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2016-12-05T00:00:00.000Z

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Wrong Denise DeCarolis?

Denise DeCarolis

Branch Manager

Capital Bank , N.A.

HQ Phone: (301) 468-8848

Email: d***@***.com

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Capital Bank , N.A.

1 CHURCH ST

Rockville, Maryland 20850

United States

Company Description

Capital Bank, N.A., is a full service commercial bank in the Washington, D.C. metropolitan area. A top-ranked bank based on performance, Capital Bank is the only bank in Maryland and Washington, D.C. to make the American Bankers Association Journal (ABA J ... more

Find other employees at this company (595)

Background Information

Employment History

Mortgage Professional

Freedmont Mortgage Corporation

Sales Manager

1st Mariner Bank

Branch Manager

New American Funding

Web References (7 Total References)


Capital Bank, N.A. : Company Directory

www.capitalbankhomeloans.com [cached]

Denise DeCarolis

Direct: (301) 468-8848
Email: ddecarolis@capitalbankmd.com


Capital Bank, N.A. : Denise DeCarolis

www.capitalbankhomeloans.com [cached]

Denise DeCarolis Capital Bank, N.A. : Denise DeCarolis

...
Denise DeCarolis
One Church Street, Suite 300
Rockville, MD 20850


Denise DeCarolis, Operations ...

www.1stmarinerbank.com [cached]

Denise DeCarolis, Operations Manager at VAMortgage.com, a division of 1st Mariner Bank, says there's an upfront mortgage insurance premium of 1.75% of the base loan amount. An additional .80 to .85% of what you still owe each year is paid in monthly installments for the life of a 30-year loan. For loans of as much as $625,500, FHA's current ceiling in most areas, annual fees can be as high as 1.05%.

In spite of insurance costs, FHA loans can be a good choice. For one thing, the agency is "a lot more lenient" in terms of borrower requirements than those that must be met to qualify for most conventional loans, according to DeCarolis.
Department of Veterans Affairs loans
Veterans and some spouses and widows can qualify for a VA loan. No down payment is required if the mortgage is below the loan limits for the county. If the seller pays closing costs, DeCarolis says, it's possible for a veteran to become a homeowner without putting a single dollar into the transaction. In addition, borrowers don't have to pay mortgage insurance the way they would with an FHA loan.
"If you're a veteran, this is the best loan," says DeCarolis. "The VA is truly looking out for the borrower, the veteran."
U.S. Department of Agriculture loans
USDA loans are designed to help people with lower incomes buy property in rural areas, and DeCarolis says many borrowers are surprised that their geographic location is classified that way. Buyers must meet income requirements, which vary based on location. Like VA loans, USDA loans don't require a down payment. "It's really a good deal," DeCarolis says.


1st Mariner Bank - Loans

www.1stmarinerbank.com [cached]

Denise DeCarolis, Operations Manager at VAMortgage.com, a division of 1st Mariner Bank, says there’s an upfront mortgage insurance premium of 1.75% of the base loan amount. An additional .80 to .85% of what you still owe each year is paid in monthly installments for the life of a 30-year loan. For loans of as much as $625,500, FHA’s current ceiling in most areas, annual fees can be as high as 1.05%. In spite of insurance costs, FHA loans can be a good choice. For one thing, the agency is "a lot more lenient" in terms of borrower requirements than those that must be met to qualify for most conventional loans, according to DeCarolis. Department of Veterans Affairs loans Veterans and some spouses and widows can U.S. Department of Veterans Affairs" onclick="alert('You are now leaving the 1st Mariner Bank website.');" href="http://www.benefits.va.gov/homeloans/purchaseco_eligibility.asp" target="_blank">qualify for a VA loan. No down payment is required if the mortgage is below the U.S. Department of Veterans Affairs" onclick="alert('You are now leaving the 1st Mariner Bank website.');" href="http://www.benefits.va.gov/homeloans/purchaseco_loan_limits.asp" target="_blank">loan limits for the county. If the seller pays closing costs, DeCarolis says, it’s possible for a veteran to become a homeowner without putting a single dollar into the transaction. In addition, borrowers don’t have to pay mortgage insurance the way they would with an FHA loan. “If you’re a veteran, this is the best loan,” says DeCarolis. “The VA is truly looking out for the borrower, the veteran.” U.S. Department of Agriculture loans USDA loans are designed to help people with lower incomes buy property in U.S. Department of Agriculture" onclick="alert('You are now leaving the 1st Mariner Bank website.');" href="http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do" target="_blank">rural areas, and DeCarolis says many borrowers are surprised that their geographic location is classified that way.


1st Mariner Mortgage : Consumer Direct, MD Office

6070102525.brokersite.com [cached]

Denise Decarolis

Direct (410) 529-1942
Email: ddecarolis@1stmarinerbank.com

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