Financing Your home starts here.

At Every Price Point

The right mortgage can be just as important as finding the right home. With over 28 years of mortgage lending experience, Steve Prince has helped thousands of buyers navigate the financing process with clarity, honesty, and personalized guidance.

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Mortgage Calculator

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Trust

The Pilot Matters

Why Work with steve?

Unlike many loan officers, Steve understands both sides of the transaction. His unique combination of expertise allows him to help clients understand exactly how their financing fits into the bigger picture.

  • 28+ Years in Mortgage Lending
  • Licensed Real Estate Professional
  • Former Licensed Real Estate Appraiser
  • Managing Partner of Tolliver Prince Realty

"It's not just about getting approved. It's about choosing
the mortgage that's right for your future."
Services

Services

WHAT'S YOUR NEXT MOVE?

Buying and selling require different strategies. Both deserve experienced guidance.

Client-First Mindset
Your needs, goals, and pace come first. We listen closely and advise honestly, always putting your best interest above the sale.

Client-First Mindset

Tailored Guidance
No generic scripts. Every strategy is customized to your lifestyle, market conditions, and long-term vision.

Tailored Guidance

Local Insight, Deep Roots
As a Talbot County native, Julie brings unmatched local knowledge and trusted connections across Maryland’s Eastern Shore.

Local Insight, Deep Roots

Calm, Clear Communication
From offer to closing, we keep you informed and prepared—never rushed or overwhelmed.

Calm, Clear Communication

A Trusted Advocate for Life
This is more than a transaction. We’re your ongoing real estate partner—today and for every chapter ahead.

A Trusted Advocate for Life

Purchase Loans

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From conventional financing to complex Jumbo loans for luxury estates, we evaluate your total financial picture to secure the best rates and terms.

Refinancing

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Optimize your current equity. We guide clients through rate-and-term adjustments or cash-out strategies for home renovations.

Investments

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Leverage our deep market knowledge. We provide financing solutions for multi-unit properties, turning real estate into lasting wealth.

TRUST

Honest Advice

Should You shop around?

"Absolutely."

Most mortgage companies avoid this question because they don't want you talking to competitors. We encourage it. Buying a home is one of the largest financial decisions you'll ever make. We encourage every buyer to compare interest rates, closing costs, loan programs, communication, and overall service.

If another lender has already provided you with a loan estimate, Steve is happy to review it with you, answer your questions, and provide a complimentary second opinion. Whether you choose to work with Steve or another lender, our goal is the same: helping you make the best financial decision for your future.

Request a Second Opinion
Client-First Mindset
Your needs, goals, and pace come first. We listen closely and advise honestly, always putting your best interest above the sale.

Client-First Mindset

Tailored Guidance
No generic scripts. Every strategy is customized to your lifestyle, market conditions, and long-term vision.

Tailored Guidance

Local Insight, Deep Roots
As a Talbot County native, Julie brings unmatched local knowledge and trusted connections across Maryland’s Eastern Shore.

Local Insight, Deep Roots

Calm, Clear Communication
From offer to closing, we keep you informed and prepared—never rushed or overwhelmed.

Calm, Clear Communication

A Trusted Advocate for Life
This is more than a transaction. We’re your ongoing real estate partner—today and for every chapter ahead.

A Trusted Advocate for Life

The Advantage

Why Buyers Trust
steve prince

  • 28+ Years Lending Experience
  • Real Estate Professional
  • Former Licensed Appraiser
  • Personalized Strategies
  • Honest Second Opinions
  • No Pressure. No Obligation.

Steve's unique combination of valuation and lending knowledge allows him to help clients deeply understand which loan program best fits their goals, how monthly payments affect affordability, property value considerations, financing strategies that strengthen purchase offers, and long-term financial planning.

Available Loan Programs

Jumbo Loans

Conventional Loans

FHA Loans

VA Loans

Investment Property Financing

Second Home & Vacation

First-Time Homebuyer

Refinancing Options

Estimate Your investment

Estimate your monthly payment and see how much house you can afford.

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+ Add Extra Payments

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Payment Breakdown

Customize your mortgage payment

Principal & Interest
Monthly Extra Payment + Add Extra Payments
Home insurance (per year)
%
$
Property Taxes (per year)
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HOA Fees (per month)
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PMI (per year)
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Total Monthly Payment

Total Of All Payments

Down Payment & One-time Expenses
Principal
Interest
Extra Payments
Home insurance
Property taxes
HOA fees
PMI (not required)

Amortization Schedule

Mortgage Payoff Date:

Payment breakdown as of

Remaining Balance
Principal
Interest

The Next Step

Let's Find the Right loan together.

Whether you choose to finance through Steve or another lender, we're committed to helping you make an informed decision with confidence. If you'd like a second opinion or simply want to explore your options, we'd love the opportunity to help.

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