Loans by Isis

Loans by Isis Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Loans by Isis, Mortgage brokers, Frederick, MD.

Loan Officer
NMLS #2663435
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Non-QM Loans
The goal is simple: put keys in your hand!

📍 Serving MD, and VA
💬 Let’s talk!

Weekend recap: open house edition. 🏡I hit up THREE open houses this weekend and y’all the pictures online don’t do these...
06/20/2026

Weekend recap: open house edition. 🏡

I hit up THREE open houses this weekend and y’all the pictures online don’t do these homes justice. Walked into a townhome that looked good in the listing photos and was even better in person. There’s just something about standing in a space, feeling the light, getting a sense of the flow that a screen can’t give you.

And the best part of the day? Running into two agents I’d actually met at previous open houses. That’s the part of this business I love. It’s not just transactions, it’s relationships. Seeing familiar faces, catching up, building something real in this market one open house at a time.

Of course I had to be a little extra and snap a pic of myself on the kitchen counter 😂 had to document the moment.

Listing details in the comments! Go check this one out for yourself. Photos are great, but you gotta see it in person to really get it.

If you’re out exploring open houses this weekend too, tag an agent you met along the way! 👇Homes by Samiat

06/17/2026

Three things nobody tells you before you start house hunting and one of them could cost you your deposit.

This is the stuff I wish more buyers knew before they fell in love with a house.

Questions? My DMs are always open. Let’s talk before you start scrolling Zillow.

I’ve been to two open houses recently one last week, one just yesterday. Both near the million-dollar range. And both ti...
06/15/2026

I’ve been to two open houses recently one last week, one just yesterday. Both near the million-dollar range. And both times I walked in expecting one crowd and walked out thinking about something totally different.

The people touring these homes? Late Gen X. Boomers. And I kept asking myself are they downsizing? Looking for privacy? A second home? A retirement move?

So I went and looked it up.

The median age of ALL homebuyers right now is 59. Repeat buyers are averaging 62. Boomers alone make up 42% of all home purchases happening in this market. Lcash or with so much equity they’re barely flinching at today’s rates.

First-time buyers? Only 21% of the market. The lowest it’s ever been since NAR started tracking in 1981.

Two open houses, two weekends in a row and l the data matched exactly what I was standing in the middle of.

If you’re a younger buyer sitting on the sidelines waiting for things to “calm down” I get it. But the people in those houses weren’t waiting. They built equity over time and now they have options that most people our age are still working toward.

Your path to those options starts somewhere. Might as well find out where you are right now.

📍 Maryland & Virginia

Questions? My DMs are always open seriously, no judgment, no pressure.

06/09/2026

Such an amazing open house I just wrote about it on my page. Check it out!

I was singing about the “I be dreaming about West Coast” on my way to a broker’s open this afternoon. 🎶My GPS had other ...
06/09/2026

I was singing about the “I be dreaming about West Coast” on my way to a broker’s open this afternoon. 🎶

My GPS had other plans. Sent me straight to Stoneridge Golf Course in Round Hill, Virginia. Not the house. The golf course. So I’m sitting there watching families out golfing on a Saturday morning thinking… okay Virginia, I see you.

I finally made it to the property — 17819 Yatton Rd — and honestly? Worth every wrong turn.

6,200 square feet. 5 beds, 5 baths. Custom built in 2023. The builder was on site today — he built this home AND the pocket properties around it. That’s not something you see every day.

The property is completely secluded. Gravel driveway. Nothing around it but land and sky. And the area surrounding it? I passed three farms on the way there — all of them had something going on this weekend. Festivals, music, agritourism. Stoneridge Golf Course right around the corner.

Round Hill is the kind of place people move to when they’re done compromising.

Listed at $1,899,000 — and for what you get, the land, the privacy, the custom build — it’s priced right for this market.

If you or someone you know is looking for space and privacy in Northern Virginia, let’s talk about what financing looks like at this price point.

Drop a 🏡 below or DM me. Link to the listing in the comments.

06/08/2026

Montgomery County has a program that a LOT of people don’t know about — and it could be the key to getting your first home.

It’s called the MPDU program. Moderately Priced Dwelling Units. Basically, it’s the county’s way of making sure people with moderate incomes can actually afford to buy a home here — not just dream about it.

Here’s who it’s for:
✅ First-time homebuyers (no home owned in the last 5 years)
✅ Household income between $40K–$116K+ depending on family size
✅ You need a pre-qualification letter for at least $150K — that’s where I come in

The homes are priced below market rate. Your mortgage payment stays fixed while rent around you keeps going up. And your property taxes are based on the MPDU value, not market value. That’s real savings.

The process involves 3 free online classes and a random selection drawing — so the earlier you start, the better.

If you live OR work in Montgomery County, you already have priority points. Don’t sleep on this.

DM me if you want to get pre-qualified — that letter is one of the first things you’ll need to apply. 🏠

🚨 Big News: VantageScore 4.0 Is Now Accepted for MortgagesThis is a game-changer for your buyer pipeline. Here's what yo...
06/05/2026

🚨 Big News: VantageScore 4.0 Is Now Accepted for Mortgages
This is a game-changer for your buyer pipeline. Here's what you need to know:

What happened: FHFA, HUD, Fannie Mae, and Freddie Mac have officially approved VantageScore 4.0 alongside FICO 10T as eligible credit scoring models for mortgage underwriting — the first new credit score models approved in decades.

Why it matters for your buyers:

VantageScore 4.0 can generate a score with as little as one credit account — no need for 6 months of history
It includes rent payment history, utilities, and other alternative data not captured by traditional FICO
An estimated 2.7 million new mortgage-eligible borrowers are now unlocked nationally
Rocket Mortgage — the nation's largest lender — has already adopted it

Who benefits most:

First-time buyers with thin credit files
Young adults who've been renting and paying in cash
Minority buyers: 51% of Black and Hispanic first-time buyers could benefit from expanded scoring
Clients who were previously told "you don't have enough credit history"!

June is National Homeownership Month — and USDA Rural Development holds a special place in my heart. 🌱🏡Before I was a lo...
06/02/2026

June is National Homeownership Month — and USDA Rural Development holds a special place in my heart. 🌱🏡

Before I was a loan officer, I was already deep in the USDA world. I had a garden plot in a county program, I’ve been in touch with USDA about farmland grants, and last week I literally moved livestock and equipment around a working farm — met a livestock guardian dog, walked the land, talked about water flow, soil, resources, and why that family bought what they bought. That’s my world.

So when USDA Rural Development kicks off Homeownership Month, I’m not just reposting a press release. I’m telling you — these programs are real, and they’re for real people.

USDA Rural Development has programs specifically for first-time homebuyers, working families, and anyone looking to put down roots in a rural community: 

🏠 Guaranteed Loan Program — USDA backs loans through private lenders so more families can buy in rural areas
🔨 Home Repair Loans & Grants — helps homeowners fix up properties to make them safer
🤝 Mutual Self-Help Housing — community-based construction grants
🌾 Direct Home Loan Program — loans directly to families to buy or build in rural America

If your dream looks less like a suburb and more like land, space, animals, and room to breathe — USDA financing might be the path you haven’t seriously considered yet.

Let’s talk about what homeownership — or land ownership — actually looks like for you.

📞 240-421-2908

(That’s a picture of my actual plot out in Frederick County)

Back in it! 🙌🏾Honestly, the past couple of weeks had me deep in mom mode — kids’ activities had me pulled in every direc...
05/29/2026

Back in it! 🙌🏾

Honestly, the past couple of weeks had me deep in mom mode — kids’ activities had me pulled in every direction. But this week I got back to the business and it felt SO good. 💪🏾 (the kid and the blue shirt is my daughter)

Here’s what I moved on this week:

✅ Warm outreach — reconnecting with people in my network
✅ Sent out info on Non-QM loan options to a few contacts who needed to hear it
✅ Dropped a market brief on TikTok — go check it out! This week I broke down the difference between QM loans (Fannie & Freddie Mac) — your traditional conventional loans with standard income and credit requirements — and Non-QM loans, which are designed for borrowers who don’t fit that cookie-cutter mold but absolutely still qualify… just in a different way. Think self-employed, 1099 earners, investors, or recent life changes. 🏡

If that sounds like you or someone you know, let’s have a conversation. There may be more options than you think.

📍 Loans by Isis | NMLS #2663435 | Licensed in MD & VA

🇺🇸 This Memorial Day, we pause to honor and remember the brave men and women who made the ultimate sacrifice for our fre...
05/26/2026

🇺🇸 This Memorial Day, we pause to honor and remember the brave men and women who made the ultimate sacrifice for our freedom.

Their courage, dedication, and selfless service will never be forgotten. Today, we stand united in gratitude for those who gave everything so we could live in liberty.

Let us remember, reflect, and honor their legacy—not just today, but every day.

🦅

Address

Frederick, MD
21701-21709

Telephone

+12404212908

Website

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