Business Details
13 Years
experience
Your Trusted Mortgage Partner in Bethesda, MD
Founded in 2013 by Brendan and Tina McKay, our family-owned mortgage brokerage was built on trust, experience, and a shared passion for helping families achieve homeownership. With decades of expertise in underwriting and operations, we bring a deep understanding of how loans get closed and how to prevent problems before they reach our clients. Our behind-the-scenes knowledge allows us to streamline the mortgage process, making it smoother, easier, and less stressful for the families we serve. Starting with Brendan originating loans on nights and weekends, we grew rapidly, opening our own branch within a year and founding McKay Mortgage shortly thereafter.To date, our team has helped over 1,300 families secure more than $600 million in home financing. For us, this is more than businessits family helping families, backed by expertise you can trust and a process designed to make home buying simple. Our commitment to education empowers clients to make informed decisions, while our low overhead and independence ensure competitive rates and personalized service tailored to each clients unique needs.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Renovation Loans
Refinancing
First-Time Buyer Programs
Details
- Year established: 2013
Highlights and features
- We offer decades of underwriting expertise to prevent loan process issues.
- Our team provides personalized education to empower informed mortgage decisions.
- We maintain tight margins and low overhead to pass savings to clients.
- As independent brokers, we shop your loan across top national lenders.
- Our process prioritizes transparency, with no hidden fees or surprises.
What people say
Excellent communication
Stress-free process
Expert guidance
Competitive rates
Personalized service
Services
Conventional Loans
Conventional loans offer flexible terms for borrowers with strong credit. We provide options with down payments as low as 3%, no mortgage insurance with 20% down, and terms from 10 to 30 years. Our brokers help clients navigate requirements like credit scores above 620 and debt-to-income ratio optimization, ensuring competitive rates through our independent lender network.
FHA Loans
FHA loans assist borrowers with lower credit scores or smaller down payments. We guide clients through requirements like 3.5% down with a 580+ FICO score, mandatory mortgage insurance, and primary residence requirements. Our team simplifies the process for first-time buyers while ensuring compliance with FHA guidelines for property condition and loan limits.
VA Loans
VA loans provide zero-down financing for eligible veterans and service members. We handle VA funding fee calculations, credit qualification (typically 620+), and primary residence requirements. Our specialists streamline the Certificate of Eligibility process and ensure compliance with VA appraisal standards for property safety and value.
USDA Loans
USDA loans offer 100% financing for homes in eligible rural areas. We verify income limits, property eligibility, and credit requirements (usually 640+). Our team assists with upfront and annual guarantee fees, ensuring properties meet USDA standards for location and condition while maximizing benefits for qualified buyers.
Refinancing
Our refinancing options include rate-and-term adjustments, cash-out equity access, and streamline programs. We analyze break-even points, current equity positions, and credit profiles to determine optimal timing. Clients benefit from our lender comparisons to secure lower rates, reduced monthly payments, or tailored terms for financial goals.
People
Brendan McKay
Broker/Owner
With over a decade of mortgage industry experience, Brendan founded McKay Mortgage to simplify home financing. His expertise in loan origination and client education drives our mission to make homeownership accessible while maintaining rigorous compliance standards.
Tina McKay
Broker/Owner
Tina brings decades of underwriting and operations expertise to our team. Her deep understanding of loan approval processes ensures smooth transactions, while her commitment to client education helps families navigate complex mortgage decisions with confidence.
Matt Linde
Operations Manager
Matt oversees our loan processing workflows, ensuring timely document verification and underwriting coordination. His attention to detail and systems optimization expertise maintain our high closing success rate and client satisfaction benchmarks.
Chandy Burke
Loan Analyst
Chandy specializes in financial documentation analysis and pre-approval assessments. Her meticulous review of income verification and asset documentation ensures accurate loan qualification while minimizing processing delays for our clients.
Diane B. Cook
Loan Officer
Diane provides personalized mortgage guidance to first-time and repeat buyers. Her expertise in loan program selection and credit preparation helps clients achieve homeownership goals through tailored financing solutions and transparent communication.
Questions
What mortgage loan types do you offer?
We offer conventional, FHA, VA, USDA, jumbo, and renovation loans to suit diverse homebuying needs.
How does your mortgage process work?
Our process includes documentation review, appraisal, underwriting, conditional approval, clear-to-close, and final closing steps.
Do you offer refinancing options?
Yes, we provide rate-and-term refinancing, cash-out refinancing, and streamline options for qualified borrowers.
Are you licensed in my state?
We are licensed in Maryland, Washington D.C., Delaware, Virginia, Florida, and Pennsylvania.
How can I get pre-approved for a mortgage?
Start by submitting our online application or scheduling a consultation to review your financial situation.
What sets you apart from other lenders?
Our family-owned approach combines personalized education, low overhead savings, and independent lender access.
