CJMT, Author at Chris Jordan Mortgage Team

Homebuyers reviewing mortgage and credit information

Don’t trust your online credit score

Last updated: September 12, 2026 CJMT

One of the most common questions I hear from homebuyers is, “Why is the mortgage credit score my lender pulled different from the score I see online?” The answer is simple: there is no single universal credit score. You can have many credit scores at…

Education Home Buyer Tips Mortgage 101 Purchase VA Mortgage

VA Home Loan Benefits for Veterans and Active-Duty Military

Last updated: September 12, 2026 CJMT

For eligible Veterans, active-duty service members and certain surviving spouses, a VA-backed home loan can offer valuable mortgage benefits. Eligible borrowers may purchase a primary residence with no down payment and no monthly mortgage insurance. VA loans can also offer competitive terms. In addition, borrowers…

Credit Tips Education Mortgage Advice Mortgage Planning

Credit counseling & debt management

Last updated: August 27, 2026 CJMT

Managing debt and improving your credit can be an important part of preparing for homeownership. If monthly payments are becoming difficult to manage, or credit issues are preventing you from qualifying for a mortgage, professional credit counseling may help you develop a plan. Credit Counseling…

Education Loan Origination Mortgage 101 Renovation

Purchase & Renovate In One Mortgage

Last updated: August 27, 2026 CJMT

Buying a home that needs repairs or improvements does not always mean you have to purchase the property first and find separate financing for the renovations later. A renovation mortgage can combine the purchase price of the home and eligible renovation costs into one mortgage…

D.C. Assistance Program Down Payment Assistance Expert Advise

District of Columbia HPAP & EAHP Programs

Last updated: September 12, 2026 CJMT

We are not currently participating in HPAP. Please consult with HPAP for a participating lender list. The Home Purchase Assistance Program (HPAP) is available to qualified applicants purchasing a primary residence in the District of Columbia. HPAP offers down payment assistance ranging from $16,000 to…

Mixed South Asian and East Asian family receiving house keys from a realtor

Down Payment Assistance Education First Time Home Buyers Maryland Mortgage Programs Prince Georges County Maryland Purchase

Prince George’s County Down Payment Assistance Programs for 2026

Last updated: September 7, 2026 CJMT

Prince George’s County introduced three homebuyer assistance programs in July 2026. Compare Pathway to Purchase, Homeownership Equity and Critical Workforce assistance.

Mortgage insurance and home financing costs

Education Home Buyer Tips Mortgage 101 Mortgage Insurance

Mortgage Insurance Explained

Last updated: August 28, 2026 CJMT

Mortgage insurance can make it possible to purchase a home with less than a 20% down payment. But many homebuyers are understandably confused about how it works, how much it costs and whether there are different ways to structure it. For many conventional mortgages with…

Self-employed mortgage borrower reviewing financial documents

Education Home Buyer Tips Mortgage Planning Self employed

Thinking of becoming self-employed? A few things to consider first…

Last updated: September 12, 2026 CJMT

Becoming self-employed can be a great career move. However, if you expect to buy a home, refinance or apply for mortgage financing soon, it is important to understand how that change could affect your qualification. Leaving a salaried or W-2 position does not automatically mean…

Closing Costs Down Payment Assistance Expert Advise Market Updates Mortgage Advice

MARYLAND OPPORTUNITY GRANT (DISCONTINUED)

Last updated: September 12, 2026 CJMT

The Maryland Opportunity Grant program is one of many programs offered by the state of Maryland through the Maryland Mortgage Program. The total grant amount is equal to 6% of the sales price. Can be structured to cover the entire down payment most if not…

Down Payment Assistance Expert Advise Market Updates Mortgage Advice

Montgomery County Offers up to $25,000 in Down Payment Assistance (DISCONTINUED)

Last updated: September 12, 2026 CJMT

Montgomery Homeownership Program II ------ PROGRAM CURRENTLY DISCONTINUED! The Montgomery Homeownership Program is a new initiative of the Maryland Mortgage Program in partnership with Montgomery County, which offers eligible homebuyers who purchase in Montgomery County up to $25,000 in down payment assistance. Eligible homebuyers can…

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