Our mortgage team allows for a seamless process from preliminary approvals to closing on the day you move in. This outstanding team effort allows for stream line processing of your loan and peace of mind.

USDA Loan Program

Growing in popularity, the USDA loan offers incredible benefits to borrowers on the Eastern Shore:

  • It's not "just for farmers", Most homes built on the Eastern Shore qualify
  • Offers better terms than an FHA or conventional loan
  • Lower Rates and $0 Down Financing
  • Can be used to buy a new home or refinance to a lower rate
  • Owning instead of renting increases tax deductions putting more money in your pocket

At Smucker Homes, we pride ourselves with giving our customers the best service in the industry. The last thing we want to do is build you a dream home that you cannot afford. In order to assist with financing, we have partnered with very talented loan specialists. From helping first time homebuyers, to existing homeowners looking to move up, they are skilled mortgage professionals who will guide customers through the mortgage process from the initial mortgage pre-qualification to a stress-free closing.

Mike Ciorrocco

Nations Lending



Smucker Homes can offer construction financing to qualified buyers.

Our construction loan programs allow for down payments as low as 5% and lower interest rates than most banks. The loans may be used to finance purchase of building lot and build your new home. The construction loan program allows for a one time closing and minimizes cost to you, the home buyer.


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