Conventional loans
Flexible financing for qualified primary-home, second-home and investment-property buyers.
Mortgage loan options · Winchester, Virginia
Find a home loan strategy that fits your goals.
The right mortgage depends on more than the rate. Joe helps buyers, homeowners and real estate investors compare payment, cash to close, flexibility, timeline and long-term priorities.
Buying a home
Choose a path built around the property and your qualifications.
FHA loans
Government-insured financing with flexible qualification standards for eligible primary homes.
VA loans
Benefits for eligible veterans, service members and qualifying surviving spouses.
USDA loans
Potential no-down-payment financing for qualified borrowers and eligible rural properties.
Jumbo loans
Financing for amounts above conforming limits and higher-value properties.
First-time buyers
A clear plan for budgeting, preapproval, loan comparison and the road to closing.
Building and improving
Finance a project—not only a finished home.
Construction loans
Financing paths that coordinate the builder, budget, inspections, draws and permanent mortgage.
Renovation loans
Options that may combine a purchase or refinance with eligible improvement costs.
For current homeowners
Refinance, equity and retirement-focused strategies.
Refinance options
Compare rate-and-term, cash-out and eligible streamline refinancing around a clear goal.
The Wealth Builder Loan
A first-lien HELOC combining home financing with transaction-account features and daily-balance interest calculations.
Reverse mortgages
For eligible older homeowners considering ways to access equity while remaining in the home.
Alternative documentation
Non-QM options for real-world financial situations.
Non-QM does not mean no qualification. These programs use different documentation and underwriting methods for eligible borrowers and properties.
Second home
Traditional or alternative documentation for an eligible property used as a true second home.
DSCR
Investment-property qualification that may focus primarily on property rental cash flow.
Bank statement
Eligible self-employed borrowers may qualify using documented deposits rather than only tax returns.
1099 only
Alternative documentation for eligible independent contractors receiving 1099 income.
ITIN
Purchase and refinance possibilities for eligible borrowers using an Individual Taxpayer Identification Number.
Personal guidance
Compare your options with Joe.
Get a clear explanation of the programs that may fit your goals and qualifications.
Joe Rogers, EVP of Sales – Cornerstone Division and Mortgage Loan Originator, NMLS #188286. For informational purposes only. Loan programs, rates, terms and eligibility are subject to change without notice. All loans are subject to credit approval, property approval and underwriting requirements. Not all applicants will qualify. Equal Housing Opportunity.
Making the dream of homeownership a reality through personal attention, accountable action and a can-do attitude.
Joe Rogers
Mortgage Loan Originator
NMLS #188286
240-603-7883
jrogers@encompasslending.com
Office
2300 Wisconsin Avenue, NW
Suite 100B
Washington, DC 20007
ENCOMPASS LENDING GROUP, LP · NMLS ID #292897 (www.nmlsconsumeraccess.org). Principal licensed office: 23108 Seven Meadows Pkwy, Suite 100, Katy, TX 77494; (281) 693-5363. This is not an offer for an extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. The content on this website is for informational purposes only.
Encompass Lending Group, LP is licensed under the laws of the State of Texas and is subject to regulatory oversight by the Texas Department of Savings and Mortgage Lending. Consumers may obtain complaint information from the department at www.sml.texas.gov or 1-877-276-5550.
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