This was the first time I've ever refinanced a mortgage and I couldn't be happier with the…read moreresults!! Terence was the ultimate professional and kept me well informed throughout the process. He made sure all my questions/concerns were answered in a timely fashion and I felt totally reassured I was making the right choice. Not only did I end up saving money on my monthly payment by getting a lower rate with a lower term loan, but he guided me through finding a huge savings on my home owners insurance as well. Terence and his team were also able to save me on my out of pocket closing costs versus the competition!! I could tell Terence was invested in getting me the best deal and 100% recommend him to anyone looking to refinance or for a new mortgage!

From the owner: At Imperium Mortgage LLC, we believe home financing should be simple, stress-free, and tailored to…read moreyou. Whether you are buying your first home, refinancing, or investing, we are here to guide you every step of the way with expert advice and personalized solutions. We provide monthly home reports with insights on interest rates, home values, and refinancing opportunities, so you always stay ahead of the market. Our instant prequalification tool makes it easy to see how much you qualify for and generate a certificate in minutes, streamlining the process so you can focus on finding the right home. Unlike big banks, we offer friendly, one-on-one support with mortgage experts who take the time to understand your goals and the local market. Plus, you can check our competitive rates anytime to ensure you are making the best financial decisions for your future. At Imperium Mortgage, we are more than just a lender—we are your long-term partner in homeownership, dedicated to making your journey as smooth and rewarding as possible. Whether you are planning for the future or ready to take the next step today, we are here to help.

Too bad we can't put no stars. When looking for a financial planner or any other professional, do…read moreyour research, read the reviews, check professional licenses, etc. I listened to a brief webinar most likely I saw on a sponsored Facebook site (really don't remember where) and Harbour Pointe offered a free 15 minute phone consultation which I scheduled. 11/19/21: This was the most bizarre conversation I've ever had with a professional. Karen (had to ask her over 8 to 10 times what her name was at the end of the car when she refused to give it to me and finally said "Karen"). That, in and of itself, is very, very strange. I said, "are you refusing to give me your name" and she said "I have another call and I have to go". I persisted and she finally blurted Karen. I'll have to assume that this Karen is Karen Scott Mims, and I assume this because she would not confirm her full name and she is the only Karen appearing on Harbour Pointe website. I wanted her name for my notes and because I planned to write a review after this peculiar call. Bottom line, she listened to my query which was pretty specific on how do you figure your required minimum distributions from your plan and after me telling her my assets she said essentially, they would not be a good fit for me. She never even answered that basic question or any other question. Took prodding to get an answer why they were not a good fit for me and I never fully did. Folks, I suspect I'm not a good fit because I don't have the kind of wealth she was looking for..but she was the one who offered a consultation (which should include answering a few basic questions which she never did). She should not waste her time and mine or others by saying up front "free 15 minute consultation only if have $[insert dollar amount here as she fits]." She was beyond rude. So then I looked her up after the call and saw some other reviews. Oh yeah Michael R. (reviewer), I can surely picture your full experience with her. I'm surprised you even stayed for the remainder of your seminar. So apparently, she was rude to someone who attended her seminar who apparently had wealth. If a licensed professional will not give you their name at the end of the phone call (because you didn't catch it at the beginning of the call) that is a huge RED FLAG in my opinion. I've worked for law firms all my adult life (and her website says she is an attorney) which just further bolstered the shock of that phone call. I hope this review helps someone. Kelly H

I recently went to a seminar at a restaurant given by Karen Scott-Mims. The seminar was good, but…read moreI felt treated DISRESPECTFULLY by Ms. S-M. When I signed in I was asked to fill out a form with personal information. I did not put my cellphone number on the form because I only use it for emergencies. Ms. S-M DEMANDED my cellphone number. I told her I do not give it out and use the phone only for emergencies. She replied in an irritated tone "THIS IS AN EMERGENCY." I still refused to give it to her. After the above interaction Ms. S-M told me to stand behind a table, as if I were a misbehaving child in school many years ago when the teacher sent bad children to sit in the corner. I'm surprised Ms. S-M did not demand I put a dunce hat on like teachers used to do then. In reality, I am a Ph.d. level mechanical engineer, and a wealthy one too. I had to wait for several minutes behind a table while an associate of Ms. S-M supposedly looked for a seat for me. I was surprised when I entered the dining room to see that there were MANY empty seats. I felt as if Ms. S-M had "punished" me for not giving her what she wanted. Although Ms. S-M's presentation was good she did NOT allow for questions after the presentation as EVERY other presentation I've been to did (and I've been to many). She also did NOT have a handout of the presentation for attendees as most presentations do. Her presentation was LONG. I was hungry. Attendees were forced to wait until her presentation was over to start eating, which was close to 7:30 pm. Most other presentations at restaurants allow participants to start dinner during the presentation. I got the feeling that Ms. S-M likes to control people. At one point during her presentation she asked a question and nobody answered. She then said "Are you sleeping?" Well, I don't know if people were sleeping but I'm sure many were hungry and did not answer because they were hoping she'd finally finish and let us EAT. A very nice couple sat down next to me at my table. During dinner I was having a very enjoyable conversation with them. Suddenly Ms. S-M came next to me and said "I WANT YOU TO MOVE TO ANOTHER TABLE." I was SHOCKED. I asked her why. She replied "BECAUSE THIS IS MY SEMINAR." I replied I don't want to move. She then said "YOU CAN MOVE, OR YOU CAN LEAVE." I have NEVER been so disrespectfully treated in my life! I ended up moving to another table. I actually had to rush finishing my dinner because due to Ms. S-M talking so long there was not a lot of time to have a leisurely dinner before we were forced out. In fact there was no time to eat dessert. I would NEVER work with Ms. S-M or recommend anyone else do so. A person who doesn't know how to treat people with respect, and she certainly doesn't, is NOT someone to work with. I don't care what she knows about wealth management. I am what Ms. S-M referred to as a "high wealth" individual. Too bad for her that she mistreated me. I will take my wealth elsewhere and tell anyone I know who may be looking for someone to manage their wealth to do the same!

Carlyn Lowery has been my go to real estate agent for 11 years now. Originally she was recommended…read moreto me by my Independent Financial Advisor. I am a residential and investment property owner. Recently Carlyn led the sale of my ancient Baltimore investment property as a 1031 exchange. The sale went quickly and smoothly. During the process I was in Asia. Carlyn successfully kept me up to date with the process and made negotiation recommendations that saved me money. Once we closed on the sale I had 45 days to locate a new investment property and 120 days to close on the new place. There are a lot of financial factors to consider in a 1031 and the people Carlyn suggested I contact for assistance were efficient, competent and friendly. I used a lender, title company, appraiser, and 1031 lawyer that she recommended. We located a townhouse to purchase in Anne Arundel County and closed on the property in 43 days. During the process Carlyn advice saved me money on the purchase price, & closing costs. She also was a great agent for "me", the seller agreed to do many upgrades to the new property that saved me time and money. All through these procedures Carlyn was encouraging and creative. We certainly had a few tiny obstacles to overcome; each obstacle was overcome. Even with 30 years experience buying and selling real estate I still listen to the pros, every one of her suggestions was a positive force. She is a pro!

She is greedy Scum. Be very careful before signing any contract with the this woman. She is not…read moreout to help anyone but herself. I trusted her and then, when she had terrible results, and I requested out of the contract, that is when I found out just how shady she was. She refused, tried to extort money to be paid to be out of it. Her terms are very slimy and sneaky and after having the Board of Realtors look into, found she is borderline of being illegal. There are very good and honorable realtors out there, she is not one of them.

I had a great consultation with Kristina. She comes off as smart, friendly and generous with her…read moretime. very on top of her game. She's hired!

She can be very good but when you need her in an emergency situation to help you with something…read moreeven a transcript she never returns your call !never responsible to a client even if you are working with her for years .