--- title: "Mortgage Loans in Maryland | Nate Moghadam, NMLS #906770" description: "FHA, Conventional, VA, Jumbo & Non-QM loans in Maryland. Nate Moghadam (NMLS #906770) helps MD buyers in Baltimore, Annapolis & DC suburbs close fast." image: https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/raw_assets/public/nateloans/images/og-image.png --- [NateLoans](https://nateloans.com/?hsLang=en) [About](https://nateloans.com/#about)[Loan Types](https://nateloans.com/#loans)[Calculators](https://nateloans.com/#tools)[How It Works](https://nateloans.com/#process)[Reviews](https://nateloans.com/#reviews)[Blog](https://nateloans.com/blog?hsLang=en)[Contact](https://nateloans.com/#contact) [(617) 945-3632](tel:6179453632) [Get Pre-Approved](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) [Home](https://nateloans.com/?hsLang=en)[Mortgage Loans](https://nateloans.com/#loans)Maryland Nate Moghadam  ·  NMLS #906770  ·  Fairway Independent Mortgage # Mortgage Loans in Maryland From Baltimore row homes to Annapolis waterfront properties to the fast-moving DC suburbs, Nate Moghadam helps Maryland buyers get pre-approved fast and financed right — with every loan program available. [Start Your Pre-Approval](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) [Book a Free Call](https://calendly.com/natemoghadam/homebuyer-consultation) Licensed in Maryland 10+ Years Experience 5-Star Rated Direct Access to Nate Licensed in Maryland ## Your Local Mortgage Expert in Maryland I'm Nate Moghadam, a mortgage loan officer with Fairway Independent Mortgage Corporation, fully licensed in Maryland. I work with buyers across the state — from first-timers in Baltimore and the suburbs to government workers and contractors in the DC metro who need a fast, reliable pre-approval to compete in one of the most competitive markets on the East Coast. Maryland's proximity to Washington, D.C. means strong VA loan demand from veterans and active-duty service members in the region. I also see strong demand for Jumbo financing in Bethesda, Chevy Chase, and Annapolis, as well as Non-QM programs for self-employed borrowers and real estate investors throughout the state. Whatever your situation, I'll return your calls, explain every option, and stay on top of your file from application to closing. That's how I've built a 5-star reputation across every state I serve, including Maryland. - **All major loan types:** FHA, Conventional, VA, Jumbo, and Non-QM loans available in Maryland - **Fast pre-approvals:** Solid pre-approval letters that give you a real edge in competitive markets - **Direct communication:** Call or text Nate directly — no call centers, no voicemail loops - **On-time closings:** Agents and buyers across Maryland trust Nate to close on schedule [Book a Free Call](https://calendly.com/natemoghadam/homebuyer-consultation) [(617) 945-3632](tel:6179453632) ### Ready to Buy in Maryland? Get started today. Pre-approval takes minutes and there's no obligation. [Start Pre-Approval](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) [Book a Call First](https://calendly.com/natemoghadam/homebuyer-consultation) --- [(617) 945-3632](tel:6179453632) [nate@nateloans.com](mailto:nate@nateloans.com) --- Nate Moghadam · NMLS #906770 Fairway Independent Mortgage Corp · NMLS #2289 Equal Housing Lender Available Programs ## Loan Types Available in Maryland Every buyer's situation is different. Nate will help you find the program that fits your goals and finances. ### FHA Loans Great for first-time buyers. Down payments as low as 3.5% and flexible credit requirements. - Down payment from 3.5% - Flexible credit requirements - Government-backed [Learn About FHA](https://nateloans.com/fha-loans?hsLang=en) ### Conventional Loans Competitive rates, no upfront MIP, and down payments from 3% for qualified buyers. - Down payment from 3% - No upfront MIP - PMI removable when eligible [Learn About Conventional](https://nateloans.com/conventional-loans?hsLang=en) ### VA Loans Zero down payment, no PMI, and competitive rates for veterans and active-duty military. - 0% down payment - No private mortgage insurance - Competitive VA rates [Learn About VA](https://nateloans.com/va-loans?hsLang=en) ### Jumbo Loans Financing for high-value properties above conforming loan limits — common in Bethesda, Potomac, and Annapolis. - Above conforming limits - Competitive rates - Flexible underwriting [Learn About Jumbo](https://nateloans.com/jumbo-loans?hsLang=en) ### Non-QM Loans Self-employed? Investor? Flexible qualification for buyers who don't fit the standard box. - Bank statement programs - Investor cash flow loans - ITIN & alternative doc [Learn About Non-QM](https://nateloans.com/non-qm-loans?hsLang=en) Not sure which loan is right for you? [Book a Free 15-Minute Call](https://calendly.com/natemoghadam/homebuyer-consultation) Common Questions ## Mortgage FAQs for Maryland Buyers Straight answers to the questions Nate hears most from buyers in Maryland. Is Nate Moghadam licensed to offer mortgages in Maryland? Yes. Nate Moghadam (NMLS #906770) is fully licensed in Maryland through Fairway Independent Mortgage Corporation (NMLS #2289). You can verify his license at [NMLS Consumer Access](https://www.nmlsconsumeraccess.org/). What loan programs are available in Maryland? Nate offers FHA loans (3.5% down), Conventional loans (3% down), VA loans (0% down for veterans), Jumbo loans for high-value DC suburb and Annapolis properties, and Non-QM loans for self-employed buyers and investors. What's the minimum down payment to buy a home in Maryland? As little as 3.5% with an FHA loan (580+ credit score), 3% with a Conventional loan for first-time buyers, or 0% with a VA loan for eligible veterans. Nate will help you find the right fit for your savings and situation. How competitive is the Maryland housing market? Maryland's housing market — especially the DC suburbs in Montgomery County, Bethesda, and Potomac — is highly competitive. Government employment, federal contracting, and proximity to Washington, D.C. create consistent, strong demand. Properties often attract multiple offers above asking price. A **fast, reliable pre-approval** is essential, and Nate's reputation for on-time closings gives his clients a real edge with listing agents. How long does it take to close on a mortgage in Maryland? A typical purchase closes in **30–45 days** from accepted offer. Pre-approval can happen in 1–2 business days. Nate works proactively to hit your contracted close date — on-time closings are something his agent partners specifically rely on. How do I get pre-approved for a mortgage in Maryland? [Apply online](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) — it takes about 10 minutes. Or [book a free call with Nate](https://calendly.com/natemoghadam/homebuyer-consultation) to talk through your situation first. No pressure, no obligation. ## Ready to buy in Maryland? Talk to Nate directly — no forms, no call centers, no runaround. [Book a Free Call](https://calendly.com/natemoghadam/homebuyer-consultation) [Get Pre-Approved](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) ### Book a Free Call Pick a time that works for you. It only takes a minute. [NateLoans](https://nateloans.com/?hsLang=en) Nate Moghadam Fairway Independent Mortgage Corporation NMLS #906770 #### Loan Types [FHA Loans](https://nateloans.com/fha-loans?hsLang=en)[Conventional](https://nateloans.com/conventional-loans?hsLang=en)[VA Loans](https://nateloans.com/va-loans?hsLang=en)[Jumbo Loans](https://nateloans.com/jumbo-loans?hsLang=en)[Non-QM](https://nateloans.com/non-qm-loans?hsLang=en) #### Quick Links [About Nate](https://nateloans.com/#about)[Calculators](https://nateloans.com/#tools)[Blog](https://nateloans.com/blog?hsLang=en)[Book a Call](https://calendly.com/natemoghadam/homebuyer-consultation)[Get Pre-Approved](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) #### Contact [(617) 945-3632](tel:6179453632)[nate@nateloans.com](mailto:nate@nateloans.com)[Disclosures](http://bit.ly/FIMCDisclosures) © 2026 Nate Moghadam  ·  Fairway Independent Mortgage Corporation  ·  NMLS #906770  ·  Company NMLS #2289  ·  Equal Housing Lender  ·  [Disclosures](http://bit.ly/FIMCDisclosures) Powered by [michaeljwong.dev](https://michaeljwong.dev) This is not a commitment to lend. All loans subject to credit approval. Rates and terms subject to change without notice. ```json { "@context" : "https://schema.org", "@type" : "FinancialService", "areaServed" : "Maryland", "description" : "Mortgage loan officer Nate Moghadam (NMLS #906770) offers FHA, Conventional, VA, Jumbo, and Non-QM loans in Maryland through Fairway Independent Mortgage Corporation.", "name" : "NateLoans — Mortgage Loans in Maryland", "telephone" : "+16179453632", "url" : "https://www.nateloans.com/maryland-mortgage" } ```