Highlands Residential Mortgage, Ltd. - Baltimore, MD's Cover Image
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Highlands Residential Mortgage, Ltd. - Baltim...

A Higher Standard of Lending

Baltimore, MD
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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
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Reviews from Web
  • M
    Michael L
    Philadelphia, PA
    Posted on October 4th, 2026 11:21 AM
    Chris is the man. He works efficiently, very honest, experienced and always available. This was my first time purchasing a home and Chris made it so easy.
    Reply from Chris Fratta
    October 5th, 2026 01:42 PM
    Michael, thank you! I'm looking forward to seeing the "finished product"! Enjoy your new home!
  • for
    Gene Frazier
    Encompass
    S
    Semainesh K B
    Rosedale, MD
    Posted on October 1st, 2026 01:26 PM
    Gene and Ann were very helpful through this process. They answered all my questions and followed up with me when there were updates or I had concerns. Very pleasant, knowledgeable and professional.
  • R
    Robert A R
    Havre De Grace, MD
    Posted on September 28th, 2026 11:15 AM
    Communication was outstanding.
    Reply from Chris Fratta
    September 28th, 2026 11:48 AM
    Thank you, Rob! Enjoy your new home, and thank you for your business and confidence!
  • L
    Lexie D S
    Leesburg, VA
    Posted on September 19th, 2026 11:05 PM
    Heath was absolutely incredible to work with. He is the reason that we won the offer that we submitted under asking. His ability to pull off a 10 business day conventional loan won our mutual clients the deal, and the listing agent/seller was...
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    Reply from Heath Thomas Jr.
    September 22nd, 2026 06:49 PM
    I'm truly grateful for your kind words, Lexie. It was a pleasure to work with you and contribute to winning the offer for our mutual clients. At Highlands Residential Mortgage, Ltd., we aim to exceed expectations, and I'm happy to have helped...
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  • F
    Francis M
    Leesburg, VA
    Posted on September 19th, 2026 10:02 AM
    Fast communication, easy app to use.
    Reply from Heath Thomas Jr.
    September 22nd, 2026 01:16 PM
    I'm glad to hear that you found the communication fast and the app easy to use, Francis. At Highlands Residential Mortgage, Ltd., we strive to make the process as smooth as possible for our clients. Thank you for your positive feedback!
  • A
    Anthony L S J
    Philadelphia, PA
    Posted on August 28th, 2026 12:47 PM
    Chris and his team were amazing and I already recommended them to another client.
    Reply from Chris Fratta
    August 28th, 2026 07:33 PM
    Thanks Tony!! Your hard work was key in getting this to the table. Thanks!
  • I
    Ichabod F
    Philadelphia, PA
    Posted on August 26th, 2026 01:23 PM
    He was available, helpful, and communicative. I'm very grateful for all of his help with a complicated mortgage!
    Reply from Chris Fratta
    August 26th, 2026 01:48 PM
    Ichabod, on behalf of my entire team, thank you for your business and confidence. I can't wait to see the final product of the completed renovations!
  • for
    Gene Frazier
    Encompass
    A
    Anthony W T
    Pikesville, MD
    Posted on August 22nd, 2026 10:47 PM
    Great job by The Frazier Team. Gene presented me with several financial options. My application was processed efficiently and my closing went smoothly. I highly recommend Gene and his team.
    Reply from Gene Frazier
    August 26th, 2026 08:10 PM
    Anthony, I appreciate your recommendation and am glad to hear that you found the financial options presented helpful and that your closing went smoothly. Thank you for acknowledging the efforts of my team and me.
  • C
    Colleen A H
    Glen Burnie, MD
    Posted on August 20th, 2026 06:27 PM
    My buyers have been very happy with Chris's knowledge regarding financing
    Reply from Chris Fratta
    August 24th, 2026 07:12 PM
    I'm happy to hear that your buyers are satisfied with my knowledge in financing, Colleen. It's important to me that they feel confident and informed throughout the process. If there's anything more I can do to assist, please let me know.
  • for
    Gene Frazier
    Encompass
    A
    Adora D H
    Parkville, MD
    Posted on August 10th, 2026 04:57 PM
    Gene worked with us until the end- even when we had doubts.... the team had more faith in us then we did. We were going to give up but we kept pressing. Thank you for sticking with us and getting us approved. Greatly appreciated. The Hamlin's...
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    Reply from Gene Frazier
    August 13th, 2026 04:58 PM
    Adora, I'm pleased to know that my team and I could support you and the Hamlin family through the process, even during moments of doubt. Your perseverance is truly commendable, and I'm grateful to have been part of your journey to approval....
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  • 1–10 of 241
    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

    Time Zone

    Eastern Standard Time (EST)
    Disclaimer

    Equal Housing Opportunity

    An Equal Housing Lender | Highlands Residential Mortgage, Ltd is located at 950 W. Bethany Drive, Suite 800 - Allen, TX 75013. | NMLS Identifier # 134871 www.nmlsconsumeraccess.org | A Texas Limited Liability Company registered under The Texas Department of Savings and Mortgage Lending Division of Licensing | Operating with the following licenses: AL Consumer Credit License #21266; AR Combination Mortgage Banker-Broker-Servicer License #109369; Arizona Mortgage Banker License #BK-1011006; CA-Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, Finance Lender Licensee #4131240; CO Colorado Mortgage Company Registration #134871. Regulated by the Division of Real Estate.; DC Mortgage Lender License #MLB134871; FL Mortgage Lender License #MLD968; GA Mortgage Lender License/Registration #37908; IA Mortgage Banker License #2018-0120; IL Illinois Residential Mortgage Licensee NMLS ID MB.6761013R (www.nmlsconsumeraccess.org). License by the Illinois Division of Banking, 320 West Washington St., Springfield, IL 62786, (217) 782-3000.; IN-DFI Mortgage Lending License #30529; KS Mortgage Company License #MC.0025127; KY Mortgage Company License #MC390233; LA Residential Mortgage Lending License; MD Mortgage Lender License #06-20712; MI Licensed by the Mississippi Department of Banking and Consumer Finance #134871 / Minn. Stat. Ann. § 58A.20; MO Company License #16-2132; NC Mortgage Lender License #L-157614; NE Mortgage Banker License #NE134871; NJ-Licensed mortgage banker n.s.--N.J. Department of Banking #134871; NM Mortgage Loan Company License; OH General Loan Law Certificate of Registration #GL.502014.000; OH Residential Mortgage Lending Act Certificate of Registration #MBMB.850279.000; OK Mortgage Broker License #MB002229; OK Mortgage Lender License #ML010007; Oregon Mortgage Lender License ML-5891; SC-BFI Mortgage Lender / Servicer License #MLS – 134871; TN Mortgage License #115557; TX-Texas – SML Mortgage Banker Registration #134871 https://www.sml.texas.gov/ConsumerInformation/tdsml_consumer_complaints.html; VA- Virginia Broker License #MC-5729. Virginia Lender License NMLS ID MC-5729 (www.nmlsconsumeraccess.org) NMLS ID #40889VA; Pennsylvania Lender License #75616; WA Consumer Loan Company License #CL-134871. This is not an offer for extension of credit or a commitment to lend.