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

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

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


Institution: First National Bank Corp

Contact: Jeff Schroll
Direct: 410-615-5641
Email: SchrollJ@fnb-corp.com

Highlights include: Choice of fixed rate or ARM products

“FNB’s one time close construction loan program is construction financing made easy. We offer 0point options on our full line of our construction loan products, you only pay points if you choose to. Applicants can choose one of our fixed rate products or select an ARM product, no need to worry about refinancing after construction. Qualified applicants do not need to sell their current home thus avoiding the hassle and expense of multiple moves.”
Jeff Schroll

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



Institution: The Mya Group at Intercoastal Mortgage, LLC

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

Highlights include: Extremely flexible guidelines, up to 24 month construction term available, VA financing available, Local lender with local servicing/draw administration.

“As SVP of Construction Lending at Intercoastal Mortgage LLC, I have a hands-on approach to the construction loan process and consider myself a true partner to my clients.  I am involved in every step of the construction loan, including being the point of contact DURING construction – clients are not passed on to a different department.  With a flexible product suite to meet the needs of our clients, we are solution oriented with a heightened commitment to the client experience.  Financing should be the easiest part of building a home, so clients can focus on designing the home of their dreams!”
– Mya Tran

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, and ever changing ordinances during the duration of construction.

Institution: Mindy Aguirre State Farm Agency

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

Highlights Include: Obtain your Builders Risk Policy that converts to a Homeowners Policy upon completion of your home. Flexible deductible and liability options.

“My agency has years of experience insuring new home construction projects and makes the process simple. We work closely with your builder to ensure we have the information we need to protect you during the construction process. We follow up with our clients all the way to when construction is complete. At that time your policy converts to a Home Owners policy. Ask me about my own experiences with the construction of a home with Classic Homes of MD.“   – Mindy Aguirre, 2021

Web: insurewithmindy.com


    12345 Briarbush Ln, Potomac, MD 20854

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