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  • What are the Benefits of JumpStart/Rate Assurance?

    1. Interest Rate Protected Up To 90 Days
    2. More Than a Prequalification or Preapproval
    3. Loan Approved By An Underwriter
    4. Shop With Confidence
    5. Make Your Offer Standout

    The JumpStart Pre-Approval Program With Rate Assurance Lets You Shop With Confidence and Set Your Offer Apart From the Rest!

If you’d like more information on JumpStart or Rate Assurance, fill out the contact form below.  If you’re ready to apply and get preapproved, click “Get Started” or download our app to follow your approval and loan closing process from your phone!!

Lock Your Interest Rate

Lock your rate for up to 90 days and protect your monthly payment from going up while you search for the right home. If rates go up, your rate stays the same. If rates go down, your rate drops. Either way, you get the better rate.

Confidence in Your Offer

A JumpStart Pre-Approval can give you confidence and a position of strength when negotiating with a seller. With credit verification and providing income and asset information up front, your offer will stand out in today's competitive housing market. You need to be ready to make an offer quickly when you find the right home for you and your family. On top of that, you may need to beat out other offers. The stronger your approval, the better your chances are.

Shop With Confidence

The JumpStart Pre-Approval Program has three levels of approval to help you make the strongest offer.



We are able to check your credit and ask a few simple questions. With that information, we provide you and your real estate agent a Pre-Qualification letter which shows how much you can borrow and gives you an idea of what you can afford.

JumpStart Pre-Approval

When a seller is comparing two offers and one of the buyers has been pre-approved, there is a high confidence level that the deal will go through and close sooner. Knowing that your key information has been reviewed by an underwriter ahead of time will give you, and the seller, confidence.

Home in Maryland

JumpStart Pre-Approval with Rate Assurance

The added benefit of Rate Assurance with a JumpStart Pre-Approval allows you to lock your interest rate for up to 90 days, giving you the confidence to focus on finding the right home. If rates go you, your initial rate is guaranteed. If rates go down, you get the lower rate. Either way, you have the best rate secured.

The JumpStart Pre-Approval with Rate Assurance is available for 30-year fixed-rate conventional, FHA or VA loans. A Acela Mortgage Partners Loan Officer is dedicated to helping you find the best option.

The JumpStart Pre-Approval with Rate Assurance program is for pre-approval loans without a property address. The JumpStart Pre-Approval with Rate Assurance Program is for
Standard Conventional 30 Year Fixed, FHA and VA loan programs. The rate can be locked for either 60 or 90 days. Borrowers are eligible for a one time rate float down when contract
is received. At the time the contract is received we will compare the initial rate lock with the current market “Rate Assurance 60 Day Price.” The borrower will receive the better of the
two rates. The new rate lock expiration will be to the closing date specified on the sales contract or up to maximum of 60 days. Bearer must lock their interest rate no later than December
31, 2021. Appraisal fee must be paid by bearer at the outset of the transaction. Payments may be made by cash, check, debit or credit card. Please consult with your loan originator to
determine whether payments made by credit card will impact any minimum contribution/down payment requirements. If the loan closes and funds, Norcom will credit the appraisal fee
up to $500. All loan applications must qualify under underwriting requirements and satisfy all contingencies of loan approval. This offer and the total credit amount is subject to loan
program parameters and minimum down payment/contribution requirements. Applications that do not close and fund will not qualify for the offered credit. This is not an offer to make
a loan or to make a loan on any particular terms. Rates and terms subject to change without notice. NMLS ID # 1770238 (www.nmlsconsumeraccess.org)



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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