Mark Ferguson, Your Mortgage Professional, NMLS# 408119

08/07/2025

🏡 Real Estate Professionals, Builders & Architects – Let’s Build Something Great Together!

If you work in real estate, homebuilding, or architecture, you know how important it is to have a reliable, experienced lending partner by your side.

At WesBanco, I specialize in construction lending solutions that help bring your clients’ visions to life — whether it’s:

🔹 Buying Land
🔹 Building from the Ground Up
🔹 Tearing Down & Rebuilding
🔹 Renovating or Expanding

With a local approach and proven expertise, I’m here to make your process smoother and your projects more successful.

📲 Let’s connect! I’d love to be a resource on your next project.

08/23/2024

In the market to buy a home? There are recent changes related to the relationship with your realtor. Below is the outline of these changes directly from the National Association of Realtors! Feel free to contact me directly with any questions.

HERE’S WHAT THE NAR SETTLEMENT MEANS FOR YOU:

Buying a home is one of the largest financial transactions most people will ever
undertake. Agents who are REALTORS® are a trusted source of advice and stand
ready to help you navigate your homebuying journey and make the choices that
work best for you. NAR’s recent settlement has led to several changes that
benefit homebuyers, and we wanted to clearly lay them out for you.
Here is what the settlement means for homebuyers:

• You will sign a written agreement with your agent before touring a home.
• Before signing this agreement, you should ensure it reflects the terms you
have negotiated with your agent and that you understand exactly what
services and value will be provided, and for how much.
• The buyer agreement must include four components concerning
compensation:
a. A specific and conspicuous disclosure of the amount or rate of
compensation the real estate agent will receive or how this amount
will be determined.
b. Compensation that is objective (e.g., $0, X flat fee, X percent, X hourly
rate)—and not open-ended (e.g., cannot be “buyer broker
compensation shall be whatever the amount the seller is offering to
the buyer”).
c. A term that prohibits the agent from receiving compensation for
brokerage services from any source that exceeds the amount or rate
agreed to in the agreement with the buyer; and,
d. A conspicuous statement that broker fees and commissions are fully
negotiable and not set by law.

• Written agreements apply to both in-person and live virtual home tours.
• You do not need a written agreement if you are just speaking to an agent at
an open house or asking them about their services.
• The seller may agree to offer compensation to your agent. This practice is
permitted but the offer cannot be shared on a Multiple Listing Service (MLS)—
MLSs are local marketplaces used by both buyer brokers and listing brokers to
share information about properties for sale.
REALTORS® are members of the National Association of REALTORS®
• You can still accept concessions from the seller, such as offers to pay your
closing costs.
These practice changes will go into effect August 17.
Here is what the settlement doesn’t change:
• Agents who are REALTORS® are here to help you navigate the homebuying
process and are ethically obligated to work in your best interest.
• Compensation for your agent remains fully negotiable, and if your agent is a
REALTOR®, they must abide by the REALTOR® Code of Ethics and have clear
and transparent discussions with you about compensation. When finding an
agent to work with, ask questions about compensation and understand what
services you are receiving.
• You have choices. Work with your agent to understand the full range of these
choices when buying a home, which will help you make the best possible
decision for your needs

12/22/2022

08/26/2022

New construction in Northern Virginia, whether it starts from empty land or an existing structure, takes a significant investment.

05/19/2022

A big THANK YOU to Joel Barkman of Golden Rule Builders for sharing his vision of the importance of networking and working together in our real estate and building communities! Guns and Gratitude was the perfect atmosphere to congregate, collaborate, and share our thanks for the hard working folks who make housing a reality!

05/15/2022

Extremely proud to announce a new loan program dedicated to serving those who work tirelessly to support our local communities!

COMMUNITY HEROES

Ready to buy a home, but need help with your down payment? WesBanco's Community Heroes Program offers 100% financing on your home purchase. Available to Firefighters, Paramedics (EMTs), Police Officers, Teachers, Professors, Active Duty Military, Nurses and more*!
PROGRAM HIGHLIGHTS
Loan Types: 5/1, 7/1, 10/1 and 15/1 Adjustable Rate Mortgages

Owner occupied primary residences, single family/condo
125% rate discount for auto debit from a WesBanco checking account

Extended rate locks available**

3% seller concession allowed

Maximum loan amount of $647,200

Contact me to learn more!

Mark Ferguson
NMLS # 408119
Mortgage Loan Officer
44084 Riverside Parkway #120
Leesburg, VA 20176
Office: 301-674-5851
cell: 301-674-5851
www.yourfergusonteam.com

WesBanco Bank, Inc. is a Member FDIC
* Teachers must be full-time, state certified and currently employed. Also open to National Guard and reserve members.

** Additional deposit may apply.

All loans subject to credit approval.

05/09/2022

What an amazing evening with more videos and pictures to follow! The Ferguson Team at WesBanco proudly held our first Guns and Gratitude event, the first of its kind to say THANK YOU to the hard working leaders of our local building and real estate community for their commitment and dedication to serving the needs of the housing community and allowing us to be part of what they do. A HUGE shout out to XCAL for hosting our event and to the teams at Champion Title and Terra Stoneworks for their generous contributions, as well as Erin Baroody for incredible video and photo production work that I’ll proudly share more of shortly.

02/21/2022

Planning to buy or build a new home? Renovate your existing one? Worried about mortgage interest rates?

You're under contract to build a new house but it won't be complete for several months....

You're planning to build a new custom home on your lot, buy land and build, or renovate your existing home... but it will take a few months to develop building plans...

What can you do to secure your interest rate in a rising rate environment?

The Ferguson Team at WesBanco has the answer!

Lock your interest rate for up to 360 days!

* Available for WesBanco purchase and construction loan programs!

* Up front lock fee refundable at closing (credit toward closing costs)!

* Free float down if rates are better within 30-60 days of closing!

* Free float out to different loan program within 30-60 days of closing!

* Call or message me for details on available products!

11/24/2021

Happy Thanksgiving! 🍁🦃