Mortgage lender · Severna Park, MD
Where Neil's career started, 23 years ago.
Neil Bourdelaise built his reputation in Maryland, and the Main Street Home Loans office at 479 Jumpers Hole Rd is still home base for The Bourdelaise Team. He finances homes across Severna Park and Anne Arundel County, from waterfront purchases on the Magothy and Severn to new construction and first homes.
I'm looking to
More than 575 client reviews on Zillow, LendAid and Google, rated 4.9 stars or higher on every one.
What Neil finances in Anne Arundel County
Severna Park buyers tend to bring the files that need extra care: custom builds, waterfront homes above conforming limits, military families and business owners.
Build from the ground up
One loan, one closing. Build or rebuild your primary home, second home or investment property, including the knockdown-and-rebuild projects common on older Severna Park lots.
Waterfront and high-value
Purchases and refinances on the Magothy and Severn rivers, Round Bay, Cape St. Claire and Annapolis, including loan amounts above conforming limits.
Also
Lending in Anne Arundel County
Severna Park is one of Anne Arundel County's most competitive markets. Strong schools and water access keep inventory tight, so a buyer's pre-approval has to hold up when a listing agent calls to check it.
Neil and his Maryland team know the local agents, builders and title companies. They set the closing timeline up front and keep everyone updated without anyone having to chase them.
Reviews
More than 575 client reviews on Zillow, LendAid and Google, rated 4.9 stars or higher on every one.
Neil and his team were absolutely superb. My other lending opportunity fell through and Neil and his team came through and saved the day in under two weeks time! I didn't think it was possible, but Neil and his team did it! Would absolutely work with them again and so should you!
Neil was effective and very helpful in getting us loans for homes on two different homes and times. He was easy to contact, and kept us up to date thru the whole process. Neil has easy to follow directions on his website on what to expect thru the process, which we found very helpful.
Whole team was awesome to work with!
Questions
Neil Bourdelaise, NMLS #476326, is a Severna Park mortgage lender with Main Street Home Loans at 479 Jumpers Hole Rd, Ste 404, Severna Park, MD 21146. He started his career in Maryland 23 years ago, ranks in the top 1% of originators nationally (Scotsman Guide, 14 consecutive years), has been Main Street Home Loans' Top Producer six years running, and has more than 575 client reviews rated 4.9 stars or higher.
A one-time-close construction loan covers the lot or existing home, the build and the permanent mortgage in a single loan with one closing. During construction, the builder is paid in draws as work is completed and inspected. When the home is finished, the loan converts to a regular mortgage with no second closing. Neil finances primary homes, second homes and investment builds, including knockdown-and-rebuild projects.
Yes. Many waterfront homes on the Magothy and Severn rivers are priced above the conforming loan limit, which calls for a jumbo loan. Jumbo lenders look closely at credit, reserves and the appraisal, and waterfront properties may need additional flood insurance. Neil compares jumbo options across several lenders.
Yes. Neil works with active-duty service members, veterans and families connected to the Naval Academy, Fort Meade and nearby installations. VA loans can offer zero down payment and no monthly mortgage insurance for eligible borrowers.
If your tax returns understate your income, a bank statement loan can use 12 or 24 months of deposits to qualify you instead. Neil also offers asset-based and DSCR investor programs. He reviews your situation up front and tells you which program fits.
For Realtors and builders
When you send Neil a client, you're trusting him with your name too. Here's what you can count on.
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