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 on top of all the needed documents and process. He really made the difference and I would highly recommend his service to anyone I know in Maryland.
Reply from Chris Fratta
May 31st, 2025 03:36 PM
Ruben, thank you so much for your confidence and business...enjoy your new home! Don't hesitate to call/email with any future questions. I'll circle back when a refinance opportunity presents. Thanks, Chris PS - In additional to MD, I'm licensed...
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Chris guided us from the very beginning all the way through the end. His knowledge and level of communication helped make the process as painless as it could be .
Reply from Chris Fratta
May 24th, 2025 03:35 PM
Congratulations on your new home and thank you for your business and confidence!
was very knowledgeable and made the whole experience super easy for first time homebuyers highly recommend talk to text is the best invention ever I do in the car all the time things I text you when I'm driving
Reply from Chris Fratta
May 27th, 2025 03:04 PM
I'm delighted to hear that your experience as a first-time homebuyer was easy and that you found my knowledge helpful. It was a pleasure assisting you, and I appreciate your recommendation. If you have any further questions or need assistance...
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Chris is knowledgable, personable, and he made us feel comfortable as first time home buyers. He helped us take advantage of state and city programs and never talked down to us. A great person to have on our team!
Reply from Chris Fratta
May 27th, 2025 01:15 PM
I'm thrilled to hear that you felt comfortable and well-supported as first-time home buyers. It was a pleasure helping you navigate the process and take advantage of available programs. Thank you for your kind words and trust in me as part...
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The level of communication between myself and Chris was great! He was very helpful with any questions I had as well as being able to suggest what options would work best for me. Highly reccomend Chris and the Highlands mortgage team!
Reply from Chris Fratta
May 12th, 2025 01:50 PM
Thank you, Peter! Your persistence in your home search paid off! Thank you for your business and confidence. Enjoy your new home!
We searched high and low for a home for these buyers, some issue popped up during the process and Chris was able to navigate, pivot and communicate to the buyer what we needed to do to get to the table.
Reply from Chris Fratta
May 9th, 2025 01:23 PM
I appreciate everything you do for your clients!
We never had to wait to hear from Chris. He was very helpful in all areas and was always availabl. He is one of the reasons I was able to get my house!
Reply from Chris Fratta
May 6th, 2025 01:25 PM
Jordan, thank you for the 5-star review! I know you're going to enjoy your new home. Please don't hesitate to call me with any question, or if you know of anyone who could benefit from my help.
Chris was extremely thorough and patient without being overwhelming. We felt like we had all of the information we needed and the space to ask any question without feeling (too) overwhelmed with everything that was out there. It was especially...
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Reply from Chris Fratta
April 24th, 2025 02:12 PM
Thank you for allowing me to be a part of this HUGE life milestone! Enjoy your new home, and please do not hesitate to contact me with any future questions or referrals!
Great service and great communication. I appreciate Chris' patience with me as this was my first House, he was thorough and helped me get everything in that I needed. Always responsive and quick to get back.
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Reply from Chris Fratta
March 27th, 2025 02:04 PM
Steven, congratulations on the purchase of your first home! Thank you for entrusting me with this huge, lifetime milestone! Please do not ever hesitate to reach out with any future questions or referrals.
Chris and his staff were responsive and knowledgeable
Reply from Chris Fratta
March 17th, 2025 02:32 PM
Thanks, Heath! We appreciate your business and confidence. Please do not hesitate to call with any future questions. And please, if you know of any friends or family that could benefit from our expertise, please let me know. Thanks.
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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
