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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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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5 Star
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Reviews from Web
  • for
    Sigal Covaliu
    Encompass
    C
    Charles H C
    Upper Marlboro, MD
    Posted on July 26th, 2025 11:02 AM
    Sigal kept us informed thd entire time. My second time closing with her and this was even smoother than the worst. Look forward to working with her on a deal in the future.
    Reply from Sigal Covaliu
    July 29th, 2025 11:03 AM
    I'm really pleased to hear that your second closing with me went so smoothly, Charles. Keeping you informed throughout the process is always my priority, and I'm glad it contributed to a positive experience for you. I look forward to the opportunity...
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  • for
    Sigal Covaliu
    Encompass
    S
    Sam C I
    Bowie, MD
    Posted on July 25th, 2025 10:27 AM
    Sigal Covaliu is simply THEE BEST!!! The way she went to battle for my client on an issue that was preventing us from getting the CTC, was nothing short of amazing!!! Her determination and tenacity, her drive and willingness not to accept an...
    read more
    Reply from Sigal Covaliu
    July 28th, 2025 10:29 AM
    Thank you so much, Sam, for your incredibly kind words. It was important to me to ensure the best possible outcome for your client, and I'm glad we were able to overcome the challenges to get the results needed. Your appreciation of my efforts...
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  • for
    Gene Frazier
    Encompass
    V
    Vernada W
    Baltimore, MD
    Posted on July 21st, 2025 11:56 AM
    Mr. Frazier and his team always deliver great service. If I have clients who come to me with another lender who cannot complete their home financing, I refer them to Gene and he gets the loan approved.
    Reply from Gene Frazier
    July 24th, 2025 11:57 AM
    Vernada, I appreciate your trust and confidence in me and my team. It's always rewarding to know that you're satisfied with the service we provide. I take pride in finding solutions for challenging home financing situations, and I'm grateful...
    read more
  • for
    Gene Frazier
    Encompass
    H
    Halle J
    Baltimore, MD
    Posted on July 21st, 2025 11:18 AM
    Wow, where do I begin? Gene and Ann made an initially disappointing and frustrating process seamless and phenomenal. My hand was held every step of the way. The team was always available and always engaged with me and communicated very thoroughly....
    read more
    Reply from Gene Frazier
    July 24th, 2025 11:19 AM
    Halle, I'm genuinely grateful for your feedback. It's heartening to know that Ann and I were able to turn a frustrating experience into something seamless for you. Holding your hand through each step and ensuring clear and thorough communication...
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  • for
    Gene Frazier
    Encompass
    M
    Michael J H
    Clinton, MD
    Posted on July 20th, 2025 06:26 PM
    Gene Frazier's guidance in his pushing to help you get what you need to achieve on your house is great and I greatly appreciate Gene Frazier and his team
    Reply from Gene Frazier
    July 23rd, 2025 06:28 PM
    Michael, thank you for your kind words. I'm truly pleased that my guidance was helpful in achieving your homeownership goals. It's a pleasure to hear that you appreciated the support from my team and me throughout the process. Please know I'm...
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  • for
    Gene Frazier
    Encompass
    J
    Jordan S
    Baltimore, MD
    Posted on July 19th, 2025 02:30 PM
    Gene and Ann were always super responsive and helpful throughout the process. They made things easy to understand.
    Reply from Gene Frazier
    July 22nd, 2025 02:30 PM
    Thank you, Jordan, for taking the time to share your experience. I'm pleased to hear that you found Ann and me to be responsive and helpful. Making the process easy to understand is something we strive for, and I'm glad it resonated with you....
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  • for
    Gene Frazier
    Encompass
    A
    Ambria C
    Upper Marlboro, MD
    Posted on July 17th, 2025 11:24 AM
    Gene Frazier and his team moved quickly and efficiently to make sure that we were able to get everything processed so that we were ready to go by closing. He was very knowledgeable about the different loan products and helped us to make a well...
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    Reply from Gene Frazier
    July 20th, 2025 11:26 AM
    Thank you, Ambria, for sharing your experience. I'm glad to hear that you felt the process was quick and efficient. It's important to me that you were well-informed about your loan options, and knowing that the communication met your expectations...
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  • for
    Gene Frazier
    Encompass
    S
    Sukhjiwan S
    Clinton, MD
    Posted on July 16th, 2025 03:57 PM
    This was my first experience with Gene Frazier. My buyer client chose him. When I first interviewed Gene, I knew that my buyer was in capable and experienced hands. I was immediately at peace. The process proved me right. Gene and his assistant...
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    Reply from Gene Frazier
    July 19th, 2025 03:58 PM
    Thank you, Sukhjiwan, for sharing your experience. I'm glad to know that from our initial conversation, you felt confident about the service your client would receive. It's rewarding to hear that the process confirmed your initial impressions....
    read more
  • for
    Sigal Covaliu
    Encompass
    R
    Ryan J
    Upper Marlboro, MD
    Posted on June 26th, 2025 06:00 PM
    Sigal explored every option possible for my pre-approval and did not give up until we were able to get things done!
    Reply from Sigal Covaliu
    June 29th, 2025 06:02 PM
    I'm glad to hear that we were able to explore all options for your pre-approval successfully. It was a pleasure working with you, and I appreciate your positive feedback. If you have any further questions or need assistance in the future, please...
    read more
  • for
    Gene Frazier
    Encompass
    S
    Sharon P
    Baltimore, MD
    Posted on June 18th, 2025 10:21 PM
    open communication regarding the process
    Reply from Gene Frazier
    June 21st, 2025 10:22 PM
    Thank you, Sharon, for highlighting the open communication you experienced during the process. I'm glad I could assist you, and I appreciate your feedback.
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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

    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.