Darren Ferlisi, Mortgage Loan Originator

Darren Ferlisi, Mortgage Loan Originator Darren Ferlisi, Mortgage Loan Originator
NMLSID #: 139611
Licensed in: MD, PA, VA, WV, DE, NC, FL and DC

Whether it is purchasing or refinancing, I would love the opportunity to help you with your mortgage loan needs!

Tap Into Your Equity This Spring | HELOC + Renovation IdeasSpring and summer are the perfect seasons to upgrade your ho...
03/13/2026

Tap Into Your Equity This Spring | HELOC + Renovation Ideas
Spring and summer are the perfect seasons to upgrade your home — and you may not need to move to love where you live.

With home values still strong, you might have equity you can use through a HELOC (Home Equity Line of Credit).

What is a HELOC?
It’s a flexible line of credit that allows you to borrow against your home’s equity as needed — similar to a credit card, but typically at a much more favorable rate.

Popular Spring & Summer Renovation Ideas:
• Outdoor living spaces (decks, patios, pergolas)
• Kitchen refresh or full remodel
• Bathroom upgrades
• New windows or energy-efficient improvements
• Landscaping & curb appeal upgrades
• Finishing a basement or bonus room
• Adding a home office

Why consider a HELOC?
• Access funds as you need them
• Only pay interest on what you use
• Improve your home’s value
• Avoid selling in a higher-rate environment

Before listing your home, consider upgrading it instead.

If you’re curious how much equity you may have — let’s run the numbers. A quick review could open the door to your next project.

Message me to explore your options!

Darren Ferlisi
[email protected]
(301) 448-0749

Integrity Home Mortgage Corporation is acting as a mortgage loan broker and the loan will be provided through a third-party lender.

Homeowners & Future Buyers — Here’s Some Good NewsMortgage Insurance may be tax deductible again for eligible taxpayers....
03/12/2026

Homeowners & Future Buyers — Here’s Some Good News

Mortgage Insurance may be tax deductible again for eligible taxpayers. That means if you purchased a home with less than 20% down and pay mortgage insurance (PMI, MIP, etc.), those premiums could potentially be deducted when filing your taxes.

For many buyers, mortgage insurance can help make homeownership possible sooner — and the return of this deduction could be another potential tax advantage of owning vs. renting.

Quick question:
Did you know mortgage insurance can sometimes help people buy a home years sooner instead of waiting to save 20%?

Comment YES or NO — I’m curious how many people knew this!

If you're thinking about buying a home or exploring your options this year, I’m always happy to answer questions and help you understand what programs might be available.

Darren Ferlisi
[email protected]
(301) 448-0749

Disclaimer: This information is for general educational purposes only and should not be considered tax advice. Tax laws and eligibility requirements can vary. Please consult with a qualified tax professional, CPA, or accountant to determine how this may apply to your individual tax situation.


Refinancing Isn’t Just About Lower RatesMany people think refinancing only makes sense when rates drop dramatically — bu...
03/11/2026

Refinancing Isn’t Just About Lower Rates
Many people think refinancing only makes sense when rates drop dramatically — but that’s not the full picture.

You may benefit from refinancing if you want to:
• Lower your monthly payment
• Eliminate mortgage insurance
• Shorten your loan term
• Access equity with a cash-out refinance
• Consolidate higher-interest debt
• Remove a co-borrower

There are options for primary homes, second homes, and even investment properties.

Let’s review your current mortgage and see if there’s opportunity — even in today’s market.

A quick review costs nothing… but could save you thousands.

Darren Ferlisi
[email protected]
(301) 448-0749

For informational purposes only. Please note by refinancing an existing loan, the total finance charges may be higher over the life of the loan.

Is Your Home Ready for Spring? (And Is Your Mortgage?)Spring isn’t just for cleaning — it’s for resetting.As the weather...
03/09/2026

Is Your Home Ready for Spring? (And Is Your Mortgage?)

Spring isn’t just for cleaning — it’s for resetting.

As the weather warms up, it’s the perfect time to take a fresh look at your home and your financial goals.

Spring Home Refresh Ideas:

• Deep clean & declutter
• Service HVAC system
• Power wash siding & driveway
• Clean gutters
• Touch up paint & landscaping
• Boost curb appeal

But here’s something most homeowners forget…

Spring Financial Check-Up:
• Review your current interest rate
• Check your home’s updated value
• Explore refinancing options
• Look at HELOC possibilities
• Evaluate if upsizing or downsizing makes sense

Many homeowners are surprised to learn how much equity they’ve built — and how that equity can create opportunity.

Spring is a season of growth!

Make sure your home — and your mortgage — are working for you.

If you’d like a quick equity review or mortgage check-up, I’m happy to help. No pressure, just smart planning.

Send me a message and let’s refresh your strategy.

Darren Ferlisi
[email protected]
(301) 448-0749

It’s 2026 and we have AI, robots, and self-driving cars…but we still manually change our clocks (some of them at least)....
03/08/2026

It’s 2026 and we have AI, robots, and self-driving cars…

but we still manually change our clocks (some of them at least).

Spring forward Sunday.

Pro tip: change your smoke detector batteries, update your coffee settings, and maybe book that Monday morning meeting a little later.

Brighter days (and busy season) are officially loading.

Darren Ferlisi
[email protected]
(301) 448-0749

Self-employed and equity-rich? You may not need to refinance to access cash.Our Bank Statement HELOC lets you: Qualify u...
03/06/2026

Self-employed and equity-rich?

You may not need to refinance to access cash.

Our Bank Statement HELOC lets you:

Qualify using bank statements

Keep your first mortgage intact

Make interest-only payments during draw

Access a revolving line of credit

Minimum initial draw: 80%* (min $100k)

Your equity could be your most flexible financial tool.

Let’s explore your options.

Must draw 80% at closing.

Not available for owner-occupied homes in TX or in TN. Integrity Home Mortgage Corporation serves as a mortgage loan broker and arranges loans through a third-party lender and does not make mortgage loan commitments or fund mortgage loans within this loan program.

Darren Ferlisi
[email protected]
(301) 448-0749

Integrity Home Mortgage Corporation is acting as a mortgage loan broker and the loan will be provided through a third-party lender.

Spring time is coming. Move Smart. This season, let’s talk real options — not myths.With HomeReady® and Home Possible®, ...
03/04/2026

Spring time is coming. Move Smart.

This season, let’s talk real options — not myths.

With HomeReady® and Home Possible®, you may qualify for:

3% down payment options

Reduced private mortgage insurance

Flexible income sources (including boarder/roommate income)

Non-occupant co-borrowers allowed

Designed for low-to-moderate income buyers

You don’t need 20% down. You just need the right strategy.

If spring has you thinking about a fresh start, let’s see what you qualify for.

For informational purposes only. Not all borrowers will qualify. Program availability and eligibility may vary by state and lender guidelines.

Darren Ferlisi
[email protected]
(301) 448-0749

Getting a tax refund? Don’t let it disappear on Amazon. Your tax refund could actually help you qualify for a home. If b...
03/04/2026

Getting a tax refund?

Don’t let it disappear on Amazon.

Your tax refund could actually help you qualify for a home.

If buying feels close, but not quite within reach, your refund might be the bridge that gets you there.

Here are 3 smart ways it could strengthen your mortgage strategy:

1) Boost your down payment

2) Cover closing costs

3) Buy down your rate

That $3K–$5K sitting in your checking account could:

§ Push you over minimum down payment requirements

§ Reduce the cash you need at closing

§ Position you for stronger loan terms

§ Potentially lower your monthly payment

Homeownership isn’t always about earning more — sometimes it’s about leveraging what you already have.

Before you spend it… let’s run the numbers and see if this spring is your moment.

Darren Ferlisi
[email protected]
(301) 448-0749

High income.Low savings.No help available?Or so you thought. • No income caps• No down payment required• 600 minimum cre...
02/26/2026

High income.

Low savings.

No help available?

Or so you thought.

• No income caps

• No down payment required

• 600 minimum credit score

Homeownership might be closer than you think.

Let’s explore your options.

For informational purposes only. All loans subject to qualification and underwriting approval. IHMC is not affiliated with FHA or any government agency.

Darren Ferlisi
[email protected]
(301) 448-0749

Did you know your assets can help you qualify for a mortgage — even without a traditional paycheck? With asset-based inc...
02/25/2026

Did you know your assets can help you qualify for a mortgage — even without a traditional paycheck?

With asset-based income, eligible savings and investments can be used to calculate qualifying income.

Retired, self-employed, or portfolio-heavy? Let’s see if this could work for you.

Darren Ferlisi
[email protected]
(301) 448-0749

Everyone seems to be watching rates. Savvy buyers are watching strategy. What does this mean?When the market shifts, opp...
02/23/2026

Everyone seems to be watching rates. Savvy buyers are watching strategy. What does this mean?

When the market shifts, opportunity follows — but only if you’re positioned correctly.

• Know your buying power.

• Understand your loan options.

• Be fully underwritten before you shop. Integrity, we call this getting pre-approved! You may also heard this as a TBD Loan.

Whether you're buying, refinancing, or just planning ahead — the right structure matters more than the headline rate.

If you want a personalized review of your scenario, let’s talk.

Darren Ferlisi
[email protected]
(301) 448-0749

Address

5300 Westview Drive, Ste 408
Frederick, MD
21703

Opening Hours

Monday 7:30am - 7pm
Tuesday 7:30am - 7pm
Wednesday 7:30am - 7pm
Thursday 7:30am - 7pm
Friday 7:30am - 7pm
Saturday 9am - 5pm

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