Flexible Mortgage Options for Maryland, D.C. & Virginia Homebuyers
TopOne Mortgage Inc is a Rockville-based correspondent lender serving homebuyers and investors throughout Montgomery County, Northern Virginia, and the greater Washington, D.C. metro area.
Because every borrower’s story is different, TopOne Mortgage offers far more than traditional financing. First‑time buyers can start with our conventional loans, while high‑net‑worth clients can go bigger with jumbo (high‑balance) financing up to $2.5 million. Investors love our DSCR loans, which qualify on a property’s cash flow—not your tax returns. Self‑employed professionals can leverage bank‑statement and other non‑QM programs for income flexibility, and international buyers can secure U.S. homes through our foreign‑national mortgages. We even serve clients without Social Security numbers via dedicated ITIN loan solutions. Whatever your scenario, our experienced lending specialists work closely with trusted underwriting partners to tailor a loan that meets your goals and timeline.
Conventional Loans
Low‑rate, 3 %‑down mortgages up to the conforming limit for primary, second‑home, or 1‑4‑unit investment purchases.
Jumbo Loans
Financing for luxury homes above conforming caps—loan amounts up to $3 million with fixed or ARM options.
DSCR Investor Loans
Qualify on rental cash flow (not tax returns) and borrow up to 75 % LTV for short‑ or long‑term rental properties.
Foreign National
Loan
Buy U.S. real estate with 25‑35 % down—no SSN, U.S. credit, or U.S. income required.
Frequently Asked Questions
Yes. We specialize in programs for self-employed borrowers, including bank statement and asset-depletion options, subject to lender approval..
Yes. We offer alternatives such as bank-statement loans and CPA/self-prepared P&L programs that may not require tax returns, depending on the program.
A DSCR loan qualifies based on the property’s cash flow—comparing rent to the proposed payment—rather than personal income. Ideal for investment properties.