Sherry Cash
VP of Mortgage Lending/Renovation Specialist

The American Dream has been to own a home since the 1950’s and it is one of the most important financial decisions anyone can make. After working in the title insurance industry for several years, Sherry began her career in the mortgage industry in 1995. Her knowledge comes from working in various facets of the industry including mortgage brokers, banks, correspondent and direct lenders. Sherry truly enjoys helping her clients navigate the mortgage process and helping them choose a mortgage option that meets their financial goals. Life is not one size fits all, so your mortgage shouldn’t be either. Sherry offers a wide variety of Conventional, Jumbo, FHA, VA, USDA and renovation mortgage solutions including one tailored to meet your unique needs at a competitive rate, not just the latest trend in home financing. Have you found the almost or less than perfect home in the perfect location? Are you considering purchasing a bank, HUD or VA owned or “sold as is” property? Sherry began specializing in FHA & Conventional Renovation Financing in 2012. Renovation financing allows the cost of updating, cosmetic changes, additions and/or renovations to be included in your purchase or refinance mortgage loan. Your imagination is your only limitation! Born in Washington, DC, raised in Calvert County, Sherry currently lives in Annapolis with her husband of 20 years, Terry. In her spare time, she enjoys kayaking, reading, crocheting, hiking, biking, zip lining and horseback riding. Sherry enjoys serving on the worship team and with the women’s ministry at my church.

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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.

Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.

One discount points equals one percent of your loan amount.

Some jumbo loan options may not be available to first-time home buyers.

We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.

Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.

These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.

Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.


If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.

Adjustable Rate Mortgage (ARMs)

Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.