Institution: Sandy Spring Bank

Contact: Jeff Starcher
Direct: 301- 617- 4204
Cell: 410-707-5651
Fax: 301-617-9245
Email: jstarcher@

Highlights include: True one time close construction to permanent financing | 90% no mortgage insurance 

 “In a continuing effort to help our clients, realtors and builder partners, I am happy to announce we have increased our maximum loan amount on the 90% financing to $1,500,000.  For well qualified buyers, 90% financing is available for both PURCHASE and CONSTRUCTION PERM financing in a single loan with no PMI.”Jeff Starcher, 2020

A pre-qualification letter will establish your overall budget for land, site work and home options.


Institution: Fulton Mortgage Company

Contact: Brian Morley
Direct: 410-423-8234
Cell: 410-710-7901
Fax: 410-423-8197
Email: bmorley@fulton

Highlights include: Up to a 24 month construction term, fixed and adjustable rates, low down payment options, flexible underwriting guidelines namely with applicants who own their current home.

“At Fulton Mortgage Company, a division of Fulton Bank, we have crafted a number of construction to permanent loan solutions to meet the needs of all of clients.  We offer a full suite of both fixed rate and adjustable rate products, with a flexible construction period of 10 to 24 months.  At Fulton Mortgage we understand the needs of construction applicants and have built unique products that allow for as little as a 5% down payment, and flexibility with applicants that own their current home.  We look forward to the opportunity to help you build and finance the home of your dreams.”
 – Brian Morley, 2020

A pre-qualification letter will establish your overall budget for land, site work and home options.

Institution: The Mya Group at Intercoastal Mortgage

Contact: Mya Tran-Harter
Direct: 703-364-5644
Cell: 703-851-1810
Fax: 888-643-1717
Email: mtran@icmtg.com

Highlights include: 18 month term with available additional 6 months if needed | Contingency fund for future upgrades, selections and unforeseen costs available | Flexibility with underwriting and loan structure including lower down payment requirements | FHA/VA construction financing available | Local Servicing

“With two construction loan products available and the ability to lock the rate for any product for your permanent financing, we understand everyone’s needs are different. We offer custom tailored financing because not everyone fits inside a box – just like no custom home is the same. Our construction to permanent loan and our construction only loan offer variety and flexibility. Experience matters – as Vice President of Construction Lending and over 23 years of expertise at your service, I am your partner the entire way through your project, including draw administration which is done from my office.” Mya-Tran Harter, 2020

A pre-qualification letter will establish your overall budget for land, site work and home options.



About Our Preferred Lenders:

We have searched for the most competitive construction-to-perm loan programs in the mortgage industry coupled with excellent service from experienced and qualified loan officers. The lenders we have selected offer the best in construction financing (for house construction, site work, permit fees, existing mortgage, etc), the option to defer payments through construction, low interest rates and more. Our lenders are always on call for you – so feel free to contact them and find out what program is best for you.


Builders Risk Insurance

All lenders offering construction to perm financing will require borrowers to obtain Builders Risk Insurance. These policies typically cover the structure, protect against liability, certain types of damage to the property, identity theft and even changing ordinances, during the duration of construction.

Institution: State Farm

Preferred Agent: Mindy Aguirre
Direct: 240-704-8400
Email: Mindy@

Talk to Mindy about insuring your build, and her experience working with Classic Homes.

Web: insurewithmindy.com


    9617 Overlea Dr, Rockville, MD 20850

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