I have been originating mortgages in Maryland for over 27 years. In 2003 I founded Bayside Mortgage Services, Inc.. As the owner of the company, I have a competitive advantage over other loan officers as I don't have to split the commission between the sales manager and the owner. In turn, I pass that savings on to my clients. I consider my clients best interest and assure their loan closes as scheduled. Additionally, Mortgage Brokers offer more loan programs, less restrictions and better rates then retail lenders. I pride myself with exceptional customer service and am available to my clients anytime. I am happy to report that 99% of my business is from referrals received from past clients. Please refer to my company reviews on Facebook. I can be reached 7 days a week for a free no obligation pre-approval at 410.310.0846.