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Mark Ebinger

Mark Ebinger

Branch Manager

5320 Spectrum Drive, Suite C, Frederick, MD 21703
Own what matters
Own what matters

About Me

My career as a mortgage lender began more than 30 years ago. I have helped thousands of families, and often generations, buy or refinance homes. I educate my clients to understand the ever-changing mortgage guidelines and loan products. I am a lender who is available to you anytime, providing help and answering your questions from your preapproval to the closing of your loan. It is important to me to stay on top of your loan with a “hands on” approach throughout the entire process. I also encourage clients to contact me should they ever have a question following their loan closing. A lender who truly cares can make all the difference at a time that could otherwise be stressful for you. My goal is to have you as a customer for life.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
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5.0
Jan 06, 2024
Verified

Mark is tremendous as a loan officer. I’ve personally had him handle my own home loan, and he handled it smoothly with an ability to work through any issues that may arise. As a realtor I’ve recommended him to clients and they’ve had great experiences as well. Top notch!
Jose
Jan 02, 2024
Verified

It was great
Kathy
Jan 02, 2024
Verified

Mark was fantastic! Very knowledgeable in the whole loan process and kept things moving along on a very timely manner.
Barb A
Jan 01, 2024
Verified

Mark Ebinger provided my husband and I top notch service in helping us secure a VA loan for our new home. He communicated with us every step of the way to efficiently navigate the process. I would highly recommend Mark Ebinger and Guild Mortgage
Corie
Dec 19, 2023
Verified

Mark was great! Updated me through the entire process from day 1 to closing! Will recommend him the next time we have a buyer!
Barbara
Dec 19, 2023
Verified

I've known Mark for over 10 years, and he hung there with my husband and me until we finally found a home! Mark patiently explained all the steps needed for a VA loan and kept us updated throughout the whole process. We would most definitely work with Mark again!

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NMLS ID #476332
I am authorized to do business in the states of Delaware, Maryland, Pennsylvania, South Carolina, Virginia and West Virginia. (www.nmlsconsumeraccess.org);