Vic Biscoe at Direct Mortgage Loans

Vic Biscoe at Direct Mortgage Loans Licensed mortgage lender offering VA, FHA, USDA, and conventional loans, refinancing, and HELOCs. Business Development Manager
NMLS 147655

Local loan officers providing expert home-buying guidance from application to closing. Please allow me to introduce myself, I am Vic Biscoe and I have been in mortgages for 22 years, time flies when you are having fun!!! I have lived in Baltimore my whole life and am a graduate of Calvert Hall, go Cards!!! I have a beautiful Wife and Daughter that keep me grounded and have supported me in my business and don’t give me too much gruff about working weekends and nights when necessary. I truly am 100% referral through past clients, friends, family and my referral partners. My goal is to provide you with the kind of service so that you will refer me to anyone you know that might need mortgage assistance. I provide that service by explaining everything that will happen so that you are truly prepared for the financing aspect of purchasing a new home. An educated borrower makes my job a lot easier and setting the expectations upfront is a great way to avoid any confusion. I will never tell a client that they can’t buy or refinance a house but will let them know how we can get to that goal. It does surprise me how many people will leave their biggest purchase to a call center or some random guy that they might find in the phone book or online, you need someone that you can trust and that will be 100% accountable and will get the job done right. I could post hundreds of testimonials on this site but that is not what I want to do, I would rather you ask the person that referred you to me how good of a job I did for them. I am always available to discuss your financing options, whether purchasing a new home or refinancing your existing mortgage or maybe a second home or investment property. I pride myself on the level of service and that means quick responses. Preparing to purchase a new home is exciting and can also be stressful. Let me take the stress out of your financing and let's get started on the path to your new home!!!

Think your credit score is the only thing standing between you and a home loan? Think again. 🏡Lenders look at the whole ...
10/06/2026

Think your credit score is the only thing standing between you and a home loan? Think again. 🏡

Lenders look at the whole picture, including your credit history, payment history, income, debt, assets, and reserves.

Your number matters, but it’s only part of the conversation. When you’re ready to explore your options, Go Direct.

Buying a home takes more than just a down payment. 🏡💰 From closing costs and inspections to earnest money, appraisals an...
10/02/2026

Buying a home takes more than just a down payment. 🏡💰 From closing costs and inspections to earnest money, appraisals and reserves, knowing what to expect can help you plan with confidence.
Want to know how much you may need to buy your next home? Let’s talk!

How much house can you really afford?Getting approved for a certain amount does not always mean you should spend that mu...
09/29/2026

How much house can you really afford?
Getting approved for a certain amount does not always mean you should spend that much. Your budget should account for a payment that feels comfortable and leave room for the things that matter most, like saving, traveling, raising a family, building your future, and reaching your long term financial goals.
Before you start shopping, know your numbers and find a payment that works for your life.
Your home. Your loan. Go Direct.

NEW CONFORMING LOAN AMOUNT 🚨Conforming loan amounts are now available up to $845,000 with select investors for new locks...
09/21/2026

NEW CONFORMING LOAN AMOUNT 🚨
Conforming loan amounts are now available up to $845,000 with select investors for new locks beginning September 17, 2026.
A few important details:
• Available with select participating investors
• Standard conforming pricing and underwriting apply
• Subject to each investor’s guidelines
• Government loan limits remain unchanged
Important: This is not the official 2027 conforming loan limit. FHFA is expected to release the official 2027 limit on or after November 25, 2026.
Have questions about what this could mean for your buyers? Let’s talk. Go Direct.

Helping first time buyers find the right home is about more than showing listings. It is about asking the right question...
09/17/2026

Helping first time buyers find the right home is about more than showing listings. It is about asking the right questions, creating clarity and giving buyers the confidence to make the decision that feels right for them. 🏡🧡

Realtors, your guidance matters. And when you have a strong lending partner beside you, you can help your buyers move from overwhelmed to ready.

Go Local. Go Direct.

With a DSCR loan, the focus is on the property’s ability to generate rental income rather than your personal income. Tha...
09/14/2026

With a DSCR loan, the focus is on the property’s ability to generate rental income rather than your personal income. That can make financing an investment property a different conversation than a traditional mortgage.

Ready to explore your options? Talk to your DML loan professional and see if a DSCR loan could be the right fit for your investment strategy.

Your investment. Your loan. Go Direct.

Buying a home? 🏡 Before you start touring houses, make sure you know these five numbers: your credit score, monthly inco...
09/08/2026

Buying a home? 🏡 Before you start touring houses, make sure you know these five numbers: your credit score, monthly income, monthly debts, down payment, and the monthly payment you’re actually comfortable with.

Knowing these upfront can help you shop smarter, understand your options, and avoid falling in love with a home outside your budget. Let’s get you pre approved and ready to shop! 🧡

🇺🇸 Happy Labor Day from DML! 🇺🇸Celebrating the hardworking team that shows up for our clients every single day. 🧡 Enjoy ...
09/07/2026

🇺🇸 Happy Labor Day from DML! 🇺🇸

Celebrating the hardworking team that shows up for our clients every single day. 🧡 Enjoy the long weekend!

📞 REALTORS: Before You Hit "Send" on That Offer... Make One Call.A quick conversation with your lending partner can make...
09/04/2026

📞 REALTORS: Before You Hit "Send" on That Offer... Make One Call.

A quick conversation with your lending partner can make all the difference.

Before submitting an offer, take a few minutes to confirm your buyer's approval amount, loan program, estimated cash to close, and timeline. It's a simple step that helps prevent delays, surprises, and unnecessary contract headaches.

Five minutes on the phone today can save weeks of cleanup later and help your clients move forward with confidence.

Address

1447 York Road
Lutherville, MD
21093

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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