John Stoner, Mortgage Loan Officer | NMLS#202697

Pathlight Home Mortgage Solutions

Personal mortgage guidance in Maryland, DC, and Virginia, including credit support,
divorce buyouts, and estate buyouts

Helping You Finance with Confidence, Not Confusion

I’m John Stoner, a mortgage loan officer licensed in Maryland, Washington DC, and Virginia. I have been helping homebuyers and homeowners for 15+ years to find the most competitive rates and best programs available. I keep the process clear, calm, and organized from start to closing. I’m also a Certified Divorce Lending Professional and I regularly help borrowers with divorce buyouts and estate buyouts, plus clients who need extra support with credit and documentation.

Transparent Communication

You will always know what is happening, what comes next, and what I need from you. I keep things simple, direct, and easy to follow.

Low Costs, Strong Options

I shop for the right program and terms for your situation and focus on keeping closing costs as low as possible without cutting corners.

Credit Help and No Surprises

If credit is holding you back, I will help you build a plan. If your scenario is complex, I structure it correctly upfront so you can trust the loan will close on time.

Loan Options for Homebuyers and Homeowners

Whether you’re buying, refinancing, or navigating a major life transition, I’ll help you choose a program that fits your goals and your timeline.

Conventional

FHA

VA

Refinance

Conventional

Conventional loans are mortgages not backed by the government, offered by banks and lenders. They typically require good credit, stable income, and a manageable debt-to-income ratio. Down payments range from 3% to 20%+, and private mortgage insurance applies under 20%. Options include fixed-rate and adjustable-rate terms, for primary, second, or investment properties.

FHA

FHA loans are designed for first-time buyers or those with lower credit scores or smaller down payments. Backed by the government, they offer more flexibility and are ideal if you're just getting started or looking for a more accessible path to homeownership.

VA

VA loans are exclusively for veterans, active-duty service members, and eligible spouses. With no down payment, no private mortgage insurance, and competitive rates, they’re a well-deserved benefit for your service.

Refinance

Refinancing replaces your current mortgage with a new loan to lower your rate, change the term, or tap home equity. Homeowners refinance to reduce monthly payments, switch from adjustable to fixed rates, or consolidate debt via cash-out refis. Closing costs apply, and savings depend on credit, equity, loan size, and how long you’ll keep the home.

Loan Programs

Find the Right Mortgage for Your Situation

With access to a wide range of programs, I’ll help you compare your options and choose the mortgage that fits your goals. I work with first-time buyers, move-up buyers, VA and FHA borrowers, self-employed clients, and down payment assistance scenarios. I also specialize in divorce buyouts and estate buyouts, where getting the structure right matters most. You will get clear answers, a steady plan, and a process designed to stay stress free from application to closing.