30 Year Fixed3.125%
INTEREST RATE 3.519%
ANNUAL PERCENTAGE RATE (APR) Last Updated: 05/27/16 11:23AM EST
5/1 VA Hybrid ARM2.75%
INTEREST RATE 2.871%
ANNUAL PERCENTAGE RATE (APR) Last Updated: 05/27/16 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
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 have closed two loans with Joe. One was a refinancing and the most recent one was a home purchase. With both loans, Joe was great to work with. He was always available to answer questions and on my most recent loan, he gave me great advice on how to best structure the loan in order to give me the most benefit. I have given his name to several of my friends, and I know at least two that have used him or are using him. They have thanked me many times for recommending Joe because of how knowledgeable Joe is and how stress-free he makes the process of getting a loan to closing.
I will definitely keep recommending him to anyone I know who is refinancing or buying a home. He's the best!JACOB J., JUNE 2015
I am writing today to express how pleased my husband and I were to work with 1st Mariner Bank in refinancing our income property. Specifically Jon Zemarel and Mary Beth Norwood. They were friendly, professional, and got us through the whole process in less than a month. They were both patient with our questions and quick to respond to e-mails and phone calls. I wish I could say that all of my dealings with mortgage handlers were as pleasant as it was with these two!
Thank you, Jon and Mary Beth for taking such good care of us.WHITNEY W., APRIL 2015
We just wanted to say thanks to you [Mary Beth Norwood] and the team at 1st Mariner for making our VA IRRRL go so smoothly. We had a difficult experience with another lender that left us a bit hesitant to pursue the refinance any further, but you quickly put us at ease. With a turn around of less than two weeks, we didn't even have time to worry!
So, again, thank you so much for showing us that there is someone out there willing to put the Veteran first in this process. You and 1st Mariner have helped us to have an easy, positive experience that will save us money and give us peace of mind as homeowners.
It's truly been a pleasure working with you.STEVE & JENNIFER A., APRIL 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
I recently refinanced a rental property for a lower mortgage rate. I had checked out several banks both online and through my financial institution. I filled out several inquiries and usually got bombarded with phone calls from overly aggressive loan officers, even though I specifically asked to be contacted via email. I received an email from Joe Scopel (1st Mariner Bank). He was very polite and courteous. Not pushy and aggressive. He asked what I would be interested in and we communicated via email. He happily informed me that I qualified for the interest rate reduction by almost 1%. After reading some of the reviews of 1st Mariner online, I was skeptical about going through with the process. Joe assured me that he had never experienced an upset customer and guaranteed that he would stand by me throughout the entire process.
I decided to go ahead with 1st Mariner. Joe was a tremendous help. He never missed an opportunity to contact me and make sure everything was going smoothly. It took me all of about 30 minutes (total) once the loan was approved. Joe arranged for a local notary to come to my house and sign the paperwork. He gave me all the necessary timelines and let me know every step of the process.
After the process was complete, Joe made sure I had all the necessary information to make my first payment. He still checks in about once a week just to make sure everything is good. As a representative of 1st Mariner Bank, Joe Scopel truly embodies the personal loan officer that everyone wishes for. He went above and beyond to make sure everything was done right. Additionally, he had NO aggressive behavior and took the time to fully explain every detail.
I appreciate 1st Mariner Bank and would HIGHLY recommend them for anyone doing a VA-refi!WILLIAM Z., MARCH 2015
Working with Joe on my recent mortgage refinance was a walk in the park. He made it stress-free and simple to understand. Joe helped me make a sound financial decision, and took the time to explain all options regarding interest rates and how each [rate] would effect the short and long term payments of my new loan. [I] waited a year looking at different banks and their options and Joe was the only one that did not try to sell me something. He listened and came up with a plan that fit my needs and budget. Thanks again, Joe, it was a pleasure doing business with you and 1st Mariner Bank.BOYCE F., DECEMBER 2014
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
It was a pleasure working with Dennis from the beginning to the end of the loan refinancing. [...] 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. [...] 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
[...] 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
* 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.