Residential Mortgage Solutions – Home Equity, Finance, Re-Finance, Purchases, Real Estate Loans, Mortgages, FHA, VA, Conventional, Jumbo, Homes, Land, Construction, Mortgage Bank, Mortgage Broker, Equity Line of Credit, Serving Washington, Baltimore, Maryland, Delaware, Northern Virginia, MD, DC, VA, DE

Making Your Dreams Come True

Whether you live in Maryland, Virginia or Delaware, Residential Mortgage Solutions is here to serve you. Headquartered in Baltimore, we are a mortgage company specializing in the origination of both non-conforming and conforming home mortgage loans.

At Residential Mortgage Solutions, we pride ourselves on our experienced sales staff and our commitment to providing exceptional customer service in an efficient, effective and professional manner.

At Residential Mortgage Solutions, we offer just that, solutions. We have a wide variety of programs for almost every situation, including:

Jumbo Loan
Conforming Loan
Purchase a New Home
No Income Verification

Cash Out Refinance
Home Improvements
Debt Consolidation/Tax Smart

About Us

Residential Mortgage Solutions is both a licensed mortgage lender and broker in Maryland, Delaware, and Virginia. We specialize in originating first and second conforming and
non-conforming mortgage loans.

Here at Residential Mortgage Solutions, we pride ourselves in training an already experienced sales staff and are committed to providing the best personalized professional service to all of our clients, regardless of credit history. It is a requirement that all of our mortgage consultants become fully licensed and certified by the state of Maryland. Every mortgage consultant that is part of our team is well versed on both federal and state laws regarding mortgage lending and sound business ethics as it relates to the mortgage loan process.

The owners of the company have more than 30 years of combined lending experience in the mortgage industry. It is our company policy that at least one member of our senior management team speak to every customer prior to the closing of their loan, to ensure we have met their expectations and that the mortgage loan process has been a positive experience.

Technology has, and will continue to be our focus and priority in an effort to maximize efficiency. We realize that providing quality customer service at a competitive cost can only be achieved through the utilization of the latest technology in the marketplace. Having the ability to interface with Fannie Mae and Freddie Mac for instant loan decisions allows us to close the average mortgage loan in less than 10 business days.

Some companies can talk about customer service but here at Residential Mortgage Solutions we deliver it, loan after loan!

Our Philosophy

We manage our business based on three important customer service driven concepts:

1) “Our reputation is everything”…Every customer that we service will play an important role in our future success. We must treat every customer with the same respect in which we would want to be treated. The amount of customer referral business we receive is the measuring stick to the service we are providing. Adopting the latest technology and having a multitude of products and programs will enable us to say “yes” to more borrowers, after all that’s why we are in business.

2) “Teamwork”…. “More we and less us. . . More us and less them.” These are two principles that we live by at Residential Mortgage Solutions. Everyone is responsible for ensuring superior customer service, regardless of what mortgage consultant our clients are working with. Exhibiting a positive attitude everyday means everything!

3) “No surprises at settlement”…. Most every loan that is closed at Residential Mortgage Solutions is preceded by a “house call” by one of our experienced mortgage consultants. At the appointment, several options are proposed and recommendations are made based on what is most important to you, the customer. Residential Mortgage Solutions insists on putting all proposals in writing so that communication is clear and that a trust is built between our customers and our company. Our sales staff has been trained to keep all clients informed throughout the loan process.

At Residential Mortgage Solutions, we realize that closing a mortgage loan is a major financial decision. Clear communication eliminates confusion and eases concerns about qualifying for a loan. All of our clients are kept informed of any unexpected changes in the proposed loan when it happens so that there are “no surprises at settlement.”

Our Programs

Residential Mortgage Solutions specializes in both non-conforming and conforming loans. We will service clients with perfect credit and those who have credit problems. Don’t think that because you have poor credit you cannot qualify for a loan! In many cases, this is simply not true. We deal with numerous investors who have a variety of programs to fit almost every borrower, regardless of credit history.

Jumbo Loan

A loan amount that exceeds $322,700 is considered a Jumbo Loan. Residential Mortgage Solutions has some of the best fixed and adjustable jumbo loan rates available. In addition, we have special loan programs for loans over $1,000,000 at extremely competitive interest rates. Let Residential Mortgage Solutions help you decide what loan program is right for you!

Conforming Loan

Loans that qualify for a Fannie Mae or Freddie Mac approval and are below the $322,700 loan threshold are considered “conforming loans.” When deciding on a loan program and rate/point combination, much of your decision should be based on how long you plan on remaining in your home and the affordability of the payment. Let Residential Mortgage Solutions analyze your current financial situation and recommend options that will be of most benefit to you and your family. After all, for most people, your home is your greatest asset.

Purchase a New Home

If you have found the home of your dreams and need the right loan, look no further! Residential Mortgage Solutions offers a large variety of home loan options on primary residences, investment properties and vacation homes.

No Income Verification

We offer various programs to our clients who do not wish to provide employment or asset information as part of the loan process. Many self-employed or commission only clients take advantage of this service. We have even written loans for unemployed borrowers who meet the appropriate guidelines! If you fall into any of these categories and are searching for a loan, contact us today.

Cash Out Refinance

This is one of our most popular loan programs. Whether you need cash to pay off non-deductible interest loans, such as credit cards and car loans, or if you need money for college tuition or any other worthwhile reason, we can help! Let one of our mortgage consultants show you how much cash you qualify for and the best loan program(s) for your financial situation.

Home Improvements

Do you have home repairs that are a necessity or would you like to do some “cosmetic” work to increase the value of your home (fresh paint, new carpet, new kitchen, deck, etc.)? Don’t charge up those credit cards; contact us and apply for a Home Improvement loan.

Debt Consolidation/Tax Smart

Are you overwhelmed by monthly bills? Are you “robbing Peter to pay Paul” or kidding yourself by transferring balances from credit card to credit card to take advantage of those low introductory rates? If so, this is the right loan program for you. It will enable you to consolidate your many monthly payments into just one, thereby improving your overall monthly cash flow considerably. It is much easier to manage just one monthly payment with ONE interest rate (that may be tax deductible – consult your tax advisor), as opposed to several different payments and the many high interest charges that are NOT tax deductible.