KV Mortgage

Mortgage Companies, Banking/Credit Unions

About us

KV Mortgage is an Angie's List 10 time Super Service Award Winning local mortgage broker. We've established our reputation by providing excellent service along with low rates and fees. We work with many lenders and look for the best fit for each borrower. We have a wide range of products; conventional, FHA, VA, USDA, HELOCs, and reverse mortgages. Check out our discounts provided for Angie's List members or check out our website for more information. We look forward to serving you!

Business highlights

18 years of trusted experience

Services we offer

Mortgage. Residential Financing. Purchase Loans, Refinance Loans, Home Equity Loans.

Services we don't offer

Commercial Loans

Amenities

Free Estimates
Yes


Accepted payment methods

Check
MasterCard
Visa

Photos of past projects

Reviews

5.0212 Reviews
Number of StarsImage of DistributionNumber of Ratings
5
97%
4
1%
3
0%
2
0%
1
1%


Rating CategoryRating out of 5
quality
5.0
value
4.9
professionalism
5.0
responsiveness
5.0
punctuality
5.0
Showing 151-175 of 212 reviews

Heidi B.
02/2013
5.0
mortgage broker
  + -1 more
Alex was very responsive and helpful in helping me refinance my home loan.
Description of Work: Refinance
Rating CategoryRating out of 5
Yes, I recommend this pro

Ulvi C.
02/2013
5.0
mortgage broker
  + -1 more
Alex is very responsive and I recommend Eagle Creek Mortgage to anyone who is in the market for mortgage.
Description of Work: I contacted Alex to re-finance my rental condo, after reading positive reviews here. Alex was very responsive in answering my questions, he was available during working and off hours. I called several other mortgage companies, some of them had very high closing cost, and some didn't even re-finance rental properties. Alex's costs are very reasonable (compared to rest of the market) and he was able to get HARP loan for my property (which I didn't even have to pay for appraisal).

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$2,800

WILLIAM S.
02/2013
5.0
mortgage broker
  + -1 more
For as stressful as refinancing can be, Alex Echeandia at Eagle Creek Mortgage makes it a cakewalk. We did everything by email and phone, and the closing company came to the house at the time I requested. Closing costs were a low as possible which was a big plus. If you need to refinance and are looking for your guy, stop looking now and call Alex. I could not be happier.
Description of Work: Refinance of Primary Residential Condominium,

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$3,000

Kevin D.
01/2013
5.0
mortgage broker
  + -1 more
Great. The company was professional and responsive. I would highly recommend this company.
Description of Work: This company helped in a mortgage refinance.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$2,800

Robert B.
01/2013
5.0
mortgage broker
  + -1 more
Alex was prompt and professional. Our refi took about 6 weeks from me submitting initial paperwork to close, which I believe is pretty fast. My biggest concern (and the reason we'd dropped a previous broker) was having my questions answered in a reasonably timely manner. I believe it's reasonable to expect a phone call or email within the same day, and Alex was always good about doing that. I would highly recommend, we even got some cash back at signing!
Description of Work: Mortgage refinance.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Deborah B.
01/2013
5.0
mortgage broker
  + -1 more
Be very specific as to which type of refinance you want as it does affect the interest rate. Note they only do refinancing on properties where the owner maintains at least 20% equity. This company does only the refinance process and they sell the actual loan to other companies such as Quicken Loans.
Description of Work: I received a no cost refinance from this company. Everything went as promised. Very pleased.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Mark D.
12/2012
5.0
mortgage broker
  + -1 more
Alex did a fantastic job. He did all the leg-work (aside from our collection of our application documents) and kept us updated on the process throughout. He was immediately responsive by email or phone whenever we had questions. The closing was easy and quick, and in the end, we will be saving thousands of dollars. He also disclosed his own pay (which is neither required nor common) which we thought was very open. Thanks for the help!
Description of Work: We refinanced from a 15-year mortgage to a 10-year mortgage at a lower interest rate (cutting some years while retaining approximately the same payment). The closing was scheduled around our work schedules and in our home.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$2,500

Response from KV Mortgage
Hello, thank you!! I hope all is well with you.

Jonathan B.
12/2012
5.0
mortgage broker
  + -1 more
Alex was very accomodating with our questions, even when we decided to switch from one mortgage product, for which he did the paperwork, to another product, which ended up being a better fit for our current financial situation. He secured us a great loan at a great price, and the processing of the loan was quick and painless.
Description of Work: Alex did an excellent job helping us refinance our mortgage. He locked us into a great rate, and was very responsive to, and patient with, our (many!) questions. No doubt we would go back to him for future refinancing!

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$2,000

Response from KV Mortgage
Hello, thank you!! I really appreciate it!!

Alexander G.
11/2012
5.0
mortgage broker
  + -1 more
Overall the process went well and it went well because of Alex. Currently there is a bunch of sillyness doing a refinance because of new laws and the backup due to low rates. Normally I would be frustrated with the situation but Alex was extremely helpful in explaining the process and all the steps we would need to go through. If you want someone who will help you through the process and be very responsive to all your many questions, Alex is your man. I will 100% be using him for my next refinance.
Description of Work: Alex helped us refinance our mortgage for our primary residence.

Rating CategoryRating out of 5
quality
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$10,000

Response from KV Mortgage
Hi, thanks!! I hope all is well with the growing family!!

Paul D.
11/2012
5.0
mortgage broker
  + -1 more
Alex was prompt in returning my initial email, and would very quickly reply to any other emails I sent. He initially gave me a good estimate right away. He gave me a good rate up front with just some basic information. After filling out the credit report and loan application, Alex worked with me on the rate because I wanted to pay less cash at closing. He will work with you on what you want do to. My rate increased a bit, but the amount I saved at closing would take me years to aquire with the lower rate. This is what I wanted to do. Alex was a relaxed guy, which may be mistaken as being aloof or too busy, but he is a very diligent worker and was very sincere, considerate, and honest. I thought he moved the ball along very quickly, and I always felt comfortable with asking him questions. He never rushed through any answers, he took the time to make sure I understood. He was not a pushy salesperson. He explained to me how loan officers make their money, and answered questions that I had immediately after closing. He was more than willing to answer any questions.
Description of Work: FHA streamline refinance 30 yr fixed rate.

Rating CategoryRating out of 5
quality
4.0
value
5.0
professionalism
4.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$2,000

Response from KV Mortgage
Hello, thank you!! I hope all is well with you.

Jaime M.
11/2012
5.0
mortgage broker
  + -1 more
Wow, we did not expect our loan to take so long (almost 60 days) to close but with so many taking advantage of record low rates that's the nature of the business now? Again, with record low rates, everyone seems to be refinancing or buying. Actually, My wife and I almost totally dropped out of the negotiations, but Alex kept us informed at all times. He returned calls promptly, he calmly explained the process, status, and procedures. Now, we are not rookies and have refinanced before, but I am glad we went through the whole process with Alex and Eagle Creek. We would definitly recommend him and Eagle Creek to our friends.
Description of Work: Refinancing of our home with a 15 year fix rate.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$7,000

Response from KV Mortgage
Thanks!! I hope you are well!!

Mark M.
11/2012
5.0
mortgage broker
  + -1 more
The rates were great and Alex even covered the cost of a re-lock when the loan company dragged their feet and went beyond our 60 day lock. I would certainly do business with him again.
Description of Work: Alex helped us navigate our way through two refinances simultaneously (primary and investment properties).

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from KV Mortgage
Thank you!! I hope all is well!!

Carlos J.
11/2012
2.0
mortgage broker
  + -1 more
As I stated I didn't expect this and in my opinion, with the degree of interest this gentleman displayed, It totally contradicted everything I had read or I would have never called. But a a retired soldier, and dealing with customer service for 18 years as well. I don't believe I would deal with someone of this caliber considering the amount of money involved. In all honesty.....
Description of Work: called spoke with Alex Echeandia explained to him wanted to refinance my home explained to him I wanted to do a 15 year refi. I had seen all his impeccable reviews and did not expect what happened. I was not underwater on my current loan, and had excellent credit. Well he didn't seem to interested I guess he must have been ready to go for the day, he told me to get some paperwork and call him back. Never took my name or number. It appears he has to much money to be concerned with someone who didn't have all there paperwork on the initial call.

Rating CategoryRating out of 5
quality
2.0
professionalism
2.0
responsiveness
2.0


Jasmine D.
11/2012
5.0
mortgage broker
  + -1 more
Spoke with Alex Echeandia. He very politely told me that his company wasn't able to help me, but when we got off the phone he took the initiative to do some research on my behalf and called me back a couple hours later to ask if I wanted him to pass my information on to someone else he knew who would be able to help me. Double points for going above and beyond and also for asking before me gave out my contact info!
Description of Work: Called to inquire about a construction loan.

Rating CategoryRating out of 5
professionalism
5.0
responsiveness
5.0

Yes, I recommend this pro

Response from KV Mortgage
Hello, thank you!! I really appreciate it.

Mannan D.
11/2012
5.0
mortgage broker
  + -1 more
The process was easy, though not simple, but was painless due to the diligence of Alex.
Description of Work: We have used Alex two times already for our mortgage services and needs and we will seek him out again should we ever need any help from him. Alex is a true professional but also bends over backward to make feel like you are on his only client. Where the bank will make things difficult, he will do the extra work to make sure that the client does not have to deal with the hassles. He is thorough from the point you reach out to him for the first time until the closing of the loan. He is extremely responsive, is available weeknights, weekends and during weekdays. He also helps you save money when possible by helping you find other services such as home insurance companies, etc. It is a true pleasure to use Alex and his professional services for all of our needs.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$500,000

Response from KV Mortgage
Thank you! I hope all is well with you!

Chung L.
11/2012
5.0
mortgage broker
  + -1 more
Throughout the lending process, Alex has been professional, patient, and constantly kept us in contact. Because Alex and Eagle Creek Mortgage are the loan originators, there were no hassles for us to communicate and deal with the mortgage companies. Since this is our first time refinancing our homes, Alex made sure the process is a positive experience for us. He's always available to answer our questions. Most importantly Alex was able to get us competitive mortgage rates for both of our homes. He was able to save us money. My wife and I only had to bring $800+ for closing. We are still amazed by this. We would use Alex and Eagle Creek Mortgage again for our future refinancing needs. We are totally comfortable in referring him to our friends and colleagues. Keep up the great work, Alex!
Description of Work: My wife and I wanted to take advantage of the low mortgage rates, but we didn't know who to turn to for lending. My wife came across Eagle Creek Mortgage through Angie's List. We made contact with Alex and explained to him that we would like to refinance our primary home as well as our investment property.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$800

Response from KV Mortgage
Hi, thank you!! I really appreciate it.

Mary K.
10/2012
5.0
mortgage broker
  + -1 more
We highly recommend Alex and Eagle Creek Mortgage. His professionalism and availability to answer all questions throughout the entire process makes him stand out from other mortgage officers/brokers that we have dealt with in the past.
Description of Work: Alex Echeandia was extremely helpful and thoroughly walked us through the process of refinancing our mortgage. Although most of the communications and paperwork could have been done over the phone and email, Alex still welcomed our request to personally meet with him at his office for preliminary discussions and provided us with an extremely competitive rate; detailing all estimated upfront settlement costs. Throughout the process of getting all documents prepared, Alex always timely answered all of my questions. We always performed a meticulous line-by-line comparison of all documents, and any discrepancy that we perceived was forwarded to Alex, who always answered them promptly and clearly, even if the discrepancy was a misinterpretation on our part. Finally, Alex continued to be available on standby during closing, had we any questions that the settlement company might not have been able to answer.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$6,000

Response from KV Mortgage
Hi, thank you!! I hope all is well with you!

Lee B.
10/2012
5.0
mortgage broker
  + -1 more
I started the process to refinance my home with the company that held the mortgage in June, but was dissatisfied with the rate offered. They were not responsive to my questions and concerns, so I started looking for another company. I contacted Eagle Creek and spoke with Alex. He was informative and accommodating from the first phone call. He must work around the clock because he often responded to emails late into the evening. Alex took basic information over the phone and let me know of my qualification status immediately. I received a packet requesting needed materials within a week and the process started. I was very impressed with Alex's constant communication. The process completed without any concerns and I feel so fortunate to have done business with this impeccable company, and more importantly, with Alex.
Description of Work: Alex assisted in the refinancing of my home. The process ran smoothly from start to finish. He kept me informed every step of the way and responded to calls and emails immediately. I have bought 2 homes and refinanced my current home 4 times, and this experience was the easiest by far.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$4,000

Response from KV Mortgage
Hi, thank you!! I really appreciate it!

KUKULA G.
10/2012
5.0
mortgage broker
  + -1 more
The process went fine, with the exception of a few delays that were unavoidable. Alex arranged for the closer to come to our house where we signed our documents and the whole thing was done in a little over an hour.
Description of Work: Alex Echeandia of Eagle Creek Mortgage assisted us with our refi, and was very helpful. The process itself took a long time because of a backlog of refi cases but that was not Alex's fault. We had wanted to use a local company for this service and was glad we did. When I was sick and unable to get documents to Alex in a timely way, he even stopped by my house and picked them up. I would recommend using him and Eagle Creek Mortgage for your refinancing needs.

Rating CategoryRating out of 5
quality
5.0
value
4.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from KV Mortgage
Hello, thank you!! I hope all is well with the family!

K W.
10/2012
5.0
mortgage broker
  + -1 more
Our experience was fantastic from the loan perspective. Alex Echeandia helped us a couple of years ago at a previous stop, now he's at Eagle Creek--my endorsement is for Alex. He works harder than just about anyone I can imagine (I get exhausted just remembering). He stays on top of the entire loan process, even keeping the realtors in line when they need it. Knows his stuff, is always in touch and will work thoroughly and tirelessly on your behalf regardless of where he hangs his shingle. I would not hesitate to use his services again. Nice to encounter a real professional in any field for a change.
Description of Work: Mortgage services on purchase of new home.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$1

Response from KV Mortgage
Hi, thank you!! I hope all is well with you!

mary M.
10/2012
5.0
mortgage broker
  + -1 more
Alex was referred to us by a mutual friend. We were put in touch with him at the end of July and setteled in later August.
Description of Work: My husband and I used Eagle Creek Mortgage to refinance our home. Specifically, we worked with broker Alex Echeandia. Alex was amazing. He got us a ridiculously low rate and the whole process was done in a timely and painless manner. I would definitely recommend Alex for all mortgage needs.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$400

Stephanie M.
10/2012
5.0
mortgage broker
  + -1 more
Alex is a very nice person who has great communication skills. He kept us informed throughout the entire process and answered all of our questions in a timely manner. He is quick to respond to phone calls and emails. Alex must work around the clock because he answers his phone quite late. I would definitely recommend him to family and friends. He made this a relatively seamless process and was able to get us a great interest rate. Thank you Alex for all of your help.
Description of Work: I worked with Alex on refinancing my first mortgage under the HARP program.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from KV Mortgage
Hi, thank you!! I appreciate it!

Jennifer W.
09/2012
5.0
mortgage broker
  + -1 more
Alex was great to work with! He walked us through our options, and answered any questions we had in an extremely timely fashion. Alex was patient with us when we changed our mind from a 15 year refinance to a 30 year refinance; it required extra work on his part, but he was happy to make it work for us. And when our home didn't appraise for quite as much as we thought/hoped, Alex was still able to work with lenders to find a refinance solution that met our needs. The overall process from start to finish was a bit lengthy (a bit over 2 months)--but that was not due to Alex--just the fact that everyone is refinancing right now and there is a backlog at the bank! I loved working with the closing company as well, as they came to our home--making the transaction very easy and time efficient. We will definitely reach out to Alex again for future mortgage/refinance needs.
Description of Work: Refinanced the mortgage on our home to a lower interest rate.

Rating CategoryRating out of 5
quality
5.0
value
4.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$5,000

Response from KV Mortgage
Hi, thank you! I hope all is well with you and the family!

Dennys P.
09/2012
5.0
mortgage broker
  + -1 more
Alex did a phenomenal job with my very complicated Shortsale transaction. He even went beyond his duties to ensure this deal went through. Great communication. Always available with an update whenever you need one. Got me a fabulous rate that I still can't believe. Very happy with my transaction and new home. I'll be using him again in the future. Thanks Alex! Dennys
Description of Work: 30 year loan on a shortsale purchase

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from KV Mortgage
Thanks buddy!! I hope all is well with you!!

Amy K.
09/2012
5.0
mortgage broker
  + -1 more
Alex and his team were professional and attentive. I have already referred Alex a couple of times and will continue to do so. Thanks Alex!
Description of Work: Alex Echeandia did a great job of reducing our mortgage by $1,000 per month!

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
4.0

Yes, I recommend this pro
$500,000

Response from KV Mortgage
Thank you!! I really appreciate it.

Contact information

827 Holden Rd, Frederick, MD 21701

https://www.alexecheandia.princetonmortgage.com/

Service hours

Sunday:
10:00 AM - 5:00 PM
Monday:
8:30 AM - 6:00 PM
Tuesday:
8:30 AM - 6:00 PM
Wednesday:
8:30 AM - 5:00 PM
Thursday:
8:30 AM - 6:00 PM
Friday:
8:30 AM - 6:00 PM
Saturday:
10:00 AM - 5:00 PM

Licensing

Bonded

Insured

Licensed*

Trade License Number
113856
Trade License Locale
DC
Trade License Authority
Nationwide Multistate Licensing System (NMLS)
State Contractor License Requirements

All statements concerning insurance, licenses, and bonds are informational only, and are self-reported. Since insurance, licenses and bonds can expire and can be cancelled, homeowners should always check such information for themselves. To find more licensing information for your state, visit our State Contractor License Requirements page.

*Contact business to see additional licenses.


Service Categories

Mortgage Companies,
Banking/Credit Unions

FAQ

KV Mortgage is currently rated 5 overall out of 5.

Sunday: 10:00 AM - 5:00 PM

Monday: 8:30 AM - 6:00 PM

Tuesday: 8:30 AM - 6:00 PM

Wednesday: 8:30 AM - 5:00 PM

Thursday: 8:30 AM - 6:00 PM

Friday: 8:30 AM - 6:00 PM

Saturday: 10:00 AM - 5:00 PM

KV Mortgage accepts the following forms of payment: Check,MasterCard,Visa
Yes, KV Mortgage offers free project estimates.
No, KV Mortgage does not offer eco-friendly accreditations.
No, KV Mortgage does not offer a senior discount.
No, KV Mortgage does not offer emergency services.
No, KV Mortgage does not offer warranties.
KV Mortgage offers the following services: Mortgage. Residential Financing. Purchase Loans, Refinance Loans, Home Equity Loans.
Commercial Loans

Contact information

827 Holden Rd, Frederick, MD 21701

https://www.alexecheandia.princetonmortgage.com/

Service hours

Sunday:
10:00 AM - 5:00 PM
Monday:
8:30 AM - 6:00 PM
Tuesday:
8:30 AM - 6:00 PM
Wednesday:
8:30 AM - 5:00 PM
Thursday:
8:30 AM - 6:00 PM
Friday:
8:30 AM - 6:00 PM
Saturday:
10:00 AM - 5:00 PM