• Do you do soft or hard credit pulls?

    We can do SOFT as well as HARD credit pulls.

  • How long do your Pre-Approval Letters take?

    We often have them completed within 15 minutes of when we receive the application, but 30-60 minutes is our typical turn time.

  • Does OPEN HOUSE LENDING have good reviews?

    Yes, our BBB and GOOGLE reviews are amazing. Please review what our previous buyers have been saying.

  • Does OHLC have lending programs for 2nd chance/minor blemishes on credit?

    Yes, we have several programs that allow for lower scores or minor blemishes. We've been helping families buy and refinance for 30 years.

  • Do you offer Investment loans?

    Yes, we have several Investment loan programs. For 1st time investors as well as seasoned Investors.

  • Does OHLC offer new construction loans?

    Yes, Construction to Perm.

  • Are buyers able to buy with Zero-Down payments?

    Yes, there are several programs out there with no down payments: VA, FHA, USDA.

  • Can a Veteran of the US military have more than 1 VA loan at a time with Open House Lending?

    Yes, we allow more than 1 VA loan at a time. It varies depending on several factors (loan limit, eligibility, to name a couple).

  • Does OPEN HOUSE LENDING only work in MD?

    No, we are licensed in MD, WV, PA, and soon DE, VA, FL, SC, and NC.

  • Do I need to have 20% for a down payment?

    No, we have as low as 0%, 3%, 3.5%, and 5%.

  • Do you have Self-Employed loans?

    Yes, we have had Self-Employment loans for 30 years.

  • Can you buy with less than 20% down and still avoid PMI?

    Yes, we have programs that do not have PMI.