Mary Anne Long, Caliver Beach Mortgage #1223976

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Mary Anne Long, Caliver Beach Mortgage #1223976 Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Mary Anne Long, Caliver Beach Mortgage #1223976, Estate agents, 500 Redland Court, Suite 300, Owings Mills, MD.

Loan Consultant | NMLS # 1223976
Caliver Beach Mortgage | NMLS # 1424347
(www.nmlsconsumeraccess.org)
Equal Housing Lender
I’m here to bring high-energy, passion, customer service, and expertise to ALL your financing needs!

Swipe through and tell me one of these didn’t hit a little close to home.Funny thing about this job. People come in talk...
10/18/2026

Swipe through and tell me one of these didn’t hit a little close to home.

Funny thing about this job. People come in talking about rates and loan amounts, and ten minutes later I’m hearing about what’s actually been bugging them: the rent that keeps climbing, the savings they’re scared to touch, the payment they’re afraid they can’t handle.

Which is honestly the smartest place to start. Because the best mortgage question isn’t “how much can I borrow.” It’s “what payment lets me keep living my life.”

That’s the number I build everything else around.

10/17/2026

Pay stubs tell me what you earn. Bank statements tell me where the down payment is coming from, and that it’s been sitting there minding its own business.

Different jobs, both required, no hard feelings.

Yes, I rank everything like a loan. Halloween never stood a chance.Full size bar people, you want one payment for 30 yea...
10/16/2026

Yes, I rank everything like a loan. Halloween never stood a chance.

Full size bar people, you want one payment for 30 years and you never want to think about it again.

Fun size people, you figured out that getting in the door beats waiting for perfect.

Candy corn people, you’ve been defending your choices since kindergarten, and as long as you have a plan for when that rate adjusts, respect.

Raisin people, everyone else assumed they didn’t qualify and you actually asked. Secretly a superpower.

Tell me which one you’re shopping for and I’ll run the numbers for you.

There is the version of this job where I answer your question carefully, and there is the version where I tell you what ...
10/15/2026

There is the version of this job where I answer your question carefully, and there is the version where I tell you what I would tell a friend.

The careful version is technically correct. The friend version is the one that keeps you comfortable after you move in.

The friend version sounds like this: just because the letter says you can borrow it does not mean your life can afford it.

That “free” lender credit has a price, it is just paid monthly.

None of that is rude. It is just the part people do not always hear, because “you’re approved” is the easier thing to say.

Send me your price range and I will give you the friend version of your numbers.

10/14/2026

FHA is a great loan. It is also not the right loan for everyone, and I would rather you hear that before you apply.

Who should probably skip it:

1. Buyers with strong credit and a solid down payment. Conventional may price better, and conventional mortgage insurance can come off once you build enough equity.
2. Condo buyers whose building is not FHA approved. If the building is not on the list, FHA may not work for that unit.
3. Anyone buying a house that needs big repairs before move in. FHA has property condition standards, and a rough house can hold up your approval.
4. Buyers shopping above the FHA loan limit in their county. Limits are set by county and updated every year.
5. Anyone buying a place they will not live in. FHA is for your primary home.

Who it is great for: buyers who need more flexibility on credit or down payment, and want a loan built for getting started.

The best way to know is to see FHA and conventional side by side on your own numbers. That comparison is the first thing I run for most buyers.

Honestly, my call history would not hold up well in court either. But every strange thing I say gets someone one step cl...
10/13/2026

Honestly, my call history would not hold up well in court either. But every strange thing I say gets someone one step closer to their keys.

Thinking about 🏡 buying? Let’s talk before you start touring homes.

10/12/2026

Please keep me in your thoughts
Nothing is wrong, I just want you to think about me when “just looking” becomes “what’s my payment 🏡
–

Please keep me in your thoughts
Nothing is wrong, I just want you to think about me when “next year” becomes “wait, why not now? 🏡

A great rate is worth fighting for. I will always tell you that.But nobody talks about their rate the day they get the k...
10/11/2026

A great rate is worth fighting for. I will always tell you that.

But nobody talks about their rate the day they get the keys. They talk about whether closing week felt calm or chaotic.

Here is what a good closing experience actually looks like:

1. You know what documents I need before I have to ask twice.
2. You hear from me before you have to chase me.
3. Your final numbers match what you were expecting, with no mystery fees.
4. Nothing new gets asked for the day before you sign.

If you are comparing lenders right now, ask each one how they handle the last two weeks before closing. The answer tells you a lot.

Pretty sure you have me confused with someone else.In my version of the dream, the documents come in on day one, the app...
10/10/2026

Pretty sure you have me confused with someone else.

In my version of the dream, the documents come in on day one, the appraisal comes back right where it needs to be, and you get the keys with zero surprises.

Anything scarier than that, I’m going to need you to keep to yourself.

10/09/2026

Down payment help isn’t always free money, here’s how to tell 👇



GRANT

Money toward your down payment or closing costs that usually does not have to be paid back.

Ask: Are there any conditions, like living in the home for a set time?



FORGIVABLE LOAN

A loan that goes away over time if you follow the rules, usually by living in the home for a set number of years.

Ask: What happens if I sell or refinance before it’s forgiven?



DEFERRED LOAN

No monthly payment now. The full amount comes due later, usually when you sell, refinance or pay off the mortgage.

Ask: When exactly is it due, and does the amount grow over time?



SECOND MORTGAGE

A second loan with its own monthly payment, on top of your first mortgage.

Ask: What is the payment, and what does it do to my total monthly cost?

The one question to ask before you accept any of them:

“Do I ever have to pay this back, and if so, when?”

Send me the name of the program you are looking at, and I will tell you in plain English which of these four it is.

Address

500 Redland Court, Suite 300
Owings Mills, MD
21117

Telephone

+14432864243

Website

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