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Select from hundreds of loan products tailored to your needs

John Sebeck

John Sebeck

Branch Manager

215 Schilling Circle, Suite 103, Hunt Valley, MD 21031
Own what matters
Own what matters

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.



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.


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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5.0 out of 5.0 stars
Aug 01, 2017

As a first time home buyer, I didn't know what to expect. I had always heard horror stories about the loan process and everything going wrong. My experience with John was seamless. He sent detailed emails with items he needed, and he handled the rest. As a busy working professional, he couldn't have made it easier. I highly recommend him. He is very knowledgeable and has your best interests at heart. 5 STARS!
Apr 22, 2013

I was able to work with John on my original loan & 1 subsequent re-finance. John was extremely knowledgable on loan options and ended up suggesting a loan I had never even heard of. I sold new homes for a number of years and the loan structure John found for my re-finance was phenomenal. I reccommended him to a number of friends who had similar experiences. The loan(s) closed on times, my options, qualifications, and costs were all clearly laid out, and John did a great job of explaining the complexities of mortgage options in a clear concise manner. A definite reccommend to others looking for lending.
Apr 21, 2013

I was extremely impressed with John. He was very knowledgable of his products and genuinely cared about offering the best service. For a first time homebuyer, he made the process a lot easier and stress-free.
Feb 26, 2013

John was not only very knowledgable about the financing side of my purchase, but was able to walk me through each and every item included on the forms during the process and made it extremely easy to understand. I would recommend him to all those that are looking to purchase a home or re-finance a current property.

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NMLS ID #396563
I am authorized to do business in the states of Maryland, New Jersey and Pennsylvania. Licensed by the N.J. Department of Banking and Insurance;