Maryland Home Loans

You Are About To Discover Valuable Tips To Help You Make An Informed Decision About Maryland Real Estate & Mortgage Financing

Voted the Best Mortgage Company in Maryland

Dear Future Homeowner,

My name is Michael Mandis and I want to thank you for taking the time to visit my website. I guarantee you'll find plenty of helpful information to assist you in purchasing your new home or refinancing your current Maryland home loan. I am a Maryland mortgage consultant, serving all of Maryland, and the surrounding communities.

FREE Home Buying Guide Reveals Insider Tips Other Mortgage Brokers Don't Want You To Know...
Cockeysville Home Loans - Cockeysville Mortgages, Cockeysville Real Estate

Purchasing a home is most likely the largest financial transaction of your life. Unfortunately, most people enter into this transaction blindly and make mistakes that may cost them tens of thousands of dollars over the lifetime of their loan.

Although sharing these secrets may not make me popular with the other Maryland mortgage lenders, I am more concerned that you have all the information you need to make an informed decision when shopping for a mortgage. So, I have created a free guide that contains extremely valuable information designed to help you avoid costly mistakes when navigating the mortgage loan process.

To receive this free guide and other home buying tips, simply fill out the fields below and I will send you your first insider secret by email immediately.

By supplying me with your email address, you are granting your permission for me to communicate with you personally via Email, Phone or SMS Text. We will not rent or sell your information. Message and data rates may apply. Every email sent will have a link to automatically opt you out of the mailings.


Maryland Home Loans

If you're planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property or looking for Maryland home loans, you will find that this site is a complete resource full of insider secrets that will allow you to choose the Maryland mortgage program best suited to your financial needs.

Maryland Mortgages

I make it fast and easy for all kinds of people-including first-time homebuyers, small business owners, and homebuyers with perfect or less-than-perfect credit to get the Maryland home loan you need for the home you want.

Maryland Real Estate

Make sure you register to receive my Free Homebuying Guide and Insider Mortgage Reports, browse my Resources section, fill-out a FREE No-Obligation Secure Online Loan Application, or call me in my office at (410) 683-1500. I am here to help you with all your Maryland home loan needs.

Got a Quick Real Estate or Mortgage Question?

Click the "Ask A Question" button below to send us a message by email or feel free to call my office at (410) 683-1500.

Maryland Home Loans - Maryland Mortgages, Maryland Real Estate

Before you leave, make sure you review the Maryland Home Loan Buying Resources, Insider Reports and Maryland Mortgage Calculators. All are designed to help guide you through the home buying process so you avoid making costly mistakes.

Maryland Real Estate Reports:

Below, I have included an example of one of our FREE reports that can help you understand credit scores:

To have the best chance of improving your credit score you will need to have a good understanding of how it is calculated as that will help you to decide on the actions you need to take.

A credit score is a numerical calculation based on a number of factors that helps Maryland mortgage lenders decide whether you are a risk to lend money to for your Maryland home loan.

The numbers generally range from 300 to 850 and allow lenders to see how well you are at paying off your debts.

The higher this number is the more likely you are to get credit for your mortgage loan and you will also usually get it at lower interest rates because of the fact that you will be regarded as a lower risk for repayment.

If your score falls below 600 you will probably have trouble getting credit for Maryland real estate and if you do you will be expected to pay higher mortgage rates due to the risk involved.

Scores over 720 are regarded as excellent and you can expect to get good Maryland loan rates.

This is just a guideline as some mortgage lenders place more importance on credit scores than others and while you might have difficulty getting credit with one lending institution that is not to say you will have difficulty with all of them.

Often you can discuss your situation with the Maryland lender even when you have a low score and still get them to finance you at reasonable rates.

Sometimes they will look at your whole credit history and take that into account rather than just the current poor score.

Your credit score comes from the calculations that are determined by the credit bureaus and are based on mathematical data that is arrived at from your credit report information that is supplied to the bureaus from people who have lent you money and from people you owe payment of bills to.

Whichever Maryland mortgage broker you decide to work with, you should be able to receive a copy of your credit report from them to review and check for any errors.

You have the right, under the Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file.

If you have had credit problems, be prepared to discuss them honestly with your Maryland mortgage professional and come to your application meeting with any necessary written explanations.

Responsible Maryland mortgage professionals know there can be legitimate reasons for credit problems, such as unemployment, illness or other financial difficulties.

They should be there to help you get your home loan. 

For a free no-obligation consultation regarding your credit or any other mortgage or real estate questions, please don't hesitate to call me at (410) 683-1500.

We service clients statewide, including every city and town in Maryland. 
Maryland Real Estate |Maryland Home Loan | Maryland Home Loans | Maryland Mortgage

"Mike has been my trusted mortgage source for my entire adult life (through two home purchases and a refinance), and has always been completely honest and forthright in our interactions. His team is truly interested in providing top notch service worthy of my personal endorsement to closest friends and family members. I look forward to working with Mike again in the future, and would highly suggest providing his team the opportunity to serve you if you're in the market to utilize their services. 5 Star, A++ all the way with The Mandis Team!"

Rick Harris
Pasadena, Md
"Michael and his team have been kind, honest and a pleasure to work with. Being a home buyer in this economy is scary enough as it is and to worry about dealing with lenders that are anything but honest and only about the bottom line make it even scarier. Michael and his staff did everything possible to make it easy to understand, make sure that we were comfortable and they were honest every step of the way. It's rare to find a lender who truly serves their customers and Michael is definitely that person. I cannot say enough positive things. We will be coming back for the rest of our lives and referring everyone we know because piece of mind in this day and age is priceless!!! Thank you Michael!!!!! Sincerely, Heather Sarandos"

Heather Sarandos
Timonium, MD
"Mike and Team, This message of appreciation is long overdue. I know my situation was somewhat unique and difficult in finding out for what type of financing my home was qualified. Your efforts were beyond appreciated and it is no exaggeration to say that without your help I would not be living where I am now. Mike, your professionalism, expertise, and attentiveness is unparalleled. You and your team were always available to answer questions and keep me updated with the latest developments. I never had to wonder what was going on or what would happen next. The feeling of comfort that comes with having people you know are truly looking out for your best interest is indescribable. A simple thank you is nowhere near sufficient but please know that I value all that you and your team did for me. -Levron Schuchalter"

Levron Schuchalter
Rockville, MD

I was referred to Mike Mandis at Alliance Mortgage when I was buying my first home over 15-years ago. Since then, I have used them again and referred them to family and friends. Friendly staff, responsive, and they do what they say they are going to do without the drama and headaches usually associated with getting a home loan. Highly recommended.

Ben Shapiro, Baltimore, MD

Alliance Mortgage Funding, Inc.
"Since 1993, we've helped all of our clients make all of the 
right mortgage financing decisions, for all of the right reasons." 


Michael Mandis
Certified Mortgage Planner®
 Certified Residential Mortgage Specialist®
Certified Militay Housing Specialist®
(410) 683-1500 ♦ Toll Free: (888) 786-1005
FAX: (410) 683-2250
 An Equal Housing Opportunity Lender

Alliance Mortgage Funding, Inc.
NMLS #130762
State License: MARYLAND #3166  & PENNSYLVANIA #25061
Michael Mandis NMLS #132976 | Craig Brindley NMLS #145398

Alliance Mortgage Funding, Inc.
111 Warren Rd. #10A
Cockeysville, MD 21030
(410) 683-1500