FIRST MARINER MORTGAGE

We worked with Ryan Lowry at First Mariner.  His home office is in Bel AIr, MD but we met him downtown at their Canton office for 2 of the 3 meetings.  At first we worked with him to see the amount we would be qualified for but we weren't looking to be 'mortgage poor' so we worked backwards stating with or desired monthly mortgage payment and then calculated what price range we should be looking for.  Once we found our house, Ryan worked with us for several weeks to analyze the market and see if we could get a 'float down' on our rate.  This is a service they do once for free and can save a ton of money if the market changes.  He also helped us understand the differnt types of loans and what we would need at settlement and explained the other costs that go into the mortgage payment.  We really thought Ryan was very approachable and understanding about our finances.  He was very knowledgable and never got annoyed with our endless amount of questions.  I highly recommend sitting down with Ryan for a consultation before choosing a lender.  We would buy with him again without hesitation.

Buying a house is such a roller coaster ride! I think the trick is to surround yourself with the best professionals possible and then hope you've put your trust in the right people. Tom, Tracie and Danny all worked very h****** our (modest) account, always made time for questions, and were just great throughout the process. They were easy to trust and even months later, looking over the final product (our mortgage terms), I can see that they really worked hard to get us a great deal! I highly recommend the whole team!