About Jay Franklin
Jay Franklin, Vice President, Mortgage Lending, has been originating mortgage loans in the Maryland area for over 25 years. Jay has received numerous awards throughout his career for his production and high level of customer service. He shares, "even after over 25 years of being in the mortgage industry, I still love helping buyers achieve their home buying goals. Whether helping clients purchase their first home, or assisting customers with second homes and investment properties, I truly enjoy my work and am honored to become their mortgage resource for a lifetime." Jay's work ethic was instilled in him early on and has helped him excel in the mortgage business. A lifelong Marylander, he was active in athletics growing up and continued through college. He explains, "The nature of the mortgage industry is competitive, and my background in playing and coaching sports has served me well." He adds, "In addition to helping people, I like that every day is different. It is a very fast paced industry and is by no means a 9 a.m. to 5 p.m. job." Jay's superior customer service and industry knowledge are additional traits that set him apart. He says, "I am available to clients no matter the time or day. The loan process can be as personal or impersonal as the clients prefer, but I enjoy interacting and meeting people. Our team gets everything upfront so the process is as smooth as possible from the initial application until the loan closes. It is a team effort. We work together to make each transaction a success." When Jay is not working with clients, he enjoys spending time with his wife, Kara, and two boys, Brooks and Tommy, and his chocolate lab, Hershey.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Lock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Guaranteed Rate Affinity cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate Affinity for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Guaranteed Rate Affinity does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity. Guaranteed Rate Affinity its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 170 Jennifer Rd, Ste 102 Annapolis MD, 21401