We are Spencerville Maryland’s #1 FHA loan lender. We are helping borrowers in Spencerville qualify for the best FHA loan to meet their borrowing requirements. An FHA loan is a government backed mortgage insurance by the Federal Housing Administration (FHA). Popular with first time homebuyers, FHA loans require lower minimum credit scores and low down payments.

FHA Loan Requirements Spencerville Maryland

  • A credit score of at least 580 for a 3.5% down payment
  • A credit score of 500 to 579 for a 10% down payment
  • Mortgage insurance that is offset due to lower FHA interest rates than a conventional loan.
  • FHA Debt to income ratio of 50% or less

Qualify for a 3.5% down FHA Home Loan. Use this application to prequalify and start shopping for your FHA Loan in Spencerville Maryland today! Purchase, Refinance, Cash Out Refinance.

According to an announcement by the FHA the loan limit for 2022 will be $420,680 for most of the country. The 2022 FHA loan limit for the high cost areas will be $970,800. Not just Spencerville, we are the best FHA Loan Maryland lender.

Contact us to find out what the loan limits in the county you would like to purchase in. Call now 800-826-5077

Prequalify now to see how much of an FHA Home Loan you can qualify for. 

Get Your Pre-Qualification Letter in 15 minutes

Benefits of an FHA Home Loan in Spencerville Maryland

About Spencerville Maryland

Spencerville is located in Montgomery County, Maryland, United States. Spencerville is 1 mile north of Cloverly. Spencerville has a post office with ZIP code 20868.

Living in Spencerville offers residents a rural feel and most residents own their homes. In Spencerville there are a lot of parks. Many young professionals live in Spencerville and residents tend to be liberal. The public schools in Spencerville are highly rated.

Major Attractions in and around Spencerville, MD

  • Maydale Nature Classroom (Park and garden)
  • Matthew Henson State Park (Creekside greenway with a paved trail)
  • Maydale Conservation Park
  • Rocky Gorge Reservoir (Recreational lake for hiking & fishing)
  • Sandy Spring Slave Museum (Museum, art and art museum)
  • Paint Branch (River)

Discuss Loan Options

I would like to discuss my loan options

Quick Apply

I would like to apply for my loan myself

apply home loan


I am shopping for a home and would like to pre-qualify for my price range.


hard money loan
Hard Money Loan

Best Hard Money Lender in Tampa

Hard money loans are real estate mortgage loans provided by non-bank lenders. There are numerous hard money lenders that provide rapid funding at competitive interest rates.

Read More »