For the last 30 years, I have been helping families in MD, PA, VA, DE, and FL with their mortgage needs. Over this time I have had the opportunity to see and experience many changes in the mortgage lending business as a loan officer, manager, and company owner. You have a lot of choices when deciding which mortgage company and loan officer is right for you. The importance of this type of financial transaction requires you to have high expectations with your loan officer and the company that stands behind them….I will exceed those expectations! To read reviews from past clients please follow this Link To Zillow.
I am a graduate of the University of Maryland (Go Terps!) and have resided in Westminster, MD for 23 years with my wife and three sons. Thank you for considering me for all of your mortgage needs!
Please note: You will be taken to an application page that will require you to create an account if you have not created one already.
If you are looking for a lower rate to ease cash flow or a shorter term to get your mortgage paid off sooner, we can help you make the RIGHT decision.
Getting a new mortgage to replace the original is called refinancing. This process allows the borrower an opportunity to obtain a different interest term and/or rate. The first loan is paid off, then the newly refinanced loan goes into effect.
It is common for people to refinance when they have equity in their home, which is the difference between the amount owed on their mortgage and the appraised value of the home. In that situation, the borrower has an option to “cash-out” (hence the term cash-out refinance) the value of their home equity allowing them to remodel their home, consolidate debt, pay for college, or other expenses.