Turning Mortgage Goals into Realities

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Mortgages

Whether you are a first time home buyer or purchasing a multi-million dollar home, you have found the right person. Ken Venick has over 30 years of experience in the mortgage loan business and can put you or your client in the right mortgage loan product for their unique needs.

Looking to purchase a home?

Looking for a lower rate on your current mortgage?

Looking to consolidate debt?

Looking to do home improvements?

Looking for a reverse mortgage?

We are your one-stop-shop to handle of all your mortgage needs.

We are locally owned and operated which means we don’t have the overhead of national firms. This allows us, in most cases, to save you money. And because we are the lender, it allows us to close your loan faster. Please call Ken Venick at 443-471-4310 to start your loan today.

Over $1 Billion In Closed Loans!

Licensed in Maryland, Washington DC, Virginia, New Jersey, Delaware, Pennsylvania, North Carolina, and Florida NMLS#138175

Join Our Growing List of Satisfied Home Owners!

Are You Ready to Get the Ball Rolling on Your Mortgage?

Get in Touch With a Mortgage Expert

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Home Purchases

Found a property you want to purchase or invest in? Let us get on the financing for you. First mortgages, second mortgages, we have you covered!

Refinancing

Considering Refinancing? Trying to get rid of a high-interest credit card bill? Need some extra money? We can help you there.

Renovation Loans

Considering Renovations? We have multiple programs for people with equity, no equity or low equity.

Commercial Mortgages

If you're an investor or business owner looking for a commercial mortgage for the purchase or refinance of a commercial property we can help!

Mortgage Rates

I have access to the latest mortgage rates and market trends that may indirectly or directly affect you. Find the best rates in Owings Mills!

Book a Free Consultation

Are you ready to take the next step in your property ownership goals? Get in touch with Ken today to get the ball rolling!

Apply for Your Perfect Mortgage Today

Fill out our quick application form now!

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Home Loan Programs

I am proud to offer my expertise on the following loan programs:

- - Home Purchase – Helping to simplify the most important purchase you will ever make
    - Conventional or Fixed-Rate Mortgage
    - FHA Financing
    - New Construction Loans
    - Manufactured Housing
    - Adjustable Rate Mortgages (ARM)
  - Refinance – Helping to lower your monthly payments and pay off your mortgage faster.
  - Home Equity – Helping you use the equity in your home to finance college tuition or consolidate your current debt.
  - Home Renovation and Improvement Loans – Helping you comfortably finance renovations and other improvements to your home that will improve the return on your investment.

If you aren’t sure which category you fall into, don’t worry! I am dedicated to not only finding the perfect financing for every situation but to educating my clients along the way.

Is Your Credit Score Where You Need it to be?

April 2, 2016

All About Credit Scores There’s a lot that is calculated into your credit score. If it’s not where you’d like it to be, we can help you to understand what you need to do to get it there. The first, and most important, number to understand is your actual score, and where it falls on […]

When to Refinance your Mortgage

April 4, 2016

There are many reasons why someone would refinance a mortgage. Some of those reasons could be: to replace an adjustable rate mortgage with a fixed rate, to settle a divorce or to eliminate FHA mortgage insurance. Some people choose to refinance because they could save thousands with a new interest rate altogether. Others do so […]

Adjustable vs. Fixed-Rate Mortgage

April 4, 2016

Differences Between Adjustable vs. Fixed-Rate Mortgage There are two types of mortgage interest rates, and your monthly payment can change drastically depending on which you choose. A fixed-rate mortgage is just that – a rate that doesn’t change. The most common terms for fixed-rate borrowers are 30 years and 15 years, but 10 and 20 […]

203k Loans and Renovating Without Equity

April 4, 2016

A 203k loan is a renovation loan for your home. If you want to buy a fixer upper, or you just want to remodel your current home, this is the type of loan that will help you to afford it. You can buy a home or refinance your current mortgage with this loan and it […]

Hear Ken on AHA Business Radio

June 23, 2016

Click the “play” button below to catch Ken Venick’s interview on AHA Business Radio! Ken shares his insights about the importance of maintaining your credit levels, about mortgage interest rates and about qualifying for a mortgage. If you have any questions, or any trouble understanding mortgage finance, listen here for Ken to clear things up:

Owings Mills Mortgage Rates - Owings Mills Market Update

June 19, 2017

How are Owings Mills mortgage rates affected by the national and local real estate market? How does the local real estate market effect my financing options as a buyer? As an Owings Mills mortgage lender, I pride myself on helping my clients discover the answers to these and numerous other questions. I believe that accurate, […]

Weekly Review - Week of June 19th

June 20, 2017

The stock market ended the week in “mixed” fashion with the NASDAQ Composite Index underperforming as investors locked in some profits in high-flying large-cap technology stocks. Selling was particularly noticeable in the so-called FAANG stocks – Facebook, Amazon, Apple, Netflix, and Google (Alphabet) that represent $2.36 trillion in market capitalization. Meanwhile, the Dow Jones Industrial […]

The FHA 203(k) Rehabilitation Mortgage

June 21, 2017

The FHA 203(k) Rehabilitation Mortgage is an easy to use mortgage program specifically designed for those who wish to make improvements on an owner-occupied home they own or would like to buy. Rather than having to obtain a separate loan to finance the cost of repairs (or walking away from a home they love because […]

Your Guide To Renovation Loans

June 21, 2017

Popular Types of Renovation Loans Renovation Loans are used to purchase or refinance a home in need of repairs. The cost of the repairs is bundled into the mortgage, making it simpler and easier to pay for needed home rehabilitation. WHAT TYPES OF HOMES MAY BENEFIT FROM RENOVATION LOANS? Distressed Properties Those that were in […]

Top Reasons to Buy a Home

July 24, 2017

Benefits and Reasons to Buy a Home As an experienced Owings Mills mortgage lender, I am proud to have helped countless individuals and families accomplish their dreams of affordable home ownership. Throughout my experience, I have come across clients with a number of different reasons for finally making the decision to purchase their own home. […]

Mortgage Education

Working in the same industry for nearly 3 decades has given me a great deal of experience and knowledge of the mortgage industry as well as other related financial industries. I am proud to be able to pass my knowledge along to the local community as I provide education on understanding credit, financial literacy and reverse mortgages. I am always looking out for the best interests of my clients, and I believe part of that is making sure they are educated enough to feel comfortable with every decision they make along the way. I am more than happy to explain each and every step of the process and hope it as simple and stress-free as possible for everyone!