CHECK OUT OUR EXCITING NEW PRODUCT LINE Traditional Loan Programs FHA loans starting at 580 score FHA 203k starting at 600 score VA starting at 600 score (100% LTV) All Conventional loan programs. Low Credit Score Programs 500 score up to 70% LTV 540 score up to 75% LTV 580 score up to 96.5% LTV Alternative Loan Programs Investor Fix & Flip Rehab Loans Investor Stated Loans Foreign National Loans Limited Documentation Loans (1 year tax or W2) Apply Now This Web site is secured with a Web Server Certificate. Transactions on the site are protected with up to 256-bit Secure Sockets Layer encryption. Questions? Loan experts are standing by: 800-583-3178 Careers | Resources Home About Products Calculators Employment Apply Now Our Team Call us at (800) 583-3178 Today!! Since 1997, we have served the MD, DC & VA area by providing an array of mortgage loan products tailored to our clients unique needs and desires. Our responsibility to our local communities does not stop there. We also seek to provide members of our neighboring communities with tools, resources and the necessary counseling to make sound decisions not only relating to their real estate investments, but also their overall personal finances. Our mortgage product line is very diverse, offering substantial features and benefits for any type of borrower. From the first time home buyer to the savvy investor, rest assure, we have the right loan product to suit your needs. If by chance you are in the market for a home mortgage loan and have questions regarding the process and what product may be the right one for you, do not hesitate to contact us at (800) 583-3178. One of our Mortgage Consultants is waiting by the phone to assist you in any way possible. At 1st Step Financial Services, Inc., we believe that if you take the "1st Step", it our responsibility "to do the rest" no matter what that may entail, because to make your experience with us a pleasant one is our primary concern and responsibility. ARE YOU A MORTGAGE PROFESSIONAL? JOIN OUR TEAM! At 1st Step Financial Services, Inc. we pay our Mortgage Consultants the MOST and require the LEAST. We only ask that our Mortgage Consultants generate workable and complete loan applications. Learn More Copyright 2019 | 1st Step Financial Services, Inc. MARYLAND OFFICE: 5000 Ilchester Rd, Ellicott City, MD 21043 Call toll free: 1.800.583.3178