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“I had a great experience going through the process with Scott, he was very helpful at the time to explain everything no matter what time it was or where he were, he was always answer emails, phone call, text messag, etc.
Thanks Scott, you are the best!
God Bless You.”
“Geoff Ricker was amazing!!! Highly recommend. He helped me purchase my 1st home. And did everything he could to help me out and succeeded. He made the process very easy.”
“Stuart and his team were awesome from the very first conversation,and helped me with every thing from the beginning to settlement! I would definitely recommend him to anyone that's looking for a loan.Thnx again?”
“I bought my first home 12 years ago and oh how the home buying process has changed since then!! I'm not sure I could've made it through the new, complicated process without Susan guiding me! She is friendly, knowledgeable and communicative. I would recommend her to anyone without hesitation.”
Open 24 hours
900 Bestgate Rd Suite# 310, Annapolis
Mortgage Lenders
“We had an amazing experience with First Home Mortgage for our home purchase. Not something you often hear about mortgage lenders. Matt Nader is professional and extremely helpful in navigating us through the process, while providing a highly competitive rate and terms. I developed a high degree of trust as he did everything he said he would, on time, and there were no surprises.”
“I recently had the privilege of working with Scott, a loan officer at First Home Mortgage, and I must say, the experience exceeded all my expectations. From start to finish, Scott and the entire team demonstrated unparalleled professionalism, efficiency, and commitment to ensuring a seamless mortgage process.Expertise and Knowledge (5/5): Scott's deep knowledge of the mortgage industry was immediately evident. He took the time to patiently explain every aspect of the mortgage process, ensuring I had a clear understanding of all the details. His expertise shone through in his ability to answer all my questions confidently and accurately.Communication (5/5): Effective communication is key when navigating the complex world of mortgages, and Scott excelled in this regard. He was always responsive, promptly returning calls and emails, and he kept me informed at every step of the process. His proactive updates gave me peace of mind, knowing that I was in capable hands.Customized Solutions (5/5): Scott didn't offer a one-size-fits-all approach; instead, he carefully assessed my financial situation and tailored a mortgage solution that perfectly matched my needs and goals. His attention to detail and commitment to finding the best possible terms saved me both time and money.Timeliness (5/5): The mortgage process can be notoriously time-consuming, but Scott and his team at [Mortgage Company Name] managed to expedite the process without compromising on quality. They met every deadline and ensured a swift and stress-free closing.Transparency (5/5): Transparency was a hallmark of my experience with Scott. He provided detailed estimates, explained all associated costs, and made sure I had a crystal-clear understanding of my mortgage terms. There were no hidden surprises or unexpected fees.Professionalism (5/5): Scott's professionalism and dedication to his clients were evident throughout our interactions. He demonstrated a high level of integrity, ensuring that my best interests were always the top priority.”
“⭐️⭐️⭐️⭐️⭐️ Review
Working with Scott Phillips at Embrace Home Loans was an absolute pleasure from start to finish. We had a mutual client who walked away from the closing table with over $2,300 in hand—a true testament to Scott’s expertise in structuring deals that work in the client’s best interest.
His communication was top-notch throughout the entire process. The video emails were a client favorite—clear, informative, and personalized, making complex information easy to digest. Scott’s deep love for Baltimore and his extensive knowledge of local grant programs and forgiveness loan opportunities truly set him apart. He didn’t just get the loan done—he helped our client maximize every dollar available.
As an agent, it’s rare to find a lender who makes my job easier and the client experience better at the same time. Scott was a joy to collaborate with, and I look forward to many more smooth transactions together.
– Dre Wright
Realtor® | MRP, ABR, SFR
Hyatt & Company”
“Outstanding team to handle your mortgage and or refinancing needs. I’ve used them twice before and they have my business going forward. I will most definitely refer them to anyone who is in need of their services. Thank you again Michelle for a job well done!”
“Neil's expertise and knowledge shine through at all stages of the loan process. His ability to build a team, teach, and use technology to their advantage inspires me to replicate it in my industry/career. The Main Street Home Team is responsive, attentive, and I would HIGHLY RECOMMEND the next time you need to get approved or just want to learn about the industry. Thank YOU!.”
“Shawn Douglas is always a pleasure to work with. His knowledge sits above most and whenever there is a hiccup, he knows the way to get the deal back on track ??”
“I can proudly call myself a homeowner. Something I would not have believed possible a little over a year ago. It wasn’t until my partner and I closed on our home this past March that I realized I am one. How does one go about achieving this longed for goal? Well, it begins with having the right people in your corner. I thank God each and every day I wake up in my house for blessing us with Brian Masterson. I kid you not when I say, He is a professional who truly cares! Brian was referred to us by my partner’s sister who also works in the financial industry. We needed someone who not only had years of experience as a loan officer but someone who was willing to go the extra mile in finding us the best type of home loans we could qualify for and within the budget we could afford. Fortunately, we got that and more. Brian listened, truly listened to our story. From California to North Carolina, my partner and I made a leap of faith. We were blessed to have Family who were willing to give us and our children a place to stay so we could save up money. As first time homebuyers, we knew very little of what to expect or where to begin in achieving our goal of owning a house. Brian became our guide. Before we began talking numbers or even finding a real estate agent, he advised us on what we needed to do became attractive buyers like putting a game plan together for getting our credit up, how much we needed to save, what to do about showing lenders we are reliable and dependable. Brian made sure we understood the process of home buying. He educated and advised us along the way. He saw us through a seller’s market. Despite being based in Maryland, Brian made sure to cater to the requirements here in North Carolina. Every single “i” was dotted and every “t” was crossed when it came to qualifying us for a loan. We trusted him in recommending a real estate agent in Hight Point, NC who turned out to be a blessing, also. The most important part is Brian cared about how this journey affected us as people. He stood by us through ups and downs. He was a solid rock when we experienced setbacks. He always went above and beyond what was needed specially when it came to saving us money. Brian helped us help ourselves in achieving our goal. I am a first time homeowner. And, I owe a lot of it to him. When it comes to finding yourself a lender that truly understands the industry and is willing to work with your situation, look no further! Give Brian Masterson a call, a text or an email. It doesn’t matter just get in touch with him. You will not regret it.”
“Charles was awesome. Not only was he professional but everyone knows the process itself can seem daunting but he was able to manage expectations and emotions and get us to the goal line with the least amount of stress. Thank you again”
“Tony Akin was our loan officer. He is amazing at what he does! He was so supportive every step of the way and always available for a call to explain or clarify anything that was unclear. He made our home buying process seamless and stress free. He is truly the best and deserves all the praise and recognition!”
“John Russel and his team were AWESOME during the process of my parents purchasing a home for their first time. My dad had a very low credit score and he helped us and guided us through the steps of building that credit up to be able to get approval. I can’t thank you all enough, specially Tiffany❤️. 100% recommend and you will be extremely happy with them !”
“Ernie and his team were amazing to work with during our home buying process! Not only we're my fiancé and I buying a new home, we were selling one at the same time so it got a little crazy at times. Ernie and his team handled everything with such professionalism and punctuality! This is my second time using UMAF and should there be another time, Ernie will be the guy I call on. Nothing but kudos!!”
“Paul Terruso & Kendra Shultes were very professional & proficient. From the beginning of the process they enabled a smooth & seamless refinance. I was able to pay off debt, pull out cash, and acquire a good interest rate. The entire process surprisingly only took about a month. I would definitely recommend Financial Freedom Mortgage to others.”
“Excellent communication and timeliness. My home search spanned multiple years and Mike was there every step of the way answering any and all questions. The process was very smooth and there were no surprises. Thank you again Mike!”
“I've always had a good experience with NFCU customer service at this location. It's nice to be able to make an appointment in the app for specific services.”
“Great service and professionalism.
The staff were great and helpful.
Money was approved the same day.
Great Lending Company! Highly recommend!”
“We could not have done it without Mike Taylor and DayleAnn Koch. They worked so hard to make everything work for us and we are so grateful to them❤️ Thank you!!!!!”
“Never left this during closing which I should have. Team of LEGENDS right here. I was in a multiple offer situation where the sellers agent urged them to my offer because I was working with this team. They closed my loan in 24 days during record breaking traffic in May of 2021. This is obviously best case scenario with alot of timely responses from myself but I couldn't have asked for it to go better. I have used them 3 times and all have been as flawless as a mortgage can go.”
“First visit and already highly impressed with the customer service I was provided. We were seen within 5 minutes and accomplished our tasks easily with the help of a kind banker.”
“I went to the outside machine, but it is where I started. The staff is very awesome kind and knowledgeable. Anything you want just ask. They will tell you “we don’t do that or are you referring to?” So far top 3 banks and number one credit Union.”
“Small and convenient for those who live, work on post. I live nearby and always use the drive up ATM which helps me avoid having to go inside. When I do go in the reps are always very nice and helpful. Keep in mind the hours are limited but there is another NFCU nearby in Odenton (same shopping area as WEIS, Chesapeake Dental, Transformations gym).”
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“I just want to thank the staff here. Cynthia and the girl who works the front desk. They both exhibited great customer service were very welcoming on entering the bank. I can closer to closing time and did not feel rushed. Cynthia was very knowledgeable and helpful. I was stressing about my cc and she calmed me down while also solving my issue. Thank you!”