Chris Fratta
Highlands Residential Mortgage, Ltd.
Highlands Residential Mortgage was created in 2010 in the midst of uncertainty and rapid change in the mortgage industry. A group of like-minded seasoned veterans came together to create a company with an employee-focused culture. A culture... Show More
Location & Business Hours
Business Hours
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closed
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closed
Mon
8:30 AM to 5 PM
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Reviews from Web
Chris was both personable and highly professional. He was a great guide, already ready and available for questions. He and his team made sure we knew what was needed next to keep the process running and running smoothly. We appreciate all that...
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Reply from Chris Fratta
May 30th, 2026 05:29 PM
Mary and Matt, thank you for your confidence and business. Please do not hesitate to contact me with any questions or referrals. Enjoy your new home!
Chris did our primary mortgage 18 years ago, our refi five years ago and now our second home. His professionalism, service and knowledge of the industry are outstanding. These is no reason to use anyone else.
Reply from Chris Fratta
December 16th, 2024 05:49 PM
I appreciated all of your confidence, business, and friendship! And I can't wait to see the new place.
Chris is phenomenal. If I’d been able to select ‘even better than the highest option’ I would have. He helped buy our last house and we went straight to him for this house. I’ve got see respect for his experience, strategic thinking, flexibility,...
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Reply from Chris Fratta
July 22nd, 2024 06:17 PM
Nicole, thank you so much for the kind words and the continued support and business. Enjoy your new home and please do not hesitate to call/email/text with any futures questions. Stay safe!
For the last couple of years, I've been working with one of the teams that Chris Fratta serves as a Lending Expert. Not only is he super responsive and resourceful, but I've seen him get amazing loans for people -- even downpayment assistance...
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Reply from Chris Fratta
July 24th, 2026 01:22 PM
Thank you for your feedback. I'm disappointed to learn that your experience did not meet your expectations. Throughout the eight-to-nine-month process, I provide numerous financing estimates for different properties and made every effort to...
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Chris and his team were excellent, answered all the questions I had and made the full process a breeze. My wife and I could not be happier!
Reply from Chris Fratta
July 16th, 2026 02:23 PM
I'm pleased to hear that you and your wife had such a positive experience, Zachary. It's great to know that we could make the process smooth and answer all your questions. If there's anything else I can assist with, please don't hesitate to...
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Chris is a true professional, well versed in lending and finance in general. He has shown to be very resourceful, providing solutions to issues and just adding value to any client that I have referred to him.
Reply from Chris Fratta
July 10th, 2026 02:39 PM
Marc, I appreciate the kind words. Working with a pro like you makes my job easier! Thanks, Chris
Chris and team were just ready to hop on board with assisting our loan journey for our home. Mr. Fratta was immediately the most helpful we've experienced, while helping us grow confidence in the process as first time homebuyers. Comfortable...
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Reply from Chris Fratta
May 26th, 2026 12:00 PM
Riley, thanks to both you and Bella for your confidence and support. And most importantly, thank you for your service and sacrifice. Enjoy your new home! Chris
Chris is very responsive and great to work with.
Reply from Chris Fratta
May 15th, 2026 02:36 PM
Thanks, Heather! Working with true professionals like yourself, makes my job easier!
Chris was very responsive each time we called him no matter the hour of day he made himself available to answer questions or explain a process He's very knowledgeable about his profession and made us feel confident and at ease
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Reply from Chris Fratta
May 15th, 2026 01:17 PM
Alex, thank you. You and Kathy were the perfect clients and a joy to work with. Enjoy your new home and please do not hesitate to reach out with any future questions. :)
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About
Highlands Residential Mortgage was created in 2010 in the midst of uncertainty and rapid change in the mortgage industry. A group of like-minded seasoned veterans came together to create a company with an employee-focused culture. A culture that values its members both personally and professionally and a company built on the idea that the customer comes first! We believe Highlands is such a place. Our Mission to value people drives everything we do.
We have the vision to be the world’s most respected mortgage brand. To accomplish this, we have created a culture that supports our team members, so they can deliver unmatched service and products to our customers and industry partners, while fulfilling the American Dream of homeownership.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Specialities
Conventional, FHA, VA, USDA
Purchase/Refinance 1st and 2nd Mortgages
Renovation Loans
Down Payment Assistance
Conventional 97%, HomeReady, HomePossible
Construction
Doctor/Dentist
Self-Employed Borrowers
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Positions
- Highlands Residential Mortgage - Sales Manager Loan OfficerJun 4th, 2024 - Current
Memberships
- MMBBA - Maryland Mortgage Bankers and Brokers Association
- HCAR -Howard County Board of Realtors DEI Committee
- Live Baltimore
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1993
Time Zone
Eastern Standard Time (EST)
Licenses
- Maryland
- District of Columbia
- Florida
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Achievements
- President's Club
- Certified Mortgage Planning Specialists
Hobbies
- HS Coach
- Working Out
- Golf
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Disclaimer
