The Bojonny Group W/ Home Point Financial

Mortgage Lender serving Baltimore, MD

About The Bojonny Group W/ Home Point Financial

Modern Mortgage Corporation, based in Baltimore, Maryland, is a professional mortgage company dedicated to providing competitive rates and expert service across Maryland and potentially beyond. Founded by Clifton Rhea, who brings over 25 years of mortgage industry experience, the company prides itself on a customer-focused approach and local decision-making, aiming to offer the kind of expertise traditionally found only in much larger financial institutions.

The lender distinguishes itself by leveraging modern technology to streamline the mortgage process, promising faster closings with less documentation. They offer a diverse range of home loan products, including Conventional, FHA, VA, and various non-conforming options, catering to a wide spectrum of borrowers from first-time homebuyers to affluent clients with complex financial situations, such as self-employed individuals and newly graduated doctors.

Modern Mortgage Corporation is committed to making the home buying and refinancing experience seamless and positive for its clients. Their emphasis on competitive rates, personalized service, and efficient digital processes reflects their mission to modernize the mortgage experience with the borrower's convenience and needs at the forefront.

Company Information

Lender Type: Direct Lender
Headquarters: Baltimore, MD

Licensed In

MD

Certifications & Credentials

FHA ApprovedVA Approved

Digital Capabilities

Online Application
Digital Document Upload
E-Signature
Rate Calculator

Home Loan Products

Conventional Loan Programs

Loan Types:
ConventionalRefinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary ResidenceInvestment PropertySecond Home
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Special Programs:
Low Down Payment Program
Credit Tiers:
Good (680-739)Excellent (740+)

FHA Loan Programs

Loan Types:
FHARefinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 Employee
Income Verification:
Full Documentation
Special Programs:
Low Down Payment Program
Credit Tiers:
Fair (620-679)Good (680-739)Poor (580-619)

VA Loan Programs

Loan Types:
VARefinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeRetired
Income Verification:
Full Documentation
Special Programs:
Veteran Program
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)

Conforming Jumbo Loans

Loan Types:
JumboConventional
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondo
Occupancy Types:
Primary ResidenceSecond Home
Employment Types:
W-2 EmployeeSelf-EmployedBusiness Owner
Income Verification:
Full Documentation
Credit Tiers:
Good (680-739)Excellent (740+)
20%
Min Down Payment
80%
Max LTV

Non-Conforming Jumbo Loans

Loan Types:
JumboNon-QMPortfolio
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondo
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
Self-EmployedBusiness Owner
Income Verification:
Bank StatementFull DocumentationNo Income Verification
Special Programs:
Self-Employed Program
Credit Tiers:
Good (680-739)Excellent (740+)

Non-Conforming & Niche Programs

Loan Types:
Non-QMBank StatementAsset DepletionInterest-OnlyPortfolio
Rate Types:
Fixed RateAdjustable Rate (ARM)Interest-Only
Property Types:
Single-Family HomeInvestment Property
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
Self-EmployedBusiness OwnerInvestor
Income Verification:
Bank StatementNo Income VerificationAsset Depletion
Special Programs:
Self-Employed ProgramPhysician LoanAsset Depletion Program
Credit Tiers:
Poor (580-619)Fair (620-679)

Contact Information

947 Fell St F2
Baltimore, MD 21231
US

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Business Information

Category: Mortgage Lender
Location: Baltimore, MD
Status: Standard
Type: Direct Lender
NMLS ID: 109836
Profile Views: 1

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