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 have recently purchased my new apartment and MVB Mortgage was the one helped me to get the load…read more They worked with me almost 24/7 to secure my loan and meet the tight deadline I had (I had only 21 days to close the deal). When my bank heard the rate MVB gave to me, it disappeared and couldn't match it, so I knew that they gave me the best deal . I can get in the market. They were very responsive, fast to reply, and detailed in their work. They helped me, as a first-time buyer, get the loan with a very good rate and finished the process within the tight deadline I had. . I really recommend them. I am pleased to work with them

I just closed on my condo with them last week and are very happy with their service. Attentive to…read moredetail and very willing to walk through every single detail and/or question you have. I was a first time homebuyer and felt confident with the process with John and his team, Victoria and Josh, guiding me thorugh the process. The only downside is that while shopping for mortgages, I had stated I wanted a mortgage with no escrow (I'd rather manage my money myself and keep the money from the interest myself). John said that was possible, but only for a fee (a percent of the loan). Unfortunately it seems that escrows are built into the underwriting itself, so not much we could really do to get around the fee. Just know that if you don't want to escrow. Otherwise I am very pleased with their services.

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.

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 recommend going to Embrace for any type of residential loan that you are after. They were the…read morebest deal in town for me, extremely helpful, explained everything clearly, easy to communicate with, flexible when it came to title companies, and were genuinely nice. If I'm going to invest or buy a primary residence, I'll certainly use them again.

I have worked with Deb Tatum several times. She is very knowledgeable, detailed oriented and…read morepatient. She explains everything to you and makes sure that all your paperwork is turned in on time, is complete and accurate. The loan process can be very overwhelming and scary. She walks you through every step and contacts you if something is not right or incomplete. She is always available to answer all your questions and is always very friendly and professional. I recommend her for all your loan needs.

A bunch of my co-workers told me I HAD to call Marshall Feldman to get a VA home loan. We worked…read morewith Marshall and Rebecca and we couldn't have asked for a better loan team! They were so communicative during the whole process and they were always friendly and happy to answer our silly first-time home buyer questions. Marshall was great about showing us different loan scenarios during each stage of the process and helping us pick the right one. Would recommend 110%

Bought my 6th house using First Home Mortgage Rick Kublank team at the URGE of my real estate…read moreagent. I was not impressed from the get go so I reached out to a VA specialist in another state. When we put an offer on our house and it was accepted, my agent sent all paperwork to Rick and his team. I regret that decision every day. The service through the teams lack of communication, organization, and VA skills made it a very painful process. They did not communicate well so I had to send the same documents to different ppl on the same team. I got ao frustrated, i ended up putting them all on email copy to tell them it is their job to share docs and to communication. They dragged their feet scheduling a VA appraisal- if you use VA you understand the relevance of a timing VA scheduling. They had me emailing around documents instead of using the portal. And in the end, they didn't account for our homeowners insurance in their closing numbers. I thought it was paid until I got a letter of cancellation. We had to pay out od pocket. Truly one of the most stressful closings Ive ever had because of their lack of professionalism during what is already a stressful time. There are much better companies.

Great service and wonderful experience. I felt I got a wonderfully low rate and fees were…read moreexceptionally low. Additionally Doug Janvrin and his team were on top of every aspect of our loan and nothing fell through the cracks. True professionals that really gave me the impression that our house was their top priority.