Wendy Elover

NMLS# 1035209

Loan Officer

Wendy Elover
Loan Officer

NMLS# 1035209
State Lic: MD # 26-23325;
11019 McCormick Road
Suite 410
Hunt Valley, MD 21031
Direct: (410) 553-2637
Mobile: (410) 925-4608
Fax: (866) 502-2938

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Welcome! Buying a home is a big decision, and as your loan officer, my team and I will personally work with you every step of the way - from pre-qualification to home ownership. With the distinct advantage of having my entire team under one roof (processors, underwriters, & closers), we can move your loan smoothly and efficiently through the mortgage approval process.

My team and I are committed to:

(1) Providing a flow of communication to keep everyone up to date & "in the loop"

(2) Closing loans ON TIME

(2) Building lasting relationships that make it easy and comfortable for you to refer me to friends and family

(3) Continually meeting and exceeding your expectations.

I invite you to put me to the test. I look forward to being your trusted loan officer for life!

If you are a Realtor, Financial Services Professional, Family Law Attorney, or Builder, I will follow up on each and every referral. I will also share with you my state of the art co-branded marketing tools.


Mortgage Education

View these helpful tips for becoming a homeowner.
Wendy Elover was extremely helpful throughout the loan process and stayed in constant communication. She was happy to answer any and all questions that I had (and I had quite a few) via email, text, and phone. She was even on the phone with me on a Saturday afternoon to make sure that I would be approved for the amount I wanted to offer on a house.Lauren Lombardi

NMLS# 1035209

State Lic: MD: 26-23325;

Corp Lic: MD: 12423;

Tips for a Simple Loan Approval

If you encounter a special situation, it is best to mention it to us right away so we can help you determine the best way to achieve your goals.




10 Steps to Homeownership

From pre-approval to closing, Academy will help you along the road to homeownership. You can count on us for responsible, honest, and ethical service in every step of the process.

  1. Loan pre-approval. Pre-approval allows you to search for a home that you can afford based on your credit, income, and assets. An application and supporting financial documents must be submitted to your Loan Officer, including pay stubs, tax returns, and account statements.
  2. Home search Once pre-approved, start shopping with your real estate agent! When you decide on the right home for you, the terms of sale are negotiated and your agent presents your offer to the seller.
  3. Formal loan application and product selection. After the seller accepts your offer, formally apply for home financing and select the ideal loan product to meet your needs.
  4. Appraisal and home inspection. As your application is being processed, an appraisal is ordered to identify any discrepancies between the sale price and appraised value. Properties are also inspected for water and termite damage and other safety hazards.
  5. Processor’s and underwriter’s review. A loan processor reviews the entire loan file and sends all pertinent information to an underwriter who makes the final decision to approve the loan.
  6. Final loan approval. If you have a good credit score and debt-to-income ratio, your loan will likely be approved. Keep in mind that there may be financial conditions or property conditions that need to be met before final loan approval.
  7. Closing. Final loan and escrow documents are prepared and signed by you (the buyer) and the seller.
  8. Funding. A wire or check for the amount of the loan is sent to the title company.
  9. Close of escrow. Documents that transfer titles are recorded with the county.
  10. Confirmation of recording. The title company authorizes the escrow company (or closing agent) to draft a check to the seller.

Ultimately the final step . . . MOVE INTO YOUR NEW HOME!



For many, the benefits of buying a home outweigh the advantages of renting. With mortgage interest rates at historic lows and rents on the rise, now is an affordable time to finance a mortgage with a fixed monthly payment lower than rent.

If you plan to stay in your home for more than six years, buying a home could save you thousands of dollars over renting. And don’t forget about the noisy neighbors upstairs.

The Benefits of BUYING

Mortgage loan interest is deducted from your state and federal income taxes and a portion of your property taxes may also be deducted.

Fixed mortgage payments (principal and interest) will not change during the loan term whereas rent payments may increase annually.

Owning a home long term allows equity to build and thus your home investment to grow.

The Benefits of RENTING

Renting may be the preferred option for those planning or needing to make a move in less than six years.

Renters are often able to rely on landlords and property managers to pay for and make necessary home repairs.

Some utility expenses may be included in monthly rent payments.

Contact me today to start realizing the benefits of homeownership.

Please consult a tax professional about your specific situation and the tax savings benefits of homeownership.