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We Specialize in Renovation and Home Remodel Loans!

Renovation loans with the Acela Mortgage Team are handled by an in-house team of experts that guide you through the process. Did you know that Renovation Loans aren't limited to just the FHA 203K?  We have VA, USDA, and Conventional Renovation Loans!  That means that there are some options that may not require a down payment! You can finance repairs, additions, renovations, appliances, and so much more. Home Improvement Loans are not just for purchasing a primary residence - you can buy a 2nd Home or Vacation spot or simply refinance your current home. There are some many cool things that are now available - click below to learn more!


Adam Backes - Acela Mortgage Team


Looking to accelerate your mortgage experience?  Adam and the Acela Mortgage Team can help!  He is your premier mortgage lender and local loan expert.  The Acela Team uses the latest industry technology and offers a wide array of loan products, competitive interest rates and strive to make the loan process simple, straightforward and fast for borrowers seeking a mortgage in any of the areas serviced. Whether you are a first-time home buyer, repeat home buyer, purchasing or building your dream home, renovating the home you’re buying or already own, refinancing an outstanding loan, or consolidating debt, we can help you take that first step toward that perfect financial solution.  The ultimate goal is to create lasting relationships with each and every client and to continue providing excellent service for many years to come.

In order to accomplish our mission, we offer all the most popular and common loan programs in the marketplace.  Adam, a.k.a. Mister 203K, has also been specializing in Renovation Loans and Construction Loans for over a decade now:


  • Down Payment Assistance Programs
    • State Housing Programs
    • County/Local Housing Programs
    • DPA Advantage
    • Norcom 100
  • Non-conforming/Non-QM Loans
    • Bank Statement
    • 1099
    • Foreign National
    • ITIN

We offer unparalleled mortgage service to clients throughout the entire state of Maryland.  We primarily serve areas in Central and Southern Maryland and Eastern Shore including Anne Arundel, Baltimore City, Baltimore County, Calvert, Caroline, Carrol, Charles, Dorchester, Frederick Howard, Kent, Montgomery, Prince George’s, Queen Anne, St. Mary’s and Talbot counties.  Being from Southern Maryland, Adam has a local presence in areas such as Dunkirk, Owings, Huntingtown, Prince Frederick, Chesapeake Beach and North Beach. We lend in all the following states:


Maryland | District of Columbia | Delaware | Florida

North Carolina | Pennsylvania | South Carolina | Texas | Virginia

Please browse the site, check out his reviews and contact Adam if you have any questions at all. Best ways to reach him are via his cell – texting (410-610-4965) is a-okay - or email (!  If you're ready to get preapproved, click Apply Now on the top right of this page. He looks forward to hearing from you and assisting you with your mortgage needs! Download our FREE Mobile App! Now available on Android and iPhone!

Today's Rates

Mortgage Rates change on a daily basis and can vary depending on your unique situation. Simply use this form to receive FREE and accurate rate quotes from a nationwide network of trusted lenders.

Purchase Assistant

This Free Purchase Assistant has been designed to help narrow down options based on your individual needs. It’s quick, it’s easy, and the results are accurate. You’ll receive the Purchase information you need without all the calls and emails!

Refinance Advisor

This Free Refinance Assistant has been designed to help narrow down options based on your individual needs. It’s quick, it’s easy, and the results are accurate. You’ll receive the Refinance information you need without all the calls and emails!

Easy Street Mobile App.

Download our FREE Mobile App! Now available on Android and iPhone. 

What our clients are saying about us

Our client's love us and we've got the testimonials to prove it!



Aquasco, MD

Adam stuck with me for over a year. Always had an answer to any question or what if scenario i would throw at him. Overall made this whole process super easy! Highly appreciate you Mr.Backes



Jacksonville, FL

I recently refinanced investment property through Southern Trust and found Adam Backes and his Team to be professional, courteous, and extremely efficient. I would not hesitate to use them again or to recommend them highly. Thanks, Southern Trust, for a flawless transaction!



Fort Washington, MD

Adam made every effort to keep us positive in the process though there were hiccups along the way. He always made sure he presented options and explained the what, when, and why. Thank you, Adam. we appreciated all your help and final approval.



Huntingtown, MD

Adam was great to work with! We began working with him 6 months ago, and never had to question what was going on because he always communicated. He walked us through each step and kept us in the loop on every single detail! I'd recommend him to anyone in the market!



Lusby, MD

Adam and his team are exceptional. I wouldn't recommend anyone else. They were spot on with all quotes. He explained everything in great detail. Than you Adam and team!



Adam Backes
NMLS# 653829
DC, DE, FL, MD, NC, PA, SC and VA
Norcom Mortgage
NMLS #71655


Adam Backes - Acela Mortgage Team

(410) 610-4965
2139 Espey Court
Suite 1
Crofton, MD 21114

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