Residential Mortgages in Maryland.DSCR Investor Loans in 36 States and Washington D.C.
Through our wholesale lender partners, we assist investors with DSCR and other business-purpose real estate financing in 36 states and Washington D.C. Licensing requirements vary by state and loan purpose. Whether you’re a Maryland homebuyer exploring Conventional, FHA, VA, or refinance options — or a real estate investor looking to qualify on the property — Wynee works with both, personally, start to closing.
Company NMLS #2317038 · Wynee Bays NMLS #887778
Two Audiences. One Trusted Broker.
Equal focus, equal service — whether you’re financing a primary residence in Maryland or scaling an investment portfolio across state lines.
Maryland Homebuyers & Refinance
Conventional, FHA, VA, jumbo, first-time buyer programs, and refinances. Maryland-licensed, locally based, and personally guided start to finish.
DSCR Investor Loans
Qualify on the property, not your W-2. Through our wholesale lender partners, we assist investors with DSCR and other business-purpose real estate financing in 36 states and Washington D.C. Licensing requirements vary by state and loan purpose.
Why Work With an Independent Broker?
One conversation. Many lender options. A loan structured around your goals.
Broad lender access
As an independent mortgage broker, Wynee continuously vets wholesale lenders to bring you competitive wholesale pricing and diversified loan offerings — giving you access to far more programs and options than any single bank can offer.
No out-of-pocket broker fee
Wynee's compensation comes from the lender — meaning you pay no out-of-pocket broker fee at closing.
Direct access to Wynee
You work with Wynee personally — every call, every email, every step. No call-center handoffs, and she's available evenings and weekends too.
What Clients Are Saying
“I had an outstanding experience working with my mortgage broker. From start to finish, they were knowledgeable, responsive, and truly had my best interest in mind. They took the time to explain every step of the process, answered all of my questions quickly, and made what could have been a stressful experience feel smooth and manageable. Their attention to detail and dedication ensured everything stayed on track and closed on time. I received conditional approval same day. I highly recommend them to anyone looking for a reliable and professional mortgage broker.”
Results not typical. Individual experience varies.
Testimonials are uncompensated public Google reviews. Reviewers received no payment, discount, or other consideration in exchange for their feedback, and no material connection exists between Encore Mortgage Solutions, Corp. and the reviewers. Individual results are not typical and will vary based on each borrower's circumstances, creditworthiness, and loan program.
Ready to run the numbers?
Apply online in minutes, use the DSCR calculator to estimate your investment property, or reach out directly for a personalized quote.