01Flexible
Conventional
An option for a primary residence, second home, or investment property. Down payment and requirements vary by property use and borrower profile.
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Questions?Book your 20-minute callA loan that fits your story.
Every person has a different story, goals, and path. Whether you want to achieve the dream of owning a home or grow your investments, my purpose is to help you understand your options and move forward with a clear, approachable strategy designed around you.
Start hereI want to find my option
We explain the available paths in a clear and simple way.
Direct phone: (240) 790-4062Serving Maryland
- ✓Purchase
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Mortgage guidance in English and Spanish.Mayra Curbelo · NMLS #2642967
Real people behind your process
Your story comes first, with personal guidance and professional backing.
I’m Mayra Curbelo, and my purpose is to help you build wealth in Maryland clearly and without unnecessary complications. Whether you are looking for a home for your family or planning your next commercial investment, I take the time to listen to your story and understand your real goals.
Together, we create a financial strategy tailored to you, explained step by step in English or Spanish, so you can make each decision with confidence and peace of mind.
“I stay with you from our first conversation through closing, guiding you step by step so you know what comes next and have professional support throughout the process.”
Mayra CurbeloMortgage Loan Originator · NMLS #2642967
- No pressureInformation to decide at your pace
- No confusing jargonClear explanations in English or Spanish
- Real optionsTraditional and alternative programs
The backing behind your process
Stanley Chang
Broker · Mortgage strategy and structuringStanley brings extensive experience in reviewing scenarios, comparing loan programs, and working with different lenders. His experience is part of the strength of United Mortgage Plus: a team that shares knowledge, evaluates each situation from different perspectives, and works together to identify well-considered alternatives. Mayra works with you directly throughout the process, combining personalized guidance with the support of an experienced team.
Program matchingComparing paths for each scenario.
Lender negotiationsReviewing options within the available network.
Complex filesAdding structure and another professional perspective.
20+years serving the Washington metropolitan area
The Rate Factory LLCdba United Mortgage PlusNMLS #1038683 · MD Mortgage Lender License #06-20504Meet Stanley and his team Options for different paths
Residential, investment, and commercial programs
Not everyone reaches their goal in the same way. That is why I organized the options into four simple categories to help you recognize which paths we could explore based on your goals.
Better-known options
Traditional loans
Familiar options that generally verify income, credit, debts, and funds with standard documentation.
These include Conventional, FHA, VA, and USDA. Each program has its own requirements.02Flexible credit
FHA
Insured by the FHA. It may offer more flexible credit guidelines and a low down payment. Mortgage insurance and FHA and lender requirements apply.
03Up to 100%*
VA
For eligible veterans and service members. It may finance up to 100% with no down payment and has no monthly mortgage insurance. Eligibility and other requirements apply.
04Rural areas
USDA
For a primary home in an eligible rural area. It may finance up to 100% with no down payment when the household, property, and income qualify.
* About VA and USDA: “up to 100% financing” means some eligible borrowers and properties may not require a down payment. It may not cover closing costs, prepaid items, appraisal gaps, or other required funds. Subject to application, eligibility, credit, income, occupancy, appraisal, underwriting, program guidelines, and availability; this is not an approval or loan commitment. VA.gov · USDA Rural Development
Alternative qualifying paths
Alternative loans
Paths for people whose income documentation or situation does not fit a traditional loan.
Options may consider ITIN / Tax ID, bank statements, P&L, rental income, construction, or international documentation.01Tax identification
ITIN / Tax ID
Options for people who file taxes with an ITIN instead of a Social Security number. Down payment and documentation depend on the program.
02Business owner
Bank Statements
For self-employed borrowers and business owners. Bank deposits may be used to evaluate income instead of relying only on tax returns.
03Business owner
Profit and Loss Statement (P&L)
For business owners. A profit-and-loss statement shows how the business is performing. It generally must be prepared or validated by a Certified Public Accountant (CPA).
04Investment
DSCR
For investment properties. It compares the property's expected rent with its monthly mortgage payment instead of relying mainly on your income.
Ask about this option05Construction
Construction Loan
Finances the construction or rehabilitation of a home. Funds are generally released in stages as work progresses, and terms depend on the project and lender.
06International buyers
Foreign National
For eligible foreign buyers seeking to finance Maryland property. Documentation, assets, and down payment depend on the program.
For specific needs
Specialized financing solutions
Some products are not defined simply as Traditional or Alternative. They may help you use home equity or address a specific financing need.
Before choosing, I help you understand and review your options.01Purchase assistance
Down Payment Assistance (DPA)
Helps eligible buyers cover part of the down payment and, depending on the program, some closing costs. It may be offered as a grant or additional loan.
02Purchase and sale
Buy Before You Sell
Explore buying your next home before selling your current one through a strategy based on available equity and your financial capacity.
Ask about this option03Home equity
HELOC
A credit line secured by your available home equity. You can use funds within the approved limit; the rate and payment may change.
04Short term
Bridge Loan
Temporary financing that helps cover the time between buying one property and selling another. It is generally short term.
05Structure
LTV Stacking
Combines two or more financing sources on a property to reach a specific structure, subject to available equity and lender guidelines.
06Home equity
Reverse Mortgage
For eligible homeowners, it converts part of a home's equity into funds. The loan is repaid later, and property taxes, insurance, and maintenance must remain current.
For businesses and investors
Commercial and Hard Money loans
Financing for properties, businesses, or investment projects that do not work like a residential mortgage.
The review usually focuses on the property, the project, and its ability to generate income.01Properties
Commercial
For offices, retail spaces, warehouses, and multifamily buildings with five or more units. The property and its income often play an important role.
02Private capital
Hard Money Lending
Private capital, generally short term, for certain investments or projects. It often focuses on property value and may carry higher costs.
Let’s clear up your questions in a free 20-minute conversation.
Program availability and terms may change. References to FHA, VA, or USDA describe program types and do not imply government affiliation or endorsement of Mayra Curbelo, Tu Casa To Go, or The Rate Factory LLC.
Simple, human, and at your pace
How do we begin?
Tell me your goal
Reserve a secure initial consultation to talk about what you want to achieve. I handle your information with care and confidentiality and use it only to understand your situation and guide your first steps.
We review your options
Together, we evaluate the alternatives available in the market. I explain the solutions that can truly benefit you in clear, simple terms while looking after both your budget and your peace of mind.
You decide how to proceed
When we find the option you feel most comfortable with, we get started. We begin the pre-approval process, and I guide you step by step through the necessary documentation.
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Mortgage Information Center · Learn before you decide
Understanding your loan brings you closer to your goal
Buying or refinancing feels simpler when you understand the words, documents, and decisions along the way. Explore short guides, a clear glossary, and practical articles so you can enter each conversation with greater confidence. Content is educational and does not replace an individual review or legal, tax, or financial advice.
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A glossary without confusing jargon
Financial and process terms explained so you can recognize them with confidence.
Documents, step by step
Learn what may be requested, why it is used, and what it means.
Before making a decision
General guides to disclosures and important questions to understand before signing.