Our Services
Lone Tree Financial, Inc. provides a diverse array of programs, extremely competitive rates, and competent service - always with your best interests in mind. Following is a list of the basic services we provide.
Free financial consultation & analysis - a comprehensive review of existing real-estate 
financing status and/or prospective financing; credit report analysis with credit-score enhancement programs; and prequalification for home financing with reliable estimates of cash requirements and monthly payment.
Purchase money mortgages for home buyers - We have many options for financing your purchase of a new or existing home.
Construction Loans (up to 100% of land acquisition & cost of construction) - This financing is available for the construction of a new home. Construction- Permanent Loans convert automatically to permanent financing when construction is complete, eliminating the cost of a refinance.
Cash-out and No Cash-out Refinances for home owners - Improve the terms of your current mortgage, and perhaps take out equity for debt consolidation or home improvement.
Home Equity Loans & Fixed Second Mortgages - Access your equity now with a Second Mortgage, or have cash available when you need it with a Home Equity Line of Credit.
Rehab Loans – If remodeling or building an addition to your home, we have several loan options. Also, we provide financing for investors purchasing outdated or unfinished homes, and require funding for acquisition and improvement costs.
Lot Loans - Financing for land that has not been developed.
Investment Property and 2nd Home financing - We arrange financing for residential rental property and vacation homes, with an array of products that can best match your needs.
Commercial Lending - Lone Tree Financial will also find mortgages for business properties; including, Individual Office Units, Entire Office Buildings, Mixed Use Properties, Warehouse Space, Retail-Shopping Centers, Strip-Malls and much more.v
Multi-unit property financing - Financing is available for properties with 2 or more units.
Fixed rate mortgages and ARM’s - Fixed rate loans for 40, 30, 25, 20, 15, and 10 year terms. Adjustable Rate Mortgages (ARM’s) with rates that are fixed for the first 10, 7, 5, 3, and one year before any adjustment occurs.
Interest only mortgages - These mortgages allow interest only payments and a monthly option to prepay any amount of principle with no penalty. As you pay down the principle, your monthly interest and payment is reduced accordingly.
No-closing costs loans - First and Second Mortgages are available with all the closing costs credited at settlement.
Fannie Mae/ Freddie Mac Direct Underwriting Approved Broker - Lone Tree Financial, Inc. is approved by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac), to submit loans directly-electronically for faster (same-day) loan approvals.
These are a few of the financing services and mortgage programs we offer. Please contact us today to discuss your individual needs.
Licensed by:
State of Maryland- Department of Labor Licensing and Regulation
Maryland Liscense #5226
The Virginia State Corporation Commission
Virginia Liscense #MB-1322
The District of Columbia- Dept. of Insurance, Securities and Banking
DC Liscense #MLB-3347