing your current mortgage, our local experts are ready to assist you.
- Home
- Contact Us
Contact Us
Ready to get started? Let's Talk!
Your next big step starts here—contact the JBK Mortgage Team today to get expert guidance and personalized solutions for your home financing goals.
115 West Street, Suite 200
Annapolis, MD 21401
Mon-Fri : 8:00 AM - 5:00 PM
Sat-Sun : By Appointment
Get in Touch
Leave us a message
Have questions or ready to explore your financing options? Fill out the form below and the JBK Mortgage team will be in touch to guide you every step of the way. Whether you’re buying, refinancing, or planning ahead, we’re here to help you move forward with confidence.
Follow Our Social Media
Frequently Asked Questions
It depends on the loan type. Some programs let you buy with as little as 3% down, or even 0% for VA and USDA loans. We'll help you find the right option based on your situation.
Most loan programs require a credit score of 620 or higher, but some go lower. A higher score usually means better rates and terms.
That depends on your income, credit, debts, and down payment. We’ll help you figure out a comfortable monthly payment and loan amount during pre-approval.
- Pre-qualification is an estimate based on basic info you provide.
- Pre-approval is more in-depth and includes a credit check and documentation - it shows sellers you're serious and ready to buy.
Generally, you’ll need: Pay stubs, W2’s/1099’s, Bank statements, and ID. However, we’ll give you a checklist tailored to your situation and have cutting edge technology where we can digitally verify income and assets in most cases.
Closing costs are fees for the loan, title, insurance, etc. They usually run 3%–5% of the purchase price. We’ll break them down for you early in the process.
Yes! Most loan programs allow gift funds from family, and we’ll show you how to document it correctly.
We can close in as little as 10 days! However, most contracts are written for about 3-4 weeks. We’ll keep things moving and communicate every step of the way.
Not always. It depends on your income, debt, and how much equity you have. We’ll explore all your options with you.
Yes! There are down payment assistance programs and grants available, especially for first-time buyers. We’ll check what you qualify for.
A fixed-rate loan keeps the same rate for the life of the loan. An adjustable-rate can start lower but may change over time. We’ll help you decide what’s best for your goals.
Before you start house hunting. That way, you’ll know your budget, and sellers will take your offer seriously. In fact, most real estate agents will not show a house until you’ve been pre-approved.