Buying your first home is one of the biggest decisions you’ll ever make. We’re here to make sure you make it with confidence, clarity, and the right team behind you.
We’re Gladden Global Network, a veteran owned real estate agency serving buyers across Maryland, DC, and Virginia. Buying your first home comes with a lot of unknowns, and our job is to remove them, one step at a time, so you always know what’s happening and why.
The home buying process can feel overwhelming when you are doing it for the first time. There are lenders, inspections, contracts, and negotiations all happening at once. Our job is to simplify every step and make sure you never feel lost or alone in the process.
From your first conversation to the day you get your keys, we are with you.
We start by understanding your goals, your timeline, and what homeownership means to you before we talk about anything else.
We connect you with trusted lenders and help you understand exactly where you stand so there are no surprises down the road.
Getting pre-approved puts you in a position of strength. We help you navigate the process and get ready to move when the right home appears.
We curate homes that match your needs and budget and give you honest guidance on every property you consider.
When you find the right home we craft a competitive offer and negotiate on your behalf to get you the best possible outcome.
We are with you at the table and beyond making sure every detail is handled so you can focus on what matters most, your new home.
Maryland offers dozens of programs to help first-time buyers cover a down payment and closing costs. We’ll help you figure out which ones you qualify for.
State-run program offering low-rate loans plus down payment assistance for first-time buyers
Down payment assistance that can be paired with an MMP loan
Local assistance layered on top of state programs, eligibility and amounts vary by county (e.g. Prince George's, Montgomery)
Some employers match MMP down payment assistance dollar-for-dollar
* Program availability, amounts, and eligibility change and vary by county and lender. We’ll connect you with a trusted lender to confirm what you currently qualify for.
Less than most people think. Conventional loans can go as low as 3% down, and FHA loans as low as 3.5%. VA loans, for eligible veterans, can be 0% down. On top of that, Maryland has dozens of down payment assistance programs that can cover part or all of it. We’ll walk you through what you qualify for.
No. FHA loans typically only require a credit score in the high 500s to low 600s, and even conventional loans can work in the mid-600s. Your score affects your rate more than your eligibility. If it needs work, we can point you to a lender who’ll map out a plan to get you there.
Pre-qualified is a quick estimate based on what you tell a lender about your finances. No documents required, and it’s not a guarantee. Pre-approved means a lender has actually verified your income, credit, and assets and is ready to lend up to a specific amount. Sellers take pre-approval far more seriously, so that’s the one you want in hand before you start touring homes.
From your first search to closing day, most buyers are looking at 30 to 60 days once you’re under contract. The search itself (finding the right home and getting an accepted offer) can take anywhere from a few weeks to a few months depending on the market and how specific your must haves are. We’ll give you a realistic timeline once we know what you’re looking for.
Generally 2% to 5% of the purchase price, covering things like lender fees, title insurance, appraisal, and taxes. Some of this can be negotiated into the seller’s side of the deal, and several down payment assistance programs can help cover closing costs too. We’ll break down exactly what’s coming your way before you’re ever surprised by it.
Yes. VA loans let eligible veterans and active duty service members buy with 0% down and no private mortgage insurance, among other benefits. As a veteran owned agency, this is an area we know well. See our VA Loan page for the full breakdown.
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