Mortgage Rates Rockville, Maryland, Home Loan, Mortgage, Refinance, Debt Consolidation, and other Lending and Mortgage Services by America Trust Funding

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Conventional Loans

Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac. Typically, conventional loans have better rates, terms and/or lower fees than other types of loans. However, conventional loans typically require a borrower to have good-to-excellent credit, reasonable amounts of monthly debt obligations, a down payment of 5-20% and reliable monthly income. Conventional loans are ideal for borrowers with excellent credit and at least a 5% down payment.

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FHA Loans

It's easy to understand why many people looking for a new home are turning to FHA insured loan programs. Because FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage. Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit.

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Refinance Loans

Refinancing a home mortgage can be a big decision for many homeowners. Your situation and needs change over time so why shouldn’t your mortgage? Now might be the right time for you to refinance into a lower rate mortgage. You should take the time to consider the following questions to see if refinancing makes sense for you.

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We offer the assistance you need to help in all of your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process.

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Our experienced mortgage professionals are waiting to go to work for you and secure the best possible loan to meet your mortgage needs!

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What Our Customers Say About Us

Rating

4.8

33 reviews

Freddy is amazing to work with. He is very responsive, detailed, and upfront. He lays out all of the best options for you situation and even helps you ...

Freddy is amazing to work with. He is very responsive, detailed, and upfront. He lays out all of the best options for you situation and even helps you make your financial situation better! Definitely would recommend. Freddy fights for his clients

1 year ago

Posted on Google

awesome lender to work with Helio and his team are extremely knowledgeable and professional would highly recommend them to anyone looking for a loan.

awesome lender to work with Helio and his team are extremely knowledgeable and professional would highly recommend them to anyone looking for a loan.

1 year ago

Posted on Google

Excelente servicio, el señor Fredy y su equipo de trabajo muy profesional, muy bien informados. Gracias por la ayuda!

Excelente servicio, el señor Fredy y su equipo de trabajo muy profesional, muy bien informados. Gracias por la ayuda!

Thania Ruiz Pineda

1 year ago

Posted on Google

Mi experiencia trabajando con Freddy Cova haciendo la transacción de mi casa fue sencillamente excelente. Me ayudo a conseguir lo que necesitaba en el ...

Mi experiencia trabajando con Freddy Cova haciendo la transacción de mi casa fue sencillamente excelente. Me ayudo a conseguir lo que necesitaba en el tiempo que lo necesitaba y cuando nadie más me pudo ayudar el lo hizo posible. Gracias Freddy. No dudo en seguir recomendando a mis amigos y familiares para que trabajen contigo.

Michelle Vasquez

1 year ago

Posted on Google

Let me start by saying, Freddy Cova and his team were a godsend. My family and I have been working with Freddy and his team for over 10 years now with ...

Let me start by saying, Freddy Cova and his team were a godsend. My family and I have been working with Freddy and his team for over 10 years now without them our dreams of owning a home would’ve never happened when it did. Not only has he helped us with buying our home but also moved us into the path of financial literacy. They go step by step with you and your family on how to get your credit and finances in order to better mine and my family’s life. Not only is Freddy the best mortgage broker but has become part of my family. Trust and believe, you will not go wrong in starting a relationship with American trust funding.

1 year ago

Posted on Google

My experience with Freddy Cova America Trust Funding was excellent. They explain it to you completely, step by step, and the process. I would recomme ...

My experience with Freddy Cova America Trust Funding was excellent. They explain it to you completely, step by step, and the process. I would recommend them 100 percent.

1 year ago

Posted on Google

Freddy and his team at America Trust funding were very professional walked me through the whole process of refinancing, Freddy was very professional a ...

Freddy and his team at America Trust funding were very professional walked me through the whole process of refinancing, Freddy was very professional and kept inform of whom was going to be contacting me for information. This made feel confident of him and American Trust Funding. I would 100% recommend Freddy and team. Thank you

Morena Salvador

1 year ago

Posted on Google

Freddy Cova , it has an excellent team that helps us step by step to process all the steps to obtain your loan . It is one of the best in the DMV are ...

Freddy Cova , it has an excellent team that helps us step by step to process all the steps to obtain your loan . It is one of the best in the DMV area .

1 year ago

Posted on Google

Nuestra experiencia con América Trust Funding, fue excelente con el Señor Freddy Cova muy profesional en su trabajo desde que empezamos hasta que hiz ...

Nuestra experiencia con América Trust Funding, fue excelente con el Señor Freddy Cova muy profesional en su trabajo desde que empezamos hasta que hizo el cierre. Gracias a Dios muy Bendicidos porque por medio de ellos logramos nuestro sueño. Recomendamos al Sr Freddy Cova y su equipo de trabajo. Bendiciones.

1 year ago

Posted on Google

Recomiendo 100% este lugar y al señor Freddy Cova, gracias a él pude obtener el prestamo para mi casa de una manera rápida y sin tanto estrés, gracias ...

Recomiendo 100% este lugar y al señor Freddy Cova, gracias a él pude obtener el prestamo para mi casa de una manera rápida y sin tanto estrés, gracias Freddy por su honestidad y profesionalismo.

1 year ago

Posted on Google

Fredy Coba is a great human being, he helped guide me throughout the process when I bought my house, he has always been there to answer any questions ...

Fredy Coba is a great human being, he helped guide me throughout the process when I bought my house, he has always been there to answer any questions ,I have recommended him to friends and family and I will continue to recommend him 100% recommended

1 year ago

Posted on Google

Helio at ATF has done my mortgages since my first purchase in 2010! Very professional and competente! The best in the entire DMV! Highly recommend

Helio at ATF has done my mortgages since my first purchase in 2010! Very professional and competente! The best in the entire DMV! Highly recommend

1 year ago

Posted on Google

Les recomiendo 100% a Freddy Cova Es muy profesional y amo su honestidad es una Excelente persona Mi Familia y yo Estamos muy agradecidos con el apoyo ...

Les recomiendo 100% a Freddy Cova Es muy profesional y amo su honestidad es una Excelente persona Mi Familia y yo Estamos muy agradecidos con el apoyo que nos dió al principio y hasta el final qué Dios me los guarde Siempre para qué él pueda seguir ayudando a más Familias cómo ayudo a la mía Estoy infinita mente agradecida con él y con Dios por poner personas buenas en nuestro Camino se los recomiendo America Trust Funding

1 year ago

Posted on Google

El señor Freddy Cova nos fue de gran ayuda para obtener el préstamo para mi casa, le estoy muy agradecida por su profesionalismo y gran paciencia, lo ...

El señor Freddy Cova nos fue de gran ayuda para obtener el préstamo para mi casa, le estoy muy agradecida por su profesionalismo y gran paciencia, lo recomendé con toda mi familia y amigos.

1 year ago

Posted on Google

I recommend it 100%, Fredy is very professional and I love his honesty. I love hearing his advice before, during and even after purchasing a property. ...

I recommend it 100%, Fredy is very professional and I love his honesty. I love hearing his advice before, during and even after purchasing a property. My family and friends who have had the experience of buying with them are more than grateful for the excellent service they have offered us in the purchase of all the properties that many of us have as homes today. Lo recomiendo 100%, Fredy es muy profesional y amo su honestidad. Me encanta escuchar sus consejos antes, durante e incluso después de haver realizado la compra de una propiedad. Mi familia y amigos que han tenido la experiencia de comprar con ellos están más que agradecidos , por el excelente servicio que nos ha ofrecido en la compra de todas las propiedades que hoy muchos tenemos como hogar.

1 year ago

Posted on Google

I’m glad to have done businesses with this American Trust Funding. They are very professional and worked with us in very step of the way. I will defin ...

I’m glad to have done businesses with this American Trust Funding. They are very professional and worked with us in very step of the way. I will definitely do business with them again.

1 year ago

Posted on Google

I’ve had the opportunity to get my mortgage needs taken care by America Trust funding more than once and I have always been very satisfied with the pr ...

I’ve had the opportunity to get my mortgage needs taken care by America Trust funding more than once and I have always been very satisfied with the process from the beginning consultation until the closing date. The entire team is very professional and pleasant to work with. They care about their customers needs and concerns, there are no hidden costs or extra fees, but most important, they tried always their best to get the best deal to their clients. I have compared with other companies in the area, and they are not a match for America Trust Funding. I have also referred friends and colleagues and they always thank me for referring their refinance or home purchases to them. I look forward to get my next home dream purchase from America Trust Funding. Thanks for keeping it real and helping our communities to reach their American Dream.

1 year ago

Posted on Google

I recently purchased my first home and America Trust Funding team was very helpful and upfront with all the processing details ..., I'm very happy wit ...

I recently purchased my first home and America Trust Funding team was very helpful and upfront with all the processing details ..., I'm very happy with their service and interest rate.

Adelaide Pereira

1 year ago

Posted on Google

I’ve worked with other Mortgage Companies in the past and I’m so glad I found America Trust Funding. They were very professional and by far got me the ...

I’ve worked with other Mortgage Companies in the past and I’m so glad I found America Trust Funding. They were very professional and by far got me the best rate than anyone I spoke with. The process was quick and easy. Which for me is more important than anything. Thank you for taking care of me!

1 year ago

Posted on Google

These guys make things happen. They are detail oriented and truthful to their clientele. I have bought two houses and several refis with them and I ca ...

These guys make things happen. They are detail oriented and truthful to their clientele. I have bought two houses and several refis with them and I can’t express how happy I was with all these processes. I have brought my family and friends to do business with them and the general consensus is always happy with the services provided. Just great.

Luis Bitencourt

1 year ago

Posted on Google