Michelle Ditchkoff-Volk
Mortgage Loan Originator
About
I’ve been in the real estate business since 1988 when my career began as a closing paralegal. I started working in loan origination in the mid-90s. I work in Carroll County, where I’ve lived for 3.5 years, but I do loans all over the state. I love meeting families every year and I work hard towards helping them achieve their dream of home ownership as painlessly as possible.I am actively involved in our community and always enjoy meeting new friends. I believe that hard work and a strong work ethic are the most powerful tools you can have in this business. I’m glad to call Silverton Mortgage my second home!
Our Loan Programs
Buying a home can be overwhelming. There are so many financing options, offered by so many different banks, lenders, and brokers. Don’t stress yourself out trying to find the perfect product and perfect rate on your own – that’s what we’re here for! Contact us today to start a conversation about which loan option is right for you.
All LoansConventional
A Conventional Purchase is a “traditional” mortgage with as little as 3% down payment, requiring no upfront mortgage insurance fees and cancellable monthly private mortgage insurance. Both Fixed Rate & Adjustable Rate Mortgage options are available.
FHA
If you’re a first-time homebuyer and your credit score isn’t great, an FHA loan may be a great option for you. FHA loans allow for as little as 3.5% down and have options available for buyers with credit scores as low as 600.
VA
Veterans and active duty military may qualify for 100% financing (0% down payment) with no monthly mortgage insurance through the VA loan program.
HomeReady® Mortgage
With as little as 3% down, reduced mortgage insurance, and no minimum contribution from the borrower, this option is perfect for first-time homebuyers who may have a relative helping with the down payment.
What My Clients Say
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