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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5 Star
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5%
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Reviews from Web
  • M
    Marc M
    Shrewsbury, PA
    Posted on January 24th, 2025 12:28 PM
    Chris came in and took on a difficult situation and not only closed the deal but instilled a calmness my buyer needed from her prior lender experience. Chris's time in lending just shows in a clutch situation, I would highly recommend Chris...
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    Reply from Chris Fratta
    January 24th, 2025 05:19 PM
    Marc, thank a ton for the words! I appreciate all of your trust and business!
  • C
    Caroline G
    Bowie, Maryland
    Posted on January 23rd, 2025 01:26 AM
    Chris was absolutely wonderful to work with. We were moving to Maryland from out of state on a very tight timeline and with a number of contingencies and moving pieces. Chris made the entire process so easy and he worked tremendously fast to...
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    Reply from Chris Fratta
    January 23rd, 2025 01:36 AM
    Thank you, Caroline! It was my pleasure and honor to assist you with your new home. Welcome to Maryland!
  • for
    Gene Frazier
    Encompass
    A
    Arnold H
    Upper Marlboro, MD
    Posted on January 13th, 2025 01:57 PM
    Gene and his team were always in communication with my buyer and me. They walked us through each step in the financing process to the closing.
    Reply from Gene Frazier
    January 16th, 2025 01:58 PM
    I'm so glad to hear that you had a positive experience with us, Arnold! Transparency and open communication are important to us at Highlands Residential Mortgage, Ltd., and we aim to guide all our clients through every step of the financing...
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  • S
    Shailey O S
    Bowie, MD
    Posted on January 13th, 2025 12:35 PM
    Chris has been incredibly responsive, knowledgeable about the entire loan process and has provided excellent value to my clinets throughout the home buying process from the first introduction to post settlement support.. He made the transaction...
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    Reply from Chris Fratta
    January 16th, 2025 12:38 PM
    Hi Shailey, Thank you for the fantastic review and the full 5-star rating! I'm glad to hear that you found the loan process to be efficient, easy, and smooth. That's always my aim. It's been a pleasure assisting you throughout the home buying...
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  • for
    Gene Frazier
    Encompass
    O
    Oteto O
    Upper Marlboro, MD
    Posted on January 13th, 2025 11:16 AM
    Great communication, quick response time. Show great deal of concern for client. Never give up. Thanks
    Reply from Gene Frazier
    January 16th, 2025 11:18 AM
    I appreciate your kind words and 5-star rating, Oteto! It's always my priority to provide excellent communication and response times. I'm glad to hear that my dedication to serving my clients' needs came across. Your feedback motivates me to...
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  • for
    Gene Frazier
    Encompass
    D
    Danyelle P
    Capitol Heights, MD
    Posted on December 31st, 2024 01:37 AM
    Both Gene and Ann provided around the clock support and guidance. They are both a wealth knowledge, very patient and constantly available. This experience would not have been the same without them, and I am grateful for all of their hard work....
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    Reply from Gene Frazier
    January 3rd, 2025 01:39 AM
    I'm thrilled to hear about your positive experience with us at Highlands Residential Mortgage, Ltd. It's always our goal to provide constant support and guidance to all our clients. Your feedback validates the dedication and hard work that...
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  • for
    Sigal Covaliu
    Encompass
    M
    Megan S
    Washington, DC
    Posted on December 23rd, 2024 04:26 PM
    Sigal and her processing team were nothing short of amazing! My client had numerous challenges with lenders. Sigal was her third and final lender and she truly was the difference maker in ensuring my client had a wonderful transaction experience....
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    Reply from Sigal Covaliu
    December 26th, 2024 04:31 PM
    Thank you so much for your kind words, Megan. I'm really delighted to hear that you had such a wonderful experience. It was truly a pleasure to manage your client's transaction and overcome those challenges. I am looking forward to working...
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  • for
    Gene Frazier
    Encompass
    K
    Kateryna S
    Capitol Heights, MD
    Posted on December 19th, 2024 05:35 PM
    Gene and his team delivered exceptional service and expertize. We had a challenging transaction and we would not be able to close it without Gene and Ann. They were able to efficiently solve the problem and can think outside of the box. As...
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    Reply from Gene Frazier
    December 22nd, 2024 05:36 PM
    Hi Kateryna, Thank you so much for your kind words and the 5-star review. It was a pleasure to work with you and overcome the challenges we faced in our transaction. Both Ann and I strive to provide the best service and expertise possible,...
    read more
  • A
    Abba H
    Posted on December 16th, 2024 05:50 PM
    I have a Real Estate team and have gladly referred some of our buyer clients to Chris Fratta and his team for over 10+ years. He has a wealth of knowlege and goes out of his way to recommend most feasible lending options for our clients. He...
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    Reply from Chris Fratta
    December 16th, 2024 06:09 PM
    Thank you, Abbas! You've put together a great team at EXP! Thanks for all of your support.
  • J
    James M T
    Ocean City, MD
    Posted on December 15th, 2024 12:02 PM
    Chris did our primary mortgage 18 years ago, our refi five years ago and now our second home. His professionalism, service and knowledge of the industry are outstanding. These is no reason to use anyone else.
    Reply from Chris Fratta
    December 16th, 2024 05:49 PM
    I appreciated all of your confidence, business, and friendship! And I can't wait to see the new place.
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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.