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
Wed
8:30 AM to 5 PM
Thu
8:30 AM to 5 PM
Fri
8:30 AM to 5 PM
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Reviews from Web
Chris was very prompt and very informative explaining to me clearly. Chris went above and beuond beyond to make sure the loan process went smoothly. We were most grateful that he came to the closing we highly recommend Chris and will refer...
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Reply from Chris Fratta
April 13th, 2026 01:24 PM
Thanks, Jennifer! Enjoy your new home and please do not hesitate to call with any questions.
Chris is Phenomenal in his communication skills, timeliness and efficient management of the transaction. Explains and educates the clients periodically. Is Always available to answer any question. Chris truly goes above and beyond for his clients....
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Reply from Chris Fratta
April 6th, 2026 02:48 PM
Thank you, Shailey! Having a reliable realtor partner such as yourself makes my job easier!
Chris was professional, provided prompt clear details and instructions through the whole process.
Reply from Chris Fratta
February 16th, 2026 03:06 PM
Shane, Thank you for your continued support! Please let me if you have any questions or need any additional assistance. Thanks!
He was awful & very rude. I would steer clear of someone who has no customer service skills & is completely over bearing.
Reply from Chris Fratta
February 13th, 2026 05:55 PM
Hi Lauren, I am sorry to hear that your experience did not meet your expectations. My goal in every conversation is to provide clear, accurate guidance so clients can make informed decisions with confidence.
In this situation, I explained...
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Not only was I there for my clients every step of the way, so was Chris. He was able to answer any question my clients and I had.
Reply from Chris Fratta
January 15th, 2026 03:09 PM
Tyshawna, Congrats to you and your clients. It was an honor to be a part of your first closing with the EXP team. Looking forward to many more!
Chris was extremely informative and always quickly responded to texts, calls, and emails. He took the time to discuss concerns and is just a personable great guy!
Reply from Chris Fratta
January 13th, 2026 03:03 PM
Jacqueline,Congratulations, again. I can't think of a better way to start of the new year than with a new home! Thank you for your business and confidence. Please do not hesitate to call/email/text with any future question. And if you know...
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Chris was very professional, knowledgeable, timely and patient. It was a pleasure to work with him.
Reply from Chris Fratta
January 12th, 2026 01:15 PM
Ina, thank you! It was a pleasure working with you, too. I know you'll enjoy your new home. Cheers!
Chris was personalable and professional. He was always available to answer questions and went the extra mile to make sure my clients got the best results.
Reply from Chris Fratta
January 8th, 2026 02:41 PM
Thank you, Jill! Working with a professional like yourself makes my job easier! Happy New Year!
Chris is a gentleman who is very knowledgable and easy to work with. He answered all our questions expeditiously. He walked us through the entire process.
We highly recommend him!
Reply from Chris Fratta
January 6th, 2026 09:27 PM
Nate and Ina, Happy New Year, and thank you for your business and confidence. It was a pleasure working with you. Please do not hesitate to call with any future questions. And, as always, if you have any friends or family who could benefit...
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The level of professionalism. We were kept informed, and offered options that fit our needs.
Reply from Chris Fratta
November 20th, 2025 03:27 PM
I'm grateful for your kind review, Amira. Keeping you informed and providing options suited to your needs is at the core of my approach. If you have any more questions or need further assistance in the future, please feel free to reach out.
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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
