USDA Home Loan | Rural Development Loan | Rural Housing Loan

USDA Home Loans

  Talk To A Live Person Now – 443-624-9398

One of the greatest myths in America about buying a house is that you need money to put down and great credit. With a USDA loan you can buy a house with a 620 credit score and no money as long as the sellers are wiling to pay the closing costs. There are even ways to negotiate to cover the closing costs when sellers are not willing to pay them.

The main benefit of USDA Loans are the ability to buy a home with little or no money.  The second main benefit is that there is very low monthly mortgage insurance which saves thousands and even tens of thousands when comparing USDA vs FHA Loans.  Make sure to check the USDA guidelines for more info.

usda loan

No Money Down Loan


USDA Home Loans do not require a down payment, the seller can contribute up to 6% and there are plenty of other options to ensure YO U CAN LITERALLY BUY A HOSE WITH NO MONEY! How? Well once we get the closing covered you are entitled to your earnest money back at settlement.

Rural Development Loan


Another term for a USDA loan is a Rural Development Loan or a Rural Housing loan. These terms lead to the belief that you can only get a loan on houses in the countryside or sparsely populated areas. This is absolutely not true, there are many suburban areas with thriving communities. Check out our maps for USDA areas in the mid east. For other areas, please call 443-624-9398

Income and Location

The two things that set a USDA loan apart from others are the limits on household income and the location restrictions of the houses.

 usda mortgage companyUSDA Loan Specialist


As a USDA Loan Specialist I make my living helping home buyers become home owners using USDA or other home financing options.  The great thing about USDA Loans is the high USDA income limits and the vast amount of USDA eligible areas make this loan ideal for many.

What others have said


I would like to take this opportunity to thank you for the outstanding job you did for my clients the Kernslongs.

They called you to obtain a USDA loan that another mortgage loan officer said could not be done within the time frame that my clients needed.

Not only did you get them a loan commitment on time, you managed to save them additional money. Also, you helped my clients raise their credit score by helping them to correct some erroneous entries on their credit report.

Whenever I called you to inquire about the status of the loan process, you were more than willing to give me all and any updates that you had. There were times when things got a bit stressful, but you maintained your calm and professionalism.

I really appreciated working with you and I will refer you any clients that I have who need a USDA loan.

Keep up the good work.


JoAnn M. Alexander
Long and Foster Real Estate, Inc.

“I was really concerned about selecting the right lender, especially when moving out of state. Brian made the process simple and guided me through the unique requirements for the USDA Rural Development loan. Loan approval and closing was fast! Brian is proactive, responsive, and follows-through. I am pleased to have chosen Brian as my mortgage lender.”

~Lisa Thompson, Lusby Maryland

As first time home buyers, we were new to the whole process and although I had done a lot of research, there were still some things we were not prepared for. We originally worked with the lender that was referred to us by our realtor, and from the beginning there were problems with communication. We were very unhappy with the service and when we found our home, and decided we wanted to go with an USDA loan, she told us that it was impossible to close in time.

I did some more research and stumbled across Brian’s website. When I called him I had to leave a voicemail, but he called me back in less than half an hour. I explained to him our issues and concerns and he told me that he thought he could help us. He immediately began to work on our loan and the line of communication was ALWAYS open which was extremely important to us.

There were times when we were worried that things would not work out (some corrections had to be made on our credit report and the CC companies were dragging their feet), but Brian continued to reassure us that things would work out. As he promised, we were able to close on time with a USDA loan and just settled on the 15th.

At closing, the title officer there even stated that he normally doesn’t care for brokers, (* I am not a mortgage broker, I am a direct lender BM) but from what he knew of our deal, Brian had been on top of it and prepared throughout the entire ordeal. Closing was smooth sailing and we realize that we could not have done it without Brian’s hard work and dedication to helping families;
He was truly God-sent!


~Sherida K. Mount Airy MD

I want to thank you for being the only loan officer that said he could get a loan closed in one week and you did. I contacted about 10 loan officers and they all said it was impossible. My short sale listing was approved and the bank said it had to settle in one week or it was going to foreclosure. You said you could do it and you did. You saved the deal for everyone involved. Many thanks for doing what no other loan officer could do! That was a miracle!!!

~Debbie Balderson, O’Brien Realty

“Brian literally was only an e-mail or phone call away during the entire refinance. He explained the whole process along the way. I’ve used local companies in the past in buying a home and using Envoy Mortgage through Brian was just as easy even though they were miles away!

~Erin C. Newport News VA

Once again words just aren’t enough and people that may be in the same situation I was with RD or any other loan type need to know it’s a man out here like yourself that will educate them and fight on their behalf and deliver on what he says he can do! If there’s anything I can do to assist in helping you spread your expertise feel free to reach out and I’ll do my best to make it happen.

Today Brian Mayer has helped me realize my dream of once again becoming a homeowner. If there are any of you out there that require mortgage lending services, please seek the service of Brian Mayer if you truely want to become a homeowner. If not continue to go to the rest until you see the best!

~John Turnage Sr. Waldorf MD


5 Reasons to work with Brian Mayer

1. I am a USDA Loan Specialist – Most of my business comes from USDA Loans so I can answer the tough questions and know how to close tough deals.

2. I make my living by helping people and families get home financing –  This is how I feed my family, if I dont get you approved, I dont get paid.

3. Direct Lender – Envoy Mortgage is a direct lender with in-house underwriting and in-house financing so I have full control of your loan throughout the loan process.

4. I am accountable and available –  Unlike a bank or credit union, I make myself available after hours and weekends when you need me.

5. Credit Repair – 7 out of 10 buyers who call me are not credit qualified so I created a system that includes a team of experts that are available to you.


Improve Your Credit Score

7 out of every 10 buyers who calls me are not credit qualified to purchase the first time. To fill this need I surrounded myself with a team of experts that includes a credit repair specialist and a financial coach.

I will personally create you a “Road Map To Home Ownership.”  My goal is to get your credit up as fast as possible with the least amount of effort.  Everyone is different and needs a different solution, what do you have to lose?


Learn How To Improve Your Credit Score


To discuss your options or learn more about USDA Loans, talking is still free 443-624-9398

rural development loan

NMLS #224624