Millennial Home Loans, LLC 1722 Splendor Drive, Woodbine, Maryland, 21797

Millennial Home Loans, LLC
is a trusted mortgage broker

About Millennial Home Loans, LLC

Millennial Home Loans, LLC is a trusted mortgage broker specializing in their standout offerings is the 80/20 fixed rate conventional loan, a unique program that combines a 30-year fixed 80% first mortgage with a 20% Community Second mortgage—both featuring matching interest rates and no monthly mortgage insurance. This approach makes homeownership more accessible by eliminating the need for a traditional down payment while keeping long-term costs manageable. In addition to their signature 80/20 loan, Millennial Home Loans, LLC offers a variety of flexible financing options to suit diverse needs. These include the USDA and VA loans for eligible borrowers, as well as conventional and FHA loans.

Whether you’re purchasing a move-in ready home or planning a renovation or new construction, these programs are available in standard, renovation, and construction loan formats, ensuring clients have tailored solutions that align with their goals and financial situations.

At Millennial Home Loans, we believe in doing mortgages the right way—safe, secure, and by the book. That’s why we only offer standard Qualified Mortgage (QM) loans that meet strict federal guidelines for borrower protection and long-term stability. Our conventional loans are underwritten according to Fannie Mae and Freddie Mac standards, ensuring consistency and reliability. We also offer FHA loans backed by the Department of Housing and Urban Development, VA loans supported by the Department of Veterans Affairs, and USDA loans following the guidelines set by the USDA. Millennial Home Loans does not offer any Non-Qualified Mortgage (Non-QM) products—no risky financing, no gimmicks, just solid mortgage solutions designed to help you build a secure financial future through homeownership.

Led by licensed mortgage expert David G. Zuckerman (NMLS# 133925), Millennial Home Loans, LLC is committed to delivering personalized service and clear guidance throughout the mortgage process. With licensing in Maryland (133925), Pennsylvania (47958), and Virginia (MLO-6007VA), the team is well-equipped to serve clients across multiple states. To explore your home financing options, contact David directly at (410) 552-5912 or via email at [email protected]. Millennial Home Loans, LLC (NMLS# 1221523) is here to help you take the next step toward homeownership with confidence.

Testimonials

Licenses and Disclosures – Millennial Home Loans

Millennial Home Loans, LLC is an equal housing lender.
Millennial Home Loans, LLC NMLS #1221523 (www.nmlsconsumeraccess.org); Licensed in Maryland as a Mortgage Lender License by the Department of Labor, Licensing and Regulation #21387, Pennsylvania as a Mortgage Broker License by the Pennsylvania Department of Banking #47955, and in Virginia as a Broker License by the Bureau of Financial Institutions #MC-6731.
Fees and charges apply and may vary by product and State. APR shown assumes 2% points. Subject to underwriting approval. Application required; not all applicants will be approved. Full documentation and property insurance required. Loan secured by a lien against your property. Consolidating or refinancing debts may increase the time and/or the total amount needed to repay your debt. Taxes and insurance extra. Terms, conditions and restrictions. Lock in agreement required to secure rate. Recent rate but subject to change without notice. Rates, loan products, and fees subject to change without notice. Your rate and term may vary. Call for details.
By submitting your social security number you give consent to allow Millennial Home Loans, LLC to obtain your credit report.

Privacy Statement – Millennial Home Loans

Privacy Statement

At Millennial Home Loans we are committed to safeguarding your privacy online. This privacy policy applies to your information that we collect and receive; it does not apply to practices of businesses that we do not own or control or people we do not employ. At no time will we sell your information or release your personally-identifiable data without your permission. You can visit millennialhomeloans.com without revealing who you are or providing any personal information about yourself.

By using this Site, you agree to the terms of this privacy policy. Please read the following policy to understand how your personal information will be treated as you use our services. The following discloses our information gathering and dissemination practices. This Site contains links to other sites. These include links to individual lender/broker sites that offer consumer and business loans, as well links to other third party sites that offer credit reports, property valuation information, insurance quotes, etc. Further, there are links to third party government agency sites that offer information unique to specific government back loan programs. We are not associated or endorsed by any government entity. We are not responsible for the privacy practices or the content of such Websites.

Browsing the Site

If you browse through the Site without entering any personal data, we will gather and store certain information about your visit. This information does not identify you personally and cannot be linked back to you unless you decide at some point to identify yourself. If you are only browsing, we collect the following information: IP address, the type of browser and operating system used to access our site, the date and time you access our site, the pages you visit (click-through), and if you linked to our website from another website, the address of that website as well as additional information related to your visit. We use your IP address to help diagnose problems with our server, and to administer the Site.

Information Collected

We collect the email addresses and phone numbers of consumers who communicate with us or through our authorized vendors via email. We also collect information provided to us by consumers in property search and loan or refinance requests submitted through our site or our authorized vendors’ sites (“Loan Request or Property Request Information”). Property Request Information typically includes name, address, phone number, email address, and geographic location of future purchase transaction. Loan Request Information typically includes name, address, and phone numbers, email address, household income, estimated credit rating, and loan specific information including but not limited to estimated property value, desired loan amount, down payment, and whether the applicant is working with a real estate agent. In addition, consumers who express a desire to apply for a loan provide us with and authorize us or our affiliate websites to obtain from third parties necessary financial information such as credit reports (“Finance Information”). As a Mortgage Broker we assist you in identifying a lender, which is a financial institution that funds loans directly to you. All information provided by consumers in any of the above-listed ways or otherwise becomes the property of Millennial Home Loans, LLC once received by us and may be used and disclosed as permitted in this Policy.

Loan Request or Property Request Information is used to transmit financing and property search requests to third parties who may be in a position to respond to your request. Consumers who submit Loan Request or Property Request Information expressly authorize up to four (4) third party lenders and Real Estate Professionals to contact them by phone or email in connection with their loan or refinancing request regardless of whether or not such consumer is listed on a “Do Not Call” list.

As part of the request process, we may verify the information you provide, or obtain omitted address or other contact information from third parties. Loan Request or Property Request Information transmitted to a lender, Real Estate Professional, or other fulfillment entity becomes the property of that lender of fulfillment entity, in addition to us. The information is used to process your financing application.

We also share your personal information with our affiliated companies in order to identify products or services in which you may have interest, to improve our user experience and generally to engage in market research and for other internal business purposes. We may also aggregate your personal information with others’ information and prepare reports on site usage, purchase history or other factors for sale or distribution to others. Those reports are aggregated and include no personally identifying information. Finally, we may use your personal information to send you email or postal communications regarding products or services offered by us or by third parties with whom we have relationships in which we think you may be interested. We do not share, sell, trade or rent your personal information to third parties for unknown reasons.

You may at any time choose not to receive promotional emails and text messages from us by contacting us at [email protected]. If you wish to unsubscribe from our email campaigns, please click on the Unsubscribe link at the bottom of any marketing email sent from us. If you opt out of our email marketing, we will still send you messages related to our transactions and relationship with you, such as order confirmations. If you wish to stop receiving text messages from us, reply STOP, QUIT, CANCEL, OPT-OUT, or UNSUBSCRIBE to any text message sent from us.

Notwithstanding the foregoing, we may continue to contact you for the purpose of communicating information relating to this Site, as well as to facilitate, complete, or confirm any transaction that you may enter into or responding to your inquiry or request.

If you prefer for us not to provide your name and email or postal address to third parties for direct marketing purposes, please contact us at [email protected].

Cookies

We may place “cookies” on your personal computer. “Cookies” are small identifiers sent from a web server and stored on your computer’s hard drive, similar to a license plate, that help us to recognize you if you visit our website again. Also, our site uses cookies to track how you found our site. Cookies are not designed to be used to get data from your hard drive, your e-mail or any other personal data about you. To protect your privacy we do not use cookies to store or transmit any personal information about you on the Internet. You can reject cookies by changing your browser settings. Please note, however, that if you reject our cookies it is possible that some web pages may not properly load, your access to certain information might be denied or you might have to enter information about yourself more than once.

Updating or deleting your information

You may update or delete your information at any time prior to submitting your completed loan request. Once your loan form is completed and submitted, you will not be able to change any of the information. Additionally, please be advised that once you have submitted your loan request and the information has been received by the lenders/brokers, this information is no longer under our control. Due to federal & state regulations, we are required to keep a copy of your information for a period of 3 years. Over this period we will maintain all such data in a confidential and secure area that third parties will not be allowed to access.

Security

This site has reasonable security measures in place to protect the loss, misuse and alteration of the information under our control.

Third Party Advertising

No personal information, mobile number or messaging consent information will be shared with third parties or affiliates for marketing or promotional purposes.

We use third-party advertising companies to serve ads when you visit our website. These companies use non-personally identifiable information regarding your visit to this website and other sites, such as the user IP address, pages viewed, date and time of your visit, and number of times you have viewed an ad (but not your name, address, or other personal information), to serve ads to you on this site and other sites that may be of interest to you. In the course of serving advertisements to this site, our third-party advertiser may place or recognize a unique cookie on your browser.

Specifically, Google, as a third party vendor, uses cookies to serve ads on this website. Google’s use of the DART cookie enables it to serve ads to you based on your visit to this website and other websites on the Internet. You may opt out of the use of the DART cookies by visiting the Google ad and content network privacy policy.

In addition, we use clear GIFs or pixel tags to help manage our online advertising. These clear GIFs enable our ad serving company to recognize a browser’s cookie when a browser visits this site. This allows us to learn which banner ads bring users to our website. The information we collect and share through this technology is not personally identifiable.

To learn more about these practices and your choices about not having this information used by these companies please click here.

Contacting the Web Site

Please be aware that we may change our Privacy Policy from time to time. If we do, we will update this Privacy Policy at our website, so be sure to check back here frequently.

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this Web site, you can contact: [email protected]

millennialhomeloans.com
November 30, 2022

Terms and Use – Millennial Home Loans

Your Rights and Our Responsibilities

Millennial Home Loans, LLC goal is to make your home search and financing and other personal loan experiences as simple, convenient and safe as possible. We also want each and every one of our users to be completely satisfied, so it’s important for you to understand what we can and can’t do.

Where to Find Us

Millennial Home Loans, LLC, is a Limited Liability Corporation headquartered in Maryland. While our website millennialhomeloans.com can be accessed from almost anywhere you can find Internet service, we are bound to do business according to Maryland law. Your state or country of residence has laws that may differ from those in Maryland. However, when you use our website, you agree that the statutes and laws of the State of Maryland govern all matters relating to the use of this Site.

For full legal information, please see the Terms and Conditions below. These Terms and Conditions include our policy for acceptable use of the Site and content posted on the Site, your rights, obligations and restrictions regarding your use of the Site and the Site’s Privacy Policy found here.

By using this Site, you acknowledge your understanding and consent to these terms, so please read them carefully. We reserve the right to revise and update these terms and conditions, so please make sure that you’ve read the most recent version.

If you do not agree to all of the Terms and Conditions, please do not use the Site and email us at [email protected].

• Without limiting any other provisions of this Agreement, you may not use this Site for any purpose that is unlawful or prohibited by this Agreement and/or any applicable additional terms. Your access to this Site may be terminated immediately in our sole discretion, with or without notice, if you fail to comply with any provision of this agreement and/or additional terms, or for any other reason, or no reason. You expressly agree not to:
• Use this Site or its contents for any commercial purpose;
• Access, monitor or copy any content or information of this Website using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission;
• Take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionate burden on our infrastructure; and
• “frame,” “mirror” or otherwise incorporate any part of this Site into any other website without our prior written permission.

Terms and Conditions

While we make every effort to ensure that all of the content on our Site is up-to-date, readily available and clearly explained, we cannot guarantee that the Site will always be up or that its contents will always be accurate. Circumstances beyond our control may occasionally make the Site unavailable; data transmissions may be interrupted; and we may provide links to other sites whose content we cannot monitor or otherwise manage.

Things We Can’t Control

We do not endorse any listed lender or Real Estate Professional. Information presented on this Site by lender/brokers are advertisements by the lenders/brokers, and we make no guarantee, explicit or implied that the posted information is accurate. Any dealings that you may have with a lender/broker listed on our website is governed by terms of the agreement that you enter into with that lender/broker. We expressly disclaim any liability or responsibility for the success of any transaction you have with that lender. You must make the final determination as to the value and appropriateness of the transaction. If you submit a request to find a lender or a broker or submit a request for a quote, there is no cost or obligation.

Links to External Sites: This Site may provide links to other websites on the Internet that are owned and operated by third party vendors and other third parties not under our control. These links are provided for convenience and reference only and are not intended as an endorsement by this Site or Millennial Home Loans, LLC of the organization or individual operating the website or a warranty of any type regarding the website or the information on the website. By using this Site, you acknowledge that neither this Site nor Millennial Home Loans, LLC are responsible for the availability of, services or products offered by, or the content located on or throughout such external site.

Typographical Errors: While we try to make sure that all rate information posted here is accurate at all times, we cannot be responsible for typographical and other errors that may appear on the Site. We reserve the right to refuse or cancel requests for products or services containing incorrect pricing. Site Outages and Browser Incompatibilities: This is an e-commerce site, with security systems and multiple servers in a number of locations. It’s our best connection to our customers, and we take pride in its overall reliability. Nonetheless, the Site may sometimes be inaccessible, or it may not function properly with your web browser and operating system. We cannot be held liable for any perceived or actual damages arising from the operation, content, or use of this Site.

Miscellaneous

Disclaimer and Limitation of Liability: The Site and the information and materials contained herein are provided “as is.” We make no representations or warranties of any kind regarding this Site or its operation, contents or information available on this Site. We expressly disclaim all warranties, express or implied, of any kind, with respect to the Site. IN NO EVENT SHALL THIS SITE, ITS AFFILIATES, INCLUDING Millennial Home Loans, LLC, OR THEIR SHAREHOLDERS, OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS BE LIABLE FOR DIRECT, INDIRECT, COMPENSATORY, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES ARISING FROM THE OPERATION, CONTENT OR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Some jurisdictions do not allow the disclaimer, exclusion or limitation of incidental or consequential damages, so the foregoing disclaimer, exclusion and limitation may not apply to you, and you may have other legal rights that vary according to jurisdiction. In no event will damages provided by law (if any) apply unless they are required to apply by statute, notwithstanding their exclusion by contract.

WE MAKE NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED REGARDING THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT OR THE SERVICES OR PRODUCTS ASSOCIATED WITH THE SITE, NOR THE SAFETY, RELIABILITY, TITLE, TIMELINESS, COMPLETENESS MERCHANTABILITY, CONFORMITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE. IT IS YOUR RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT AND SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE. WE MAKE NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE FOR DOWNLOADING FROM THE SITE IS FREE OF INFECTION FROM ANY VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACKDOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODES OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.

The content of the Site (the “Content”) is intended only to assist you with financial decisions and is broad in scope and does not consider your personal financial situation. Your personal financial situation is unique and the information and advice may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, we recommend that you obtain additional information and advice from your accountant and other financial advisers who are fully aware of your individual circumstances.

Applicable Law and Venue: The site (excluding linked sites) is operated in the state of Delaware. The Site can be accessed from all 50 states and the District of Columbia, as well as from other countries around the world. As each of these places has laws that may differ from those of Delaware, by accessing this Site, both you agree that the statutes and laws of the State of Delaware, without regard to conflicts of laws and principles thereof, will apply to all matters arising from or relating to use of this Site. You also agree and hereby submit to the exclusive personal jurisdiction and venue of the federal district and state courts of Delaware with respect to such matters. We make no representation that materials on the Site are appropriate or available for use in other locations, and accessing them from territories where their contents are illegal is prohibited. Those who choose to use or access this Site from other locations do so on their own initiative and are responsible for compliance with local laws.

Copyright: This Site is owned and operated by Millennial Home Loans, LLC, Inc. Unless otherwise specified, all materials appearing on this Site, including site design, text, graphics, logos, images, icons, interfaces, and the selection, assembly and arrangements thereof are the sole property of Millennial Home Loans, LLC, Inc. ALL RIGHTS RESERVED. Permission is granted to electronically copy and to print hard copy portions of this Site for the sole purpose of placing with a request through this Site for products or services described on this Site. Any other use of materials on this Site, including but not limited to, reproduction for purposes other than those noted above, modification, transmission, display, distribution or republication, without prior written permission is strictly prohibited.

Ownership of Web site: The design, text and images of this web site are owned or licensed by Millennial Home Loans, LLC, and Millennial Home Loans, LLC authorizes you to view or download a single copy of the material on the Site solely for your personal, noncommercial use, provided you retain all proprietary notices contained in the content. Elements of the Site are also protected by trade dress and other laws and may not be imitated in whole or in part on other Web sites.

Trademarks: The trademarks and service marks appearing on this Site are registered trademarks, trademarks or service marks of Millennial Home Loans, LLC.

millennialhomeloans.com

November 30, 2022

Need to talk with Your Local Low-To-No Money Down Mortgage Loan Specialists?

Call 866-747-2882

Contact

[email protected]

Millennial Home Loans, LLC 1722 Splendor Drive, Woodbine, Maryland, 21797

Millennial Home Loans, LLC 1722 Splendor Drive, Woodbine, Maryland, 21797

Millennial Home Loans, LLC is a trusted mortgage broker

About Millennial Home Loans, LLC

Testimonials

Licenses and Disclosures – Millennial Home Loans

Privacy Statement – Millennial Home Loans

Privacy Statement

Browsing the Site

Information Collected

Cookies

Updating or deleting your information

Security

Third Party Advertising

Contacting the Web Site

Terms and Use – Millennial Home Loans

Your Rights and Our Responsibilities

Where to Find Us

Terms and Conditions

Things We Can’t Control

Miscellaneous

Need to talk with Your Local Low-To-No Money Down Mortgage Loan Specialists?

Call 866-747-2882

Contact​

Message Us​

Millennial Home Loans, LLC
is a trusted mortgage broker

Contact

Message Us