America Trust Funding

Business Details

Your Trusted Mortgage Broker in Rockville, MD

At America Trust Funding, we are dedicated to redefining excellence in the mortgage industry through unwavering commitment to client-centric service. Our team prioritizes personalized guidance, ensuring clients navigate the home loan process with confidence and clarity. With decades of combined experience, we specialize in identifying tailored mortgage solutions that align with each client's unique financial situation and homeownership goals. We approach every transaction with transparency, ethical practices, and proactive communication, maintaining rigorous adherence to industry regulations while advocating fiercely for our clients' interests.

Our professionals stay current with evolving market conditions and lending criteria to deliver competitive rates and innovative financing options. By fostering long-term relationships built on trust and proven results, we aim to become the mortgage partner of choice for clients at every stage of their homeownership journey.

Services

Conventional Loans FHA Loans VA Loans Jumbo Loans DSCR Loans Foreign National Loans Construction Loans Non-QM Loans Refinance Loans Commercial Loans

Highlights and features

Experienced team with decades of expertise in residential lending
Personalized mortgage solutions tailored to client needs
Proven track record of successful loan closings in complex cases
Transparent communication throughout the entire loan process
Comprehensive understanding of evolving mortgage regulations

What people say

Excellent service Professional team Best mortgage company Quick closing Competitive rates

Website

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Services

Conventional Loans

Conventional loans offer flexible mortgage solutions without government insurance, featuring competitive rates and terms tailored for borrowers with strong credit profiles. These loans provide options for fixed-rate or adjustable-rate structures with down payments starting at 5%, making them ideal for primary residences, investment properties, and second homes while maintaining strict underwriting standards that ensure long-term affordability.

FHA Loans

FHA-insured loans provide accessible homeownership opportunities for first-time buyers and those with lower credit scores through 3.5% down payment requirements and flexible qualification criteria. These mortgages include mandatory mortgage insurance premiums while offering competitive interest rates and specialized programs for property rehabilitation and energy efficiency improvements that benefit budget-conscious borrowers.

VA Loans

VA-guaranteed loans deliver exclusive benefits for eligible military personnel and veterans including zero down payment options, no private mortgage insurance requirements, and favorable refinancing terms. Our specialists navigate the unique documentation requirements and funding fee structures while maximizing entitlement benefits for primary residence purchases and home improvement projects.

Commercial Loans

Commercial financing solutions support business property acquisitions and expansions through loans secured by income-producing real estate. We structure deals considering debt service coverage ratios and business cash flow patterns while offering fixed or variable rate options with balloon payment structures that align with commercial property investment timelines and return projections.

Construction Loans

Construction loans provide phased funding for residential development projects with interest-only payments during the building period. Our process coordinates with licensed contractors and appraisers to release funds at project milestones while transitioning to permanent financing upon completion, supporting custom home builds and major renovation projects with specialized underwriting considerations.

People

Helio Souza

CEO

NMLS #13003 mortgage executive with 20+ years of experience guiding clients through complex loan scenarios. Specializes in creative financing solutions for first-time homebuyers and credit-challenged borrowers while maintaining strict compliance with regulatory requirements.

Darlene Haeger

Senior Loan Officer

NMLS #186420 licensed professional with expertise in Maryland, Virginia, and DC markets. Focuses on personalized mortgage counseling and streamlining the loan process for residential clients through clear communication and documentation management.

Eddie Interiano

Mortgage Loan Officer

NMLS #2283276 licensed originator serving Maryland and Virginia clients. Specializes in bilingual (Spanish-English) mortgage services while maintaining focus on FHA and conventional loan programs for first-time homebuyers.

Gisela Schmidt

Senior Loan Officer

NMLS #1188684 experienced professional licensed in Florida, Maryland, Virginia, and DC. Expertise in mortgage products for diverse client profiles including foreign nationals and investors while ensuring regulatory compliance.

Minerva Lopes Ramos

Senior Loan Officer

NMLS #187676 licensed specialist in Maryland, Virginia, and DC markets. Focuses on community outreach and financial education while processing complex loan scenarios with attention to detail and regulatory requirements.

Questions

What's the difference between pre-qualification and pre-approval?

Pre-qualification provides estimated borrowing capacity based on self-reported information, while pre-approval involves verified financial documentation and credit check for stronger negotiating position.

How do I determine if refinancing makes sense?

Calculate total refinance costs divided by monthly savings to determine break-even period. Consider long-term residency plans and consult mortgage professionals for personalized analysis.

What documentation is required for mortgage approval?

Standard requirements include two years' tax returns, recent pay stubs, bank statements, and asset documentation. Alternative documentation options available for qualified borrowers.

Can I include closing costs in my loan?

VA funding fees can be financed into the loan amount. Other closing costs typically require separate payment or lender credits that may affect interest rates.

What are conforming loan limits?

Conforming loan limits vary by county and property type. Check HUD's official website or consult our specialists for current limits in your specific area.

How does credit score affect mortgage options?

Higher credit scores qualify for better interest rates and loan terms. FHA loans accommodate lower scores while conventional loans typically require 620+ for optimal pricing.