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    Envoy Mortgage - Annapolis

    5.0 (1 review)
    Open 9:00 am - 5:00 pm

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    7 years ago

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    Bay Capital Mortgage - Paulette & Lew enjoying the next chapter in their lives!

    Bay Capital Mortgage

    (5 reviews)

    I would highly recommend Pat Jenkins, the senior loan officer. She was nothing but kind and very…read morehelpful with our loan process of our new home we just purchased. She was always available for any questions. We even reached out to her over the weekends. She was always very responsive. She always kept a positive attitude, and it was such a pleasure to do business with her! We, of course, were approved of our loan. I am glad we chose this mortgage company and would recommend it to my friends who may be interested in purchasing a new home. Thank you, Pat, for helping this process run smoothly.

    We can't say enough about Bill Jeffreys and his Team at Bay Capital Mortgage and their attention to…read moredetail and quick response to all our needs. Bill responded immediately to our inquiry about a possible mortgage with him; he quickly worked up a loan estimate that included the estimated escrow and estimated taxes, insurance and assessments. He was very accurate in estimating the loan costs. He then offered, without our asking, an alternate estimate based on a higher down payment that eliminated the need for "PMI" Mortgage Insurance. PMI is not a benefit to the homeowner so its elimination was appreciated. During the closing process his Team helped us coordinate all the documents that were needed, and the final process wrapped up without a hitch which was super important to us as we were moving from NH to Maryland and were in transit during those final hours and they were in touch with us every step of the way. Bill also followed up this week, one month after our closing, with an application form for a Homestead Tax Credit, and even included a stamped return envelope for us to get that into the mail quickly. We will definitely recommend Bill over and over again.

    Universal Mortgage & Finance - Ron Taylor, CEO of Universal Mortgage & Finance, Inc. (center). Barry Habib, CEO of MBS Highway (right) with his son Dan Habib (left).

    Universal Mortgage & Finance

    (1 review)

    If you want to have your real estate sales experience ruined, go with a buyer using Universal…read moreMortgage and Finance, Inc. out of Edgewater, MD. We waited on loan processing for two months, delaying my sale multiple times. A manager had to eventually take over the loan but he really couldn't give a damn that everyone in chain was affected. BE CAREFUL IF YOU ARE DEALING WITH THIS LENDER ON ANYTHING!

    From the owner: Who we are... Universal Mortgage & Finance, Inc. is a direct…read morelending institution that prides itself on always putting the borrower's needs first and building long lasting relationships in the communities we serve. For two decades we have successfully serviced the needs of those refinancing, new home buyers, real estate professionals and builders. Universal Mortgage & Finance, Inc. works with Tier One investors and offers a full range of programs to satisfy a variety of residential loan needs. To ensure quick turn times, quality and efficiency Universal Mortgage & Finance, Inc. is suitably equipped with In-House Processing, Underwriting, Closing, Funding and Appraisal Order Management. Who we serve... Whether for a first-time home buyer, a growing family or an established homeowner looking for an investment or vacation property, Universal Mortgage & Finance, Inc. offers a wide range of financing options to meet home buyer needs. Our experienced and knowledgeable loan officers will review each home buyer's personal financial position and help them decide the best solutions. Whether you are a client or partner of Universal Mortgage & Finance, Inc., expect superior customer service and an excellent support system. Universal Mortgage & Finance, Inc. offers exceptional mortgage services online that gives the borrower the ability to electronically track their loans from start to finish. NMLS # 118030

    Envoy Mortgage - Annapolis - mortgagebrokers - Updated May 2026

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