Two weeks ago I called SOUTH RIVER MORTGAGE for info. I told them that I was not interested in…read moretheir loan offer. I have been barraged with calls from them ever since. ON Wednesday May 13 I received 12 calls from SOUTH RIVER MORTGAGE BETWEEN 6:45 AM and 10:30 AM. Four additional calls in the afternoon. I blocked their number but they just used another one. I blocked six numbers.

Hello this is George Barrie i have been with Southriver Morg. since July of 2024…read moreInitally I was Forced into this because of my Wife Passing at the worst time in my life because of work related Deceases from Rocky Flats a Nuclear Weapons Facility that Leaked Radioactive Contamination on my clothing and went through there Refinance with Mr. HUNTER i would like to add he and /Zak sen. V/P where right there for me and bent over backwards to help me understand this Criteria which is imposable to get outside help no one understands ins./outs of a rev. Morg. unless it's bad because that's all anyone heares about. Im not done with the longevity of the Program yet, but i checked around and this was the BEST choice EVER thank you Sincerely George Barrie Jan 28 2025

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.

They are so much better than USAA. Remember that with a credit union the customer is also a…read morepartial owner.

I arrived at NFCU and was instantly greeted by a smiling young professional. She listened to a…read moreconcern I had with my account. After a bit of research she confirmed that my concern was understandable. She advised that I present my concern to the next available teller. CJ was another young professional at the Annapolis branch of NFCU. He asked for my credentials and advised me that he would speak with his supervisor. After the briefest pause he returned to the counter and resolved my concern with nothing further needed on my part. I appreciate being a member of NFCU more so after the prompt and courteous staff I have interacted with on my most recent visit. Thank you.

We had attempted to close on a cash-out refinance multiple times without success. After explaining…read moreour situation to the title company we've used in the past, they instantly and highly-recommended that we reach out to Matt Nader. From the initial conversation up to closing and beyond, Matt was extremely responsive, professional, up-front, and helpful. It felt like he had been a friend of mine for years. Long story short, he was able to accomplish what 2 larger well known lenders and 1 smaller lender were not able to do. We had all but written off our chances of closing on our refinance, but thanks to Matt, our impossibility became a reality. Without question, we will reach out to him once again for any question or issue regarding home mortgages. We will also gladly refer him with highest marks to everyone we know.

We contacted Matt about 30 days before closing on our new house. We were working with one lender,…read morebut was not getting the service and rates we were expecting. Matt was very responsive and competitive. The paperwork presented made sense and was exactly what we discussed. He tracks the market and encouraged us to lock when he thought rates would go up. And they went up a couple weeks before we closed. Matt personally showed up to the closing to ensure things went smoothly. I have already recommended him to my friends.

He contacted me after my inquiry very quickly however I never heard from him again. Which is very…read moresad as he took all my personal info, was very engaged and fell off the face of the earth. Even after 3-4 phone calls and email's to him directly its was crickets!! I even tried different modes of communication like cell phone, e-mail and office phone. So if he doesn't want to work with you its apparent, he just becomes a ghost. What a shame because he was very personable and seemed like he wanted to help but clearly he is just after the money!!!!!

Jason made an extremely potentially stressful time easy, seamless and fun. He is clear in what he…read moreneeds and reassuring if a potential issue arises. The lawyer at closing even paid him a compliment on how his paperwork was all in order, organized and easy to follow. I would and have highly recommended him and will absolutely use him to refinance or if we buy again!!

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.

Terrible experience in Severna Park with both purchasing a home and refinancing (which fell through…read moreat the last minute due to "too much volume" and no one bothered to call us). Agent does not return phone calls and they immediately sell your loan to another lender. Do not use!!!

NIGHTMARE. Stay far away, really. I should have known things would be bad when the first…read moreconsultant took over 2 months to return my calls. When I finally hounded him day and night, he called me back. From the hospital. Where his wife just gave birth. Bizarre. He referred me to someone else who was so slow to do anything, it drove me crazy. She seemed clueless as to the procedures needed to do an FHA refinance. She was horrible at returning my emails and phone calls. Never communicated when she received our paperwork, signed documents, etc. It was such a hassle to work with her. Fast forward to yesterday. She called to say we might close today. She was waiting on more paperwork and would call us back when they had everything and let me know. I never heard from her. So I assumed we weren't closing. However, I returned home at 4:45pm to a message on my machine from the title company woman, who was driving from Baltimore to my house in Germantown, to close at 4pm. But she was running late and was very apologetic. Excuse me? We're closing? Today? At 4pm? At my house? HELLO??? I kindly explained that we had no idea we were closing and she was floored, could not believe our broker hadn't relayed that information to us. Thankfully it all worked out in the end, but I will NEVER use Prosperity again. Nor will I recommend them. to anyone. They are horribly unprofessional, lack communication skills, and seem clueless when it comes to a standard refinance. Unacceptable.

Chris made our home buying process very comfortable. He was extremely patient and informative in…read moreexplaining the many facets to us as first time home buyers. He makes himself available for calls, questions, and meetings and is flexible for those with a busy and atypical schedule. We absolutely recommend Chris and are grateful for his help in purchasing our first home!

From the owner: First time home buyers.read more

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