30 Year Fixed3.25%
INTEREST RATE 3.596%
ANNUAL PERCENTAGE RATE (APR) Last Updated: 11/29/17 11:23AM EST
5/1 VA Hybrid ARM3.125%
INTEREST RATE 3.589%
ANNUAL PERCENTAGE RATE (APR) Last Updated: 11/29/17 11:23AM EST
We can let you know all about the Veterans Administration loan options and benefits you’re entitled to as a service member or veteran. Our loan specialists are ready to answer your questions. Read More
"Just wanted to take a moment to say that working with 1st Mariner has been a great experience. Dennis, our rep was very knowledgeable and on top of everything. Considering we had less than a 30 day closing from start to finish it all worked out seamlessly!
I was very skeptical to use an "out of town" company but no worries! I would recommend 1st Mariner to anyone looking for a professional, knowledgeable mortgage lender."JULIA BONDY & TIMOTHY FOY, OCTOBER 2017
We have just finished the process of getting a loan with 1st Mariner’s Bank and would like to commend the services of your staff, especially Dennis Waskiewicz. Among other things, we were impressed with his knowledge of loan issues. We had been shopping around for VA loans for weeks and were initially going with Quicken Loans. But they hesitated about the fact that there is a hiatus between the end of my faculty appointment in South Dakota in June and the beginning of my new faculty appointment in Maryland in August. When my wife spoke with Dennis about this, he quickly did the necessary investigations, requested further materials from us and confirmed that 1st Mariners was going to be able to work with us through this contingency. His industriousness and determination in pursuing the matter was key because at that point we had a house we wanted to make an offer on. Throughout the whole process Dennis was extremely responsive, accessible and informative and especially very clear in his explanations about what he needed from us and why, as well as all the steps of the loan process. It was a pleasure working with Dennis and we will not hesitate in referring him to other home buyers when we have an opportunity.Mark & Claudia C., June 2017
"I just wanted to express my gratitude and appreciation for the work that Dennis has done in helping us with the mortgage process. He is always present to answer questions and has taken the time to go over the details. I can truly say that it has been a non-hassle experience working with Dennis, and we vastly appreciate his time, efforts, and guidance. Thank you tremendously."MARIA H., APRIL 2017
We just closed a deal together and they buyer and I were fortunate enough to work with Dennis Waskiewicz. Honestly, I was a little nervous that we were dealing with an out of state mortgage company and loan officer, but was pleasantly surprised with how smooth and quick the loan process was handled by Dennis and his team. He was on top of everything and stayed in constant contact with myself (the realtor) and the buyer. I will certainly refer Dennis and VA Mortgage to future clients because of the great service that was received. Thank you!JAMIE MITCHELL (REALTOR) , APRIL 2017
I would love to take this opportunity to leave some extremely positive feedback on my loan experience with Dennis and the whole VA Mortgage team. From the first phone call I could immediately tell that Dennis was confident and enthusiastic about his home loan products and process. He did a wonderful job explaining many different aspects about how the VA loan process works, defined some terms I was unfamiliar with, and was the best loan officer I had spoken with up that point. He was even willing to work with us while we were still in England and transitioning to the US, and we hadn't even picked a house yet! He was very thorough and professional when delivering paperwork, and explained how the digital signature process worked. Dennis was quick to follow-up with any questions and always kept us in the loop with what was going on, whether from a quick email or phone call, we never had a doubt as to what was going on with the loan process. My realtor was extremely happy working with him, and she even said he was one of the best loan officers she had worked with in a long time. At closing, everything was prepared exactly as necessary, and we were completely finished in about 30 minutes! I would and will recommend Dennis and his team with no problem to anyone I know who is in the market for a house or refinance. Thank you so much for making the largest purchase we have made together an extremely easy one!DANIEL SIMMONS, APRIL 2017
"I looked into several other companies to refinance my house and after talking with Dennis … he won the deal. I was going through a divorce at the time so that was the main reason for my refinance. Dennis made me feel like a long distance friend by telling me about some of his family issues and then listening to mine. It was good to have something to talk about other than just refinancing. Anytime I had questions or concerns he was quick to answer even though sometimes it wasn’t the answer I wanted. My refinance and divorce are final and I am looking forward to my new life. Thanks to Dennis and VA Mortgage for making that happen."RON YOUNG, APRIL 2017
Throughout our lifetimes we have had to do business with several different mortgage providers. Each time was a nightmare to say the least- even at our own bank! No one was ever straight forward with us on the paperwork they still needed or what to expect and when to expect it. Due to all of the issues we've had in the past we were a bit skeptical of even trying to move forward with our VA Cash-Out Refi with any company. Things with other companies had been so stressful, we almost tossed out the whole idea. But, before we "threw the baby out with the bathwater" we found First Mariner and talked to Dennis.
He is honest, respectful, and REALLY knows what he is doing. Dennis has true integrity, which is so hard to find these days. Most importantly he always laid out the correct expectations for us and for the bank. Everything went EXACTLY as he said it would without a hitch. It went so well (compared to our other experiences), to be honest we feel a bit dumbfounded! In a good way of course. This is the way handling a transaction should work. You can't change the past, but boy do we wish we could have used Dennis for all our other previous transactions. Moving forward we will never go anywhere else other than Dennis/First Mariner- and we'll be referring anyone who needs a mortgage his way as well.
Thanks again for the great experience and helping us reach our goals!BECKEY AND JEROMY, SEPTEMBER 2015
I am writing you to inform that Dennis did a great job with my loan. He was absolutely a pleasure to work with. I have worked with multiple loan officers and Dennis is by far the best I have ever worked with. He was very responsive and took care of all aspects of getting the loan closed. He understood what was needed and told me the first time, so I was not submitting the same information multiple times. He actually cared about customer service. I will do as many loans as I can through your bank because of Dennis.WILL H., MARCH 2015
It was a pleasure working with Dennis [Waskiewicz] from the beginning to the end of the loan refinancing. The first thing that comes to mind when I think of my experience with Dennis is the fact that he is a man of very high personal integrity. When I first called him and discussed that wanted to refinance, he did not try to talk me into doing it or use any high-pressure tactics to convince me. He carefully and meticulously spelled out all the pros and cons of refinancing a house that was “under water” and then gave me a few days to think about it and talk it over with my wife.
In retrospect, every single thing Dennis told me would happen – happened! There were several hoops we had to jump through to get everything done. It didn’t make it any easier that I am in Afghanistan with a 10.5 hour difference, and Dennis also had to make sure my wife was kept abreast of everything because she played a big role in the refinancing. Even with the time difference, I could call Dennis at any hour to get answers to any questions or concerns I had. My wife could also contact Dennis at any time when needed.
I had tried to refinance my house on several occasions but I did not feel that any of the loan officers had our best interest at heart and some simply told me they couldn’t do it. Dennis was the exception and explained everything to me in a way that I could understand. It is very important to have trust in the loan officer with whom you are working, and I trusted Dennis from the beginning and knew he was looking out for our best interest.
There was very little stress or misunderstanding associated with the refinancing because Dennis was always there to promptly answer all of our questions. My wife and I feel really relieved that we were finally able to take advantage of the low interest rates offered now and thanks to Dennis, our out of pocket expenses were much less than we originally thought we’d have to pay. I will definitely recommend Dennis to any of my friends or colleagues who are looking to refinance or purchase a home.STEVE L., FEBRUARY 2015
Thank you Dennis, I appreciate your assistance with this. You made it quite easy. I know I had received quite a few mailers about a potential refinance, but didn’t trust any of them until you called to discuss my options. Getting the lower rate will allow me to allocate more money to paying off other debt
It's truly been a pleasure working with you.JIM B., JANUARY 2015
I had expected tons of paperwork and weeks, if not months, of delays and back-and-forth clarifications to get a VA refinance for my Virginia condo. But after an initial clear and frank discussion, Dennis did all of the upfront work and made the process basically painless for me.
I still can’t believe how quickly and smoothly the process went — from the assembled papers ready for my review and signature, to the agent’s visit to my home to finalize the refinance. All friendly, but professional, clear and reality based. I’m pleased as punch, and give this transaction a ten out of ten.DARIAN D., DECEMBER 2014
[…] My husband and I recently refinanced using your services. We worked with Dennis Waskiewicz who did an excellent job. From the moment I called he was professional and friendly and answered all of my questions. He explained everything clearly, making the process easier to understand by talking me through each step. Communication with Dennis was so convenient, he was always available by phone and email. Our refinance was done quickly and was a painless process. Thank you very much for everything! We are very happy with our new mortgage!LINDSAY S., DECEMBER 2014
We worked with Dennis Waskiewicz on the purchase of our home in Carmel Valley, CA. We contacted Dennis prior to having a property in escrow and advised him of a tight time-frame in which we needed to complete the purchase with VA funding. My husband and I have bought and sold several homes and we have never come across someone as professional and efficient as Dennis. Dennis was able to close our loan 20 days from the date we identified the property… unheard of! We were expecting to have some bumps in the road given the loan size and the fact that we were working with VA funding, but our fears were completely unfounded. We would (and have) recommended Dennis to all of our friends, both military and civilian. He is truly the best loan officer we have ever worked with!DIANE Y., DECEMBER 2014
[…] Thank you for the great service and for helping me start my life in my new home. Thank you for getting everything together quickly. You all are the best! I couldn’t thank everyone enough for all the help.JONATHAN C., NOVEMBER 2014
I was working with a local bank on my second home with an accepted offer. The first offer fell through because the seller was being unreasonable, the second offer seemed to be going well until just before closing. The bank told me the home was never VA approved and would have to go through a process that could take 30-60 days. I was heartbroken! Everybody was blaming each other for the paperwork not being completed right away. After a few weeks went by with no answers, the seller and I mutually agreed to seek other options. I then found the VA handbook for lenders online and found out it was the lenders responsibility to ensure that the home was VA approved. I could no longer trust this lender.
I found VAMortgage.com and was a bit skeptical at first, but after some online investigation I decided to trust them. I could not be more glad that I did! Not only were they ready to close in less than 30 days (which I was told by my other lender it was impossible to close in less than 45-60 days), but the service was fantastic and they kept in frequent communication during the entire process. Someone was always quick to answer my questions and provide reassurance even when things were not going well with the appraisal. I highly recommend VAMortgage.com and 1st Mariner Bank!JESSE J., FEBRUARY 2015
My loan funded with your company July 7th. It was a miracle that can only be attributed to your company and Dennis Waskiewicz’s diligence. I want to thank everyone involved. Sometimes in life people enter to save you, this happened to me when I met Dennis Waskiewicz on your 1st Mariner Bank web site.
Agent Orange had killed my husband of 46 years. His illness had financially challenged my business and I was emotionally distraught over being turned down for a VA loan by my bank of 30 years, […] and 3 other VA lenders. Being self employed, having a VA issue getting a widows certificate, and proving income from multiple sources were all time consuming and challenging. Not once over the process of getting funded did Dennis show anything but a supportive and positive attitude. His clear direction on what he needed and help in obtaining all information was outstanding. His kind, warm, and very knowledgeable help was so appreciated. He worked many hours to get me a loan that others said was a loan the VA would not fund. I am forever grateful to him and 1st Mariner.
I applied for a mortgage with your bank and was told certain things that would happen by [Dennis]. Everything that he said was absolutely fact. He was pleasure to deal with and very patient with my questions. I will recommend your bank to all my associates and friends because of the treatment I received.WILLIAM L., JULY 2014
It was a pleasure working with Mr. Waskiewicz. He was very professional, efficient, friendly, helpful, and honest. The whole process went smoother and quicker than I expected, and if I ever have to do this again I will contact Mr. Waskiewicz. Thank you!DAVID G., APRIL 2014
We recently refinanced using Dennis Waskiewicz as our loan officer. Dennis was very attentive to our needs, as well as prompt with responding to our calls, and in general, readily available. It was reassuring that Dennis demonstrated a complete understanding of the refinancing process. He is professional and friendly, and we will recommend his services to others.JEFF & JENNIFER W., JANUARY 2014
I just wanted to take a moment and express my gratitude and appreciation for Dennis Waskiewicz. I contacted Dennis back in September to procure a VA home loan for a home we are in the process of building. All was progressing well and we were able to lock at a great rate on the 1st of Oct with a 60-day lock. Things were great until our builder began to fall further and further behind schedule and missed our delivery day and exceeded our budget. Dennis was a calming force and was determined to find a solution to our dilemma. After extending our lock the first time, the builder again was unable to deliver. Then a second time due to no Certificate of Occupancy, Dennis was able to go to bat and once again obtain a rate lock extension… amazing! I cannot speak more highly of his professional service or ‘can-do’ attitude… truly an asset to your organization. Please pass my sincere appreciation for the incredible job Dennis did in bring my mortgage to a close!MATTY G., JANUARY 2014
I would like to let you know you have a great employee, Charlie Maykrantz. I recently purchased my first home and I couldn’t have done it without the help of Charlie. He has done an astonishing job as far as getting everything I needed done in a very quick time manner. This being my first home, he walked me through step by step in what I needed to do. I couldn’t have asked for a better person or company to help me get what I needed done. Thank you for your time and for such a great experience.MARI E., DECEMBER 2013
Just wanted to let you know how much we appreciated working with Dennis Waskiewicz on our refinance. We’ve never had a loan process so quickly and professionally. (Our previous one with a bank was a nightmare!) You are fortunate to have such a well-informed worker who knew what he was doing!CAROLYN & WILLIAM S., NOVEMBER 2013
I am writing to compliment one of your employees, Dennis Waskiewicz, for the excellent customer service that he provided me when I refinanced my home earlier this month. I had several questions throughout the process, and Dennis was quick to answer them either by phone or email. Additionally, he kept me abreast of the progress of my refinance package and there were a few occasions where he went above and beyond and either conducted research or made phone calls on my behalf thereby lessening my effort so I could continue to work uninterrupted. It is rare that you find employees of such caliber and professionalism. Such a commitment to providing great customer service should be recognized and commended.
I have dealt with your bank before when I initially purchased my home and I have always been pleased with the service I have been provided. With employees such as Dennis, you can be sure that I will continue to do business with your bank for years to come. Additionally, I plan to hand out business cards and recommend Dennis as the go-to person when considering a refinance or even a purchase of real estate.JIMMY C., NOVEMBER 2013
My wife and I recently refinanced our home mortgage with VAMortgage.com/ 1st Mariner Bank. I wanted to contact you in regards to one of your employees, Charlie Maykrantz.
I called your bank a few weeks ago to inquire about refinancing our current mortgage. Mr. Maykrantz happened to answer the phone. While I was calling to simply inquire about what your bank could offer, I left that conversation knowing that we would move forward with VAMortgage.com/1st Mariner Bank. Mr. Maykrantz was extremely knowledgeable and accommodating. He welcomed all of my concerns and patiently answered all of my questions.
We were further impressed with Mr. Maykrantz when, to our surprise, he called us on several occasions during the course of refinancing. He checked in with us regularly to assure that everything was going well and as planned. He even called to confirm that our notary showed up as scheduled to sign the final documents. You cannot know the appreciation we have for an employee that shows what we feel to be honest concern about our needs and satisfaction during this process.
After dealing with our previous lender, it was a pleasure to work with Mr. Maykrantz. He was courteous and helpful and went above and beyond our expectations. It is because of Mr. Maykrantz’s outstanding customer service and care that we chose your bank. As a result of our experience with Mr. Maykrantz, we have referred several friends to VAMortgage.com (one is currently closing on his refinance). We felt it only right that Mr. Maykrantz be recognized for his excellent service. I do hope he will get the recognition he clearly deserves, as this level of customer service is becoming harder to find in this day and age.
Thank you again.CHARLIE C., OCTOBER 2013
We want to thank you for the work you did to complete our recent VA mortgage. We appreciated your efficiency and thoroughness. You answered our questions quickly and processed the loan as you promised. We appreciated the closer coming to our home to complete the loan. Thank you for making it possible for us to have a mortgage now at a lower interest rate.VICKI & JERRY K., JULY 2013
Thank you again for your dedication and continued support reference the refinance of my VA mortgage. This was definitely a team effort and I certainly appreciate yours. I was very satisfied with your customer service and it is my intent to pass that along to your managers.TERRESA R., JULY 2013
I wanted to take a moment to share some very positive feedback with you regarding one of your employees, Dennis Waskiewicz. I originally called him just to inquire about the possibility of re-financing my home through your organization as I was conducting a bit of research on-line. Keep in mind I have been getting your mail flyer’s for months, but when I talked to him on the phone I realized what a total pro he was, and that I wanted him involved in the process of refinancing my home. Dennis was completely knowledgeable about the process, extremely helpful, and always available to answer questions.BEN T., SMSGT, CA ANG., JUNE 2013
Thank you with the help in processing my VA IRRRL refinancing. It was a pleasure working with you. I am appreciative of your willingness to work with me on some of the financial points and your ability to process this quickly – much more quickly than my current bank.”STEVE T., MAY 2013
Good Afternoon Mr. Maykrantz,
I just wanted to thank you again for your professionalism and patience in handling our refinance application. Most of all, thank you for educating us on the HUD-1 statement. I’ve been so busy this week that I didn’t have the opportunity to call you. My husband mentioned that he spoke to you after the closing. We’re very satisfied customers and we’ll definitely recommend your services to our friends and co-workers. Thank you for the card as well. Have a memorable weekend!LINDA H., MAY 2013
I am writing this letter to thank you for the excellent and very attentive service of your loan officer, Mr. Dennis Waskiewicz. Dennis answered all questions and was completely honest in the numbers he quoted and the time frame he would complete our loan. Just as he told me, he was available at any time, to answer even the smallest question.
Again, I wish to thank you for the outstanding, professional employee and representative of VA Mortgage.ANTHONY P., MAY 2013
We recently refinanced our home and I can honestly say this was an extremely positive-experience for us. Mr. Maykrantz was very professional and personable at the same time. His knowledge and patience are above and beyond what we expected and we are very grateful he was able to be our refinance officer. He answered all of our questions without hesitation and we strongly feel he is a huge asset to 1st Mariner Bank. Thanks again Mr. Maykrantz on a job well done!JACK & JEANNE P., APRIL 2013
In mid-March, I contacted 1st Mariner Bank for follow-up information on a refinancing option for my primary residence. Needless to say, I had been bombarded over the past months with refinance offers from other banks and financial institutions. Although I certainly had other options, I chose to do business with 1st Mariner for a very simple reason. Charles M. (or Charlie…as I would refer to someone who is a good friend) from the onset took genuine care and patience with his new customer. He made this entire process easy, efficient, and most importantly, effective.
His information and assistance were unparalleled. I did not expect the level of personal care and support since my prior experiences with most other lending institutions could not be characterized as “personal” and “caring”. Please convey to Mr. M my sincerest gratitude for his help. I had learned earlier from a family member that VA Mortgage had ‘good people’ on its team. And you do!!!DAVID H. JR., APRIL 2013
Just a note to pass on how easy my transaction was through Charlie Maykrantz. I have owned and refinanced homes before, and this experience was the best. Job well done!WILLIAM G., APRIL 2013
Dennis thank you. Everything went very well and I am very satisfied with the process. Couldn’t have been any easier from my stand-point. From start to finish you were very professional and clear about what was going to happen. Please send me some cards as I would be glad to recommend you.MICHAEL C., APRIL 2013
Thank you so much for your help as this process was so much easier than I expected and you were a true professional. On behalf of my family thank you for helping us secure a great rate, which of course is great news for our financial future.CHRIS & IVY H., APRIL 2013
Thank you for the note, and thank you for all of your assistance through the re-fi process. We were skeptical at the beginning of the process because, as everyone in America is familiar, we receive many calls and many emails with offers that sometimes sound too good to be true(and typically are). But you were different for sure. You present yourself very well over the phone, you were very too the point, very professional, always on time, and not only delivered exactly what you originally promised, but I truly feel that you under promised and over delivered!ROBERT P., APRIL 2013
I just completed my VA Refinance with 1st Mariner Bank working with Dennis Waskiewicz. I have work in many areas of the business world and Dennis ended up making what can be a very trying experience, when refinancing a home loan, an absolute pleasure. He was very professional, yet still doing up beat with a good sense of humor, and it showed he knew his profession and did it excellently. It was totally stress-free and executed flawlessly.
I will without any hesitation recommend Dennis and VA Mortgage to my friends and family should they be looking to do any refinancing. Dennis is truly an asset for you and VA Mortgage.KEN H., MARCH 2013
As I have already written to you, I would estimate I have done approximately 25 personal loan transactions. Thus I have a relatively experienced perspective. You have been, by far, one of the most attentive, efficient, and communicative officers I have ever worked with. It has been a pleasure working with you.GREG M., MARCH 2013
Everything went really well and [the notary] was really good to work with. I can’t thank you enough for all you put into this for us. I really appreciate you and will refer people your way. Funny, it feels as if I know you. It has been great to work with you, your professionalism and friendliness makes for a unique and wonderful experience. Thank you again.RHONDA L., FEBRUARY 2013
I want to thank you for everything you did to make our refinance so easy. You did a wonderful job and we really appreciate it. I will definitely recommend you to anyone looking to refinance.CHARLENE P., JANUARY 2013
So far I have to say, you have been extremely helpful and very professional. When I was still working as a Systems Accountant, I had dealt with many in the finance field and other Accountants, and you my friend rate among the top for those in your field. I truly appreciated working with you. When you get time, please let me know, as Paul Harvey did, and now you know the rest of the story.WAYNE D., DECEMBER 2012
My wife and I recently refinanced our home mortgage with VA Mortgage/ 1st Mariner Bank. I wanted to contact you in regards to one of your employees, Charlie Maykrantz.
I called your bank a few weeks ago to inquire about refinancing our current mortgage.
Mr. Maykrantz happened to answer the phone. While I was calling to simply inquire about what your bank could offer, I left that conversation knowing that we would move forward with VA Mortgage/1st Mariner Bank. Mr. Maykrantz was extremely knowledgeable and accommodating. He welcomed all of my concerns and patiently answered all of my questions. We were further impressed with Mr. Maykrantz when, to our surprise, he called us on several occasions during the course of refinancing. He checked in with us regularly to assure that everything was going well and as planned. He even called to confirm that our notary showed up as scheduled to sign the final documents. You cannot know the appreciation we have for an employee that shows what we feel to be honest concern about our needs and satisfaction during this process.
After dealing with our previous lender, it was a pleasure to work with. Mr. Maykrantz. He was courteous and helpful and went above and beyond our expectations. It is because of Mr. Maykrantz’s outstanding customer service and care that we chose your bank. As a result of our experience with Mr. Maykrantz, we have referred several friends to VA Mortgage (one is currently closing on his refinance). We felt it only right that Mr. Maykrantz be recognized for his excellent service. I do hope he will get the recognition he clearly deserves, as this level of customer service .CHARLIE C., FEBRUARY 2012
Thanks again for all your help getting us this re-fi. The lower rate will really help us out with our monthly budget and finances.KARL J., JANUARY 2013
My husband and I had the pleasure of working with Charlie Maykrantz during our streamline refinancing. He is rather quite amazing and was by far one of the most pleasant fellows we have ever done business with. His professionalism and the desire to do “a job well done” served us well. He made our refinancing experience easier than buying a car!
We thank your company for caring about our service to our country and we want you to know we thank Charlie most of all. He really made us feel like human beings that mattered, can’t ever beat that these days. He has our loyalty and we will be spreading the word of 1st Mariner Bank to everyone we talk to because of him.BRAD & SANDY W., OCTOBER 2012
Thank you very much for helping us to refinance our home. I had started this process with a few other vendors before and for some reason they all didn’t happen, mostly because their process was flawed or I just didn’t have a good feeling about their program. When you kept calling and checking to see if you were still in the game for my business I was impressed because you kept making the offers and opportunities better each time and you are very easy to talk to and I felt that you had my interest at hand. Thanks again for the educational process and the savings that I now have each month.MARK W., SEPTEMBER 2012
Just wanted to take a moment to thank you for the professional and expeditious manner with which you processed our VA refinance! Normally such transactions can be very stressful and of late the criterion for qualification changes by the minute making closing these deals complicated and time-consuming. It was so refreshing to have been presented with a clear cut list of qualifying factors that were adhered to, a realistic timeline and NO detours or U-turns. Thank you again for making this a pleasurable transaction and for getting the job done quickly and without ado… we have and will continue to recommend you and your company to our friends and colleaguesDENNIS & KARI T., APRIL 2012
Everything went great today. The closing took about half an hour and there were no problems at all. It was a pleasure working with you and I will surely refer all my veteran friends your way when they are in need of a VA mortgage. I told the closing attorney to do the same.CORT B., AUGUST 2012
* In order to get a free appraisal, qualified applicants must have their approved loan close with
VAMortgage.com and the cost of the appraisal will be deducted at settlement from closing costs.