New Home Purchases
Buying a new home does not have to be complicated. Let First Responders Service and Rewards (FRSR) walk you through the process and help save you money. We offer several loan programs including VA, FHA, Conventional, USDA, Fixed rates and Adjustable Rates. Let one of our loan officers help you choose the best program that fits your needs.
Your Steps to Homeownership with FRSR
STEP 1
Determine budget and save for a down payment.
Before you even start looking at homes for sale, it’s important to determine your needs and budget. Then start saving up for that down payment.
STEP 2
Get Pre-Approved
Apply for your mortgage with a loan officer. Know your buying power, monthly payment options, and show sellers that you’re serious with a pre-approval letter.
STEP 3
Connect with an agent, make an offer, and contract
Start house hunting! An agent knows your market and works with you to find your dream home on your budget. When you find your perfect home, present the seller a purchase contract with all the details.
STEP 4
Contingencies, appraisal, underwriting, close, move
Once an offer is accepted, the home needs to be appraised. Next, underwriters check over the financials before clearing you to close. Then it’s time to sign and move in.
Please contact us today to get pre-approved for a new home loan. Our mortgage broker will make your loan process quick and effortless.
Call David Kelly Today!
First Responders Service and Rewards and David Kelly, thank you very much for everything! You’re the only one I’ll be sending friends/family to in the future!
BRENDAN JORDAN
David Kelly, REALTOR
Refinancing works by giving homeowner’s access to a new mortgage loan which replaces their existing one
What are the benefits of refinancing my home mortgage loan?
- Reduce a monthly mortgage payment
- Take cash out for home improvements
- Take advantage of lower interest rates
- Cancel mortgage insurance premiums
- Payoff high interest credit cards
- Saving thousands over the life of your loan
- Your present mortgage no longer meets your current needs
Please contact us today to determine if now is the right time to refinance. You may be able to lower your monthly payments and pay off your mortgage faster. Our mortgage broker will make your refinances quick and effortless.
The Team
Amazing people behind First Responders Service and Rewards
David Thurston
Treasurer
Mr. Thurston is a wealth of knowledge and experience when it comes to the real estate industry and real estate law...
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David Thurston's Bio
David Thurston is a graduate of the University of Baltimore School of Business and the University of Baltimore School of Law. Mr. Thurston’s professional experience includes clients such as Real Estate Investment Trust, the State of Maryland, the Department of Housing and Urban Development (HUD) and Fannie Mae. Mr. Thurston is a wealth of knowledge and experience when it comes to the real estate industry and real estate law. He is known to be a trusted colleague, friend, husband and father.
David Kelly
President
As a Maryland native and a seasoned real estate professional, I recognize and value the trust my clients place in me...
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David Kelly's Bio
As a Maryland native and a seasoned real estate professional, I recognize and value the trust my clients place in me, and I strive every day to exceed their expectations. Outside of real estate, I take pride in giving back to the community by volunteering with Habitat For Humanity, Warrior Canine Connection and Toys For Tots.
Phone
(410) 660-7853
Homer Walton
Vice President
Homer knows that everyone has different financial goals, so he takes the time to fully understand each client’s situation in...
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Homer Walton's Bio
Homer knows that everyone has different financial goals, so he takes the time to fully understand each client’s situation in order to recommend the most appropriate mortgage solutions. Guaranteed Rate Affinity offers a full range of loan products and programs to fit specific financing needs, and he makes sure to have a thorough understanding of each. Homer’s first objective is to help clients make the best choice, but that is just one aspect of his elite service.