Brian was fantastic to work with throughout the mortgage process. He was responsive, knowledgeable,…read moreand took the time to explain every step clearly, which made a stressful process feel much more manageable. He shopped options, answered questions quickly, and was always transparent about rates, fees, and what to expect. What stood out most was how professional and steady he was from start to finish. I never felt pressured, and I always felt like he had my best interests in mind. If you're looking for a mortgage broker who is sharp, trustworthy, and easy to work with, I would absolutely recommend Brian.

Over the years, we have worked with Brian on multiple home mortgages. His expertise saved us a lot…read moreof money and helped us get the loans we needed to eventually buy our dream home. He went way beyond our expectations for service and helpfulness throughout the process. He continues to provide excellent counsel as we have investigated refinancing our mortgage and buying a second home. As others have also said, I cannot recommend him highly enough.

I would highly recommend Pat Jenkins, the senior loan officer. She was nothing but kind and very…read morehelpful with our loan process of our new home we just purchased. She was always available for any questions. We even reached out to her over the weekends. She was always very responsive. She always kept a positive attitude, and it was such a pleasure to do business with her! We, of course, were approved of our loan. I am glad we chose this mortgage company and would recommend it to my friends who may be interested in purchasing a new home. Thank you, Pat, for helping this process run smoothly.

We can't say enough about Bill Jeffreys and his Team at Bay Capital Mortgage and their attention to…read moredetail and quick response to all our needs. Bill responded immediately to our inquiry about a possible mortgage with him; he quickly worked up a loan estimate that included the estimated escrow and estimated taxes, insurance and assessments. He was very accurate in estimating the loan costs. He then offered, without our asking, an alternate estimate based on a higher down payment that eliminated the need for "PMI" Mortgage Insurance. PMI is not a benefit to the homeowner so its elimination was appreciated. During the closing process his Team helped us coordinate all the documents that were needed, and the final process wrapped up without a hitch which was super important to us as we were moving from NH to Maryland and were in transit during those final hours and they were in touch with us every step of the way. Bill also followed up this week, one month after our closing, with an application form for a Homestead Tax Credit, and even included a stamped return envelope for us to get that into the mail quickly. We will definitely recommend Bill over and over again.

Very professional and knowledgeable , him and his staff kept me informed throughout the entire…read moreprocess. He was always available to answer any questions or address any concerns we had. He was very helpful and made sure we understood what certain documents were for before we signed them.

Michael & Rossita Butler from Bowie, MD We purchased a…read moresecond home with Ernie. He worked countless hours and even after hours to see us in our second home. If you are looking to buy a home look no further, Ernie is the best hands down. He is not just a lender, but a friend. Ernie is truly a musician he makes it happen.

I first met Kyndle Quinones when she was the commissioner of the local girls lacrosse program in…read moreour community. I was instantly impressed with the way she mentored the girls and the dedication she exerted. Then I learned she was a mortgage lender and a top performer. Now she runs the local office and has a team that works just as hard as she does. I've heard her on the phone when in her office fighting for the best options for her customers. Her professionalism and tenacity will surely be a resource for anyone looking for a home loan. I'm proud to recommend her. Work hard! Play hard!

Kyndle Quiones and her exceptional team have always closed my clients on time which is a very…read moreimportant factor for me when choosing a lender to work with. Selling real estate for over 20 years, I have run across many lenders to choose from. Primary has competitive rates, unique loan programs and very fair underwriting guidelines. Every one of my clients have raved about Kyndle and her team. Hats off for the hard work and dedication!

If you want to have your real estate sales experience ruined, go with a buyer using Universal…read moreMortgage and Finance, Inc. out of Edgewater, MD. We waited on loan processing for two months, delaying my sale multiple times. A manager had to eventually take over the loan but he really couldn't give a damn that everyone in chain was affected. BE CAREFUL IF YOU ARE DEALING WITH THIS LENDER ON ANYTHING!

From the owner: Who we are... Universal Mortgage & Finance, Inc. is a direct…read morelending institution that prides itself on always putting the borrower's needs first and building long lasting relationships in the communities we serve. For two decades we have successfully serviced the needs of those refinancing, new home buyers, real estate professionals and builders. Universal Mortgage & Finance, Inc. works with Tier One investors and offers a full range of programs to satisfy a variety of residential loan needs. To ensure quick turn times, quality and efficiency Universal Mortgage & Finance, Inc. is suitably equipped with In-House Processing, Underwriting, Closing, Funding and Appraisal Order Management. Who we serve... Whether for a first-time home buyer, a growing family or an established homeowner looking for an investment or vacation property, Universal Mortgage & Finance, Inc. offers a wide range of financing options to meet home buyer needs. Our experienced and knowledgeable loan officers will review each home buyer's personal financial position and help them decide the best solutions. Whether you are a client or partner of Universal Mortgage & Finance, Inc., expect superior customer service and an excellent support system. Universal Mortgage & Finance, Inc. offers exceptional mortgage services online that gives the borrower the ability to electronically track their loans from start to finish. NMLS # 118030

I made an appointment to see a couple rental units with one of their agents. The appointment was…read moreconfirmed the day before. After waiting around for 10 minutes outside the place, I called the agent (Jennifer Chino) to inquire on her whereabouts. She had "forgotten" about our appointment, and could no longer make it. No offer to send another agent out...... I had driven almost 45 minutes from another showing to meet up with her, and then had to drive 45 minutes back. More than 2 hours in total wasted on a weekend where I had to find where I would live when I moved to the area. I would never contact them again, and I could never recommend them to someone looking to find or list a rental.

There are agents at this brokerage that are very dishonest. You must be careful. The worst one is…read moreA.H. She knows who she is. A new home is too expensive to allow a person who will say anything to close the deal. Fortunately we caught her dishonesty and pulled out of the deal. BE CAREFUL.

I was Recently a tenant of one the properties managed. By Jill, I was faced with some hardships and…read morechallenges created by the pandemic emergency. Jill was not only understanding my issue but she also was the perfect Liaison between myself and the actual property owner. EVen more importantly, however, assumingely in appreciation for my time as one of their clients, Jill went above and beyond to help me through a tough relocation process and eventually played an integral part in getting me into a new property despite it having no benefit of hers or her business. In today's world it is rare that we come across people who not only treat you professionally but also take the time to be a great human being. I highly recommend doing business with her and her company and would do so in the future if/when the opportunity arises.

Jill and Matt have Wonderful personalities they have a yearly picnic for all past clients and…read morecurrent clients of mdc reality, they allowed us to come enjoy their festivities with everyone despite us not being past or current clients. When I came I knew no one and didn't know what this activity was about but they both greeted my husband and I personally and answered any questions that we had and made us feel welcomed. Gave our family an extended invitation for the coming years with MDC. I was very grateful for the opportunity to get to know them as an individual and the company. I can highly recommend that if you are looking for a great company to find your perfect home to go with MDC REALTY!

I recently refinanced my mortgage with Miles Lamborne and his team. It was an excellent experience…read moreoverall. All concerns were addressed quickly and professionally. Communication was great through the entire process. Very efficient use of time and technology to make for a very easy and satisfying experience. Highly recommended.

From the owner: Purchasing a home with the right loan is simple with Lamborne Lending, Powered by Nexa Mortgage…read more We're a mortgage lender in Annapolis, MD, helping people with their mortgages, refinancing, and home purchases. Contact our team today to learn more!

Deanna Furman was the lender with whom we worked and there are not enough stars on this review to…read moreproperly credit her. She explained the process and details vividly step-by-step and was extremely accessible at all hours of the week and weekend. She was consistently and enormously patient and communicative. Deanna was an absolute rock star throughout the entire buying process and a complete pleasure. She epitomized superior customer service. Not only will we refer her services to everyone we know, we will go back to her for our lending questions/needs for life!