Earl Geoghegan II, Mortgage Loan Officer - NMLS 453362

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Earl Geoghegan II, Mortgage Loan Officer - NMLS 453362 Your experienced local mortgage broker. This is not a guarantee to extend consumer credit as defined by Section 1026.2 of Regulation Z. Equal Housing Lender.

Earl Geoghegan is an award-winning Loan Officer who is committed to making the home loan process simple, clear, and timely and has been providing clients with a superior mortgage service since 1997. Programs, interest rates, terms and fees are subject to change without notice. All loans are subject to credit approval and property appraisal. Abiz Mortgage NMLS ID #1444377. Consumer access at www.nmlsconsumeraccess.org . Earl Geoghegan is Licensed in Maryland & Virginia.

11/02/2026

Veterans and military families, your VA benefit is one of the most powerful homeownership tools in America. But how much you get out of it often comes down to who is guiding you through the process.

Working with a certified VA loan professional means you have someone who fully understands entitlement, the funding fee, the VA appraisal process, and the strategies that help you maximize every part of your benefit. Certification is not just a credential. It reflects a genuine commitment to serving the people who have served this country.

As your certified VA loan advisor, I take pride in guiding veterans with precision, honesty, and care at every step of the home buying journey.

Text, call, or DM anytime for a free VA consultation. Follow along for more tips built specifically for veterans and military families navigating today’s market.

11/02/2026

We've all been there... scrolling through Zillow late at night and finding a house that looks perfect. But before you schedule that showing, let's make sure you're financially prepared to make an offer!

Here are 3 documents you'll typically need to get the mortgage preapproval process started:

✅ Your 2 most recent pay stubs – To verify your current income.

✅ Your last 2 years of W-2s or tax returns – Depending on how you earn your income.

✅ Your last 2 months of bank statements – To help document your funds for the down payment and closing costs.

Getting these documents together early can make the mortgage process much smoother and help you move quickly when the right home comes along.

💬 Not sure where to start? Let's talk!

I'm Earl Geoghegan II, Senior Mortgage Loan Officer and Certified Military Housing Specialist. I help homebuyers throughout Maryland, Virginia, and Pennsylvania understand their financing options and buy with confidence.

📞 (443) 585-0020
🌐 www.earlgeoghegan.com
NMLS #453362

📌 Save this video before you start house hunting!

10/30/2026

Veterans and military families have access to some of the most powerful home buying benefits available, and the smartest buyers make sure they are using every single one.

Zero down payment is the benefit most people know about, but it is just the starting point. Seller concessions can be negotiated to cover closing costs, which means veterans can often get into a home with little to nothing out of pocket. VA jumbo loan options open the door to higher priced homes that might otherwise feel out of reach. And second tier entitlement allows veterans to purchase another property while keeping their current home, which is a wealth building strategy most people do not even know exists.

These are benefits that were earned. My job as a certified VA loan professional is to make sure veterans actually use them to their full advantage, with complete clarity on every step of the process.

Text, call, or DM anytime for a free VA strategy session. Follow along for more tips built specifically for veterans and military families.

10/29/2026

If you are exploring your mortgage options, conventional loans remain one of the most popular and powerful tools available for a reason.

Conventional loans offer competitive interest rates and flexible down payment options starting as low as 3% for qualified buyers. Once you build enough equity, you also have the ability to remove private mortgage insurance, which can meaningfully lower your monthly payment over time.

What makes conventional loans especially versatile is that they work for primary homes, second homes, and investment properties all in one product. Whether you are buying your first home or expanding into real estate investing, a conventional loan can fit multiple stages of your journey.

The key is working with a lender who knows how to structure your loan for maximum long-term benefit. Text, call, or DM me anytime for a free consultation and let’s design a plan that fits your goals with total clarity.

10/28/2026

The market your buyers have been waiting for may actually be here right now.

NAR just reported September pending sales down 7.3% from August — the weakest contract volume on record. Asking prices have fallen for eleven straight months, price reductions are climbing, and Freddie Mac held rates flat this week while daily benchmarks are already drifting back toward the low 7s.

Chief economist Lawrence Yun says rates may be topping out. Realtor.com says the market buyers have been waiting for has arrived. Sixty-four percent of markets still saw prices rise in September, which means sellers have equity confidence — but buyers have negotiating power.

The play right now is straightforward: write the aggressive offer, ask for the credits, and keep the contingencies. Send me your buyers and I will run the payment scenarios so they can see exactly what buying today looks like. This window is open right now — and it will not stay open forever.

10/16/2026

Rates just blinked for the first time in weeks, and Baltimore buyers finally have some leverage. 👀

Here’s the Mid-Atlantic update:
📉 Rates: Freddie Mac’s 30-year has been stuck at a 3-year high of 7.40%, but the daily lender average just slipped to about 7.33%. That’s the first real relief we’ve seen this quarter. FHA and VA are running closer to 7%.
🏠 Baltimore market (Bright MLS, September):
Pending sales are down 15%
Active listings are up more than 20%
What that means for you as a buyer: you’ve got more room to negotiate than we’ve had in years. That includes asking the seller for a credit to buy down your interest rate, which can lower your payment from day one.

Agents: if you’ve got a buyer who’s worried about rates, send them my way. I’ll get them a same-day pre-approval so they’re ready to write an offer the moment the right home hits.

Let’s win this market together. 💪

📞 Office: (443) 585-0020 | Mobile: (443) 300-1339
📝 Apply: https://2562304.my1003app.com/453362/register
📅 Book a strategy call: https://api.leadconnectorhq.com/widget/booking/bOrDRDmDbmJf6dElm3uA
Earl E. Geoghegan II | Sr. Mortgage Loan Officer | Certified Military Housing Specialist
NMLS #453362 | Licensed in MD, VA & PA

10/16/2026

Think the Fed directly controls mortgage rates? Think again. While they influence the economy, your mortgage rate is tied to the 10-year Treasury yield and MBS, not just the federal funds rate. Your personal financial picture—credit score, down payment, loan type—plays a huge role. Want to know your real rate? Free pre-approval link in bio!

10/08/2026

Twenty percent of listings just cut their price. That is the highest we have seen in years and it changes everything for your buyers this fall.

Rates are back above 7 percent which scared off the casual shoppers and left your serious buyers with real negotiating power. Inventory is nearly back to pre-pandemic levels so buyers actually have choices again. Sellers are saying yes to concessions, buydowns, and closing cost help. And with contract cancellations at their highest since 2022 prepared backup buyers are winning homes right now.

Here is how your buyers win in this market.

A smart buydown strategy can turn today's payment into tomorrow's refinance win. Reframe the conversation around payment instead of rate. Reframe it around opportunity instead of fear.

The agents who win this season are the ones having that conversation right now while everyone else waits for perfect conditions that are not coming.

If you have buyers sitting on the sidelines send them my way. I will run the numbers that get them off the fence.

10/07/2026

The Fed just raised rates. Here is what it actually means for your mortgage and what most people get wrong.

Quick clarification worth understanding: the Fed does not set mortgage rates. The Fed controls the federal funds rate which is the short-term rate banks charge each other overnight. That rate affects credit cards, car loans, and HELOCs almost immediately.

Your 30-year mortgage rate is a completely different animal. It follows mortgage-backed securities and the 10-year Treasury which move based on inflation expectations, the job market, and where investors think the economy is headed.

So when the Fed hikes, mortgage rates do not automatically go up by the same amount. Sometimes they barely move. Sometimes they have already moved before the announcement because the market saw it coming and priced it in weeks earlier.

Here is what to focus on instead of the headline: your payment strategy. Seller concessions, a temporary rate buydown, the right loan program for your specific timeline. Those are the things that actually change your monthly number and they are all still on the table right now.

If you want to see what a purchase actually looks like for you in this rate environment send me a message and I will run the numbers. No pressure, just clarity.

10/01/2026

Some buyers may suddenly have more purchasing power in 2026 without changing a single thing about their income. Here is why.

New conventional loan limits are increasing which means the ceiling for conventional financing is moving higher. For many buyers this creates a bigger window of opportunity because they may now be able to purchase higher-priced homes while staying within conventional loan guidelines instead of having to move into jumbo financing.

Why does that matter? Conventional loans typically offer more flexibility, more competitive rates, and more program options than jumbo products. Staying within conventional guidelines can make a real difference in what a buyer qualifies for and what their payment looks like.

This is especially important for move-up buyers, buyers in higher-cost areas, and anyone who felt stuck between price points because of where the previous limits sat.

For Realtors the biggest takeaway is this: every time financing options expand new conversations open up. Now is a great time to reconnect with buyers who paused their search, past clients who have been thinking about moving, and homeowners who may finally be ready for their next step.

Understanding changes like this is how you bring more value to your clients and create more opportunities to grow your business.

Reach out anytime if you want to talk through what this means for a specific buyer or situation.

Address

9977 Old Annapolis Road
Ellicott City, MD
21042

Opening Hours

Monday 8am - 9pm
Tuesday 8am - 9pm
Wednesday 8am - 9pm
Thursday 8am - 9pm
Friday 8am - 7pm
Saturday 8am - 5pm
Sunday 8am - 12pm

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