THE B-MORE BRANCH

    Your home journey,
    guided by people who care

    Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.

    Apply NowSchedule a Call
    NMLS #2373411+ Years ExperienceLicensed Nationwide
    51+
    Loans Closed
    1+
    Years in Business
    4.9
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Christina Nortman

    Loan Officer

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    Sean Orendorf

    Loan Officer

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    Loan Programs

    Every option. Your best fit.

    ◆
    Conventional
    Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
    ◆
    FHA
    Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
    ◆
    VA
    Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
    ◆
    Jumbo
    High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
    ◆
    Renovation
    Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
    ◆
    Non-QM
    Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
    Available 24/7

    Meet Sophia,
    your mortgage guide

    Get instant answers, explore loan options, estimate payments, and start your pre-approval — any time, day or night. Sophia is backed by our team's expertise and AFN's full lending platform. When you're ready, a loan officer steps in personally.

    →
    Estimate monthly payments based on your actual scenario
    →
    Explore loan programs matched to your situation
    →
    Get pre-approved without waiting for a callback
    →
    Check local market conditions and neighborhood data
    S
    Sophia
    Backed by American Financial Network · NMLS #237341
    Hi, I'm Sophia — your branch's mortgage assistant. I can help you explore options, estimate payments, or get pre-approved. What's on your mind?
    What can I afford on $120K income?
    Based on $120K annual income, you could qualify for roughly $480K–$540K depending on debts, down payment, and rate. Want me to run a detailed scenario?
    Client Experiences

    Trusted by 15 families & counting

    ★★★★★5.015 verified reviews
    "
    Scott and Christina are second to none! Excellent service.
    John S.
    Nottingham, MD · via Christina Nortman
    September 2026
    "
    She made the process really easy and was great with communication. I am extremely happy with the the assistance of every step
    Joseph T.
    Aberdeen, MD · via Christina Nortman
    May 2026
    "
    Scott and Christina literally saved my life. As a single of mother of 2 it was terrifying not having a home loan for a place to live. Their hardwork made a huge positive impact on out lives. Thank you so much!
    Lila C.
    Dundalk, MD · via Christina Nortman
    May 2026
    “
    Suringbthe process very transparent and the amount of effort and communication was exceptional
    Jimmy H.
    Brunswick, MD · via Christina Nortman
    May 2026
    “
    had constant communication throughout the entire process. Christina made me feel comfortable about the very stressful situation.
    Matthew D S.
    Middle River, MD · via Christina Nortman
    March 2026
    “
    Great explanation and experience all around
    Blake D.
    Riviera Beach, MD · via Christina Nortman
    March 2026
    “
    Open communication was amazing . keep thank you enoygh for getting us through this process
    Shannon K.
    Middle River, MD · via Christina Nortman
    February 2026
    “
    I wanted to share my positive experience working with Christina. She made the entire process very easy, answering all of my questions quickly. She was incredibly friendly and helpful throughout.
    David C.
    Dundalk, MD · via Christina Nortman
    February 2026
    “
    They were super responsive and so easy to work with . 10/10 for sure
    Jamie M.
    Nottingham, MD · via Christina Nortman
    February 2026
    “
    Very helpful and insightful throughout the loan process .
    Kaylin L.
    Bel Air, MD · via Christina Nortman
    February 2026
    “
    I had a great experience working with Christina. The process was smooth, communication was clear, and everything handled professionally and on time. I highly recommend to anyone looking to buy or refinance a home.
    Jennifer H.
    Berlin, MD · via Christina Nortman
    January 2026
    “
    Nortman Team was a pleasure to work with. Very easy smooth transaction.
    Eric H.
    Berlin, MD · via Christina Nortman
    January 2026
    “
    Christina was always quick to respond, on the ball and so helpful. Thank you so much for your hard work!
    Nancy Lynne S.
    Jarrettsville, MD · via Christina Nortman
    January 2026
    “
    Great communication and everything was ready on time.
    Yelena P.
    Baltimore, MD · via Christina Nortman
    November 2025
    “
    I was almost at the point I lost all hope on closing our loan. I was certain we weren't getting our house. But She went into beast mode and worked her magic and got it done!
    James L.
    Dundalk, MD · via Christina Nortman
    November 2025
    Real Estate Partners

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    Our Branch

    The B-more Branch

    American Financial Network · NMLS #237341

    Address
    3951 Patuxent River Road
    Harwood, MD 20776
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
    Get in Touch

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