I used to be in the mortgage business for years, so I’m pretty hard to satisfy. All the brokers will have comparable rates, and there is 100% chance the loan will be sold to a large mortgage company, no matter which broker you go with. The most important qualities to look for are efficiency, thoroughness, and responsiveness. I know a broker who is by far the best I have ever worked with. If you’d like his contact info, let me know.

I think two of them have to be Wells Fargo and Fannie Mae

Healthy neighborhoods uses m&t bank and they'll do 1% below the average

I wouldn't make that neighborhood my first apartment in Baltimore depending on where you're moving from and what you're used to

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Not sure who the big 3 are. The largest services for today's loans are Rocket, UWM, and Pennymac and Pennymac is the only one that buys loans from others. I could go on, but some local companies service loans, most do not. You have to be approved and setup to retain the servicing on the loan. Most lenders have no intention of servicing the loan, and it is setup to be transferred well before a few months, and even sometimes they transfer the loan to a company that doesn't intend to service the loan long term.

First Home is also Baltimore based.

Not necessary. Plenty of places and ways to bury that shit

A friend of mine lived here and loved it, the apartments are gorgeous!

https://pmcpropertygroup.com/properties/lenore

I GO TO BALTIMIRE FOR THE SCQUEEGE

Seconding this - Michelle kicked ass. Super responsive and great at explaining things. Also great at Baltimore-specific stuff like ground rent (which some national lenders did not know how to handle).

They use Fiverr for designers but the CEO is friends with Mayor BMS so it wouldn't matter.

I heard you could still see the weiner hurricane at the Hippo before it closed.

I second MECU, very streamlined process.

Toys for Tots is one I've donated to. They don't have much overhead--the donations go to the recipients.

WomenHeart WomenHeart’s mission is to improve the lives of women with or at risk for heart disease, while fighting for equity in heart health.

Avoid Meridian, the people are great but the company they sell your mortgage is terrible. Within one year, they miss calculated my taxes, they charged them twice. I had to do their work by going on the Baltimore City website and see the correct taxes on my property. After that it took them 3 months to recalculate my monthly payments, and I am still fighting to get the over payment they automatically took.

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See if you qualify for a Credit Union like Pen Fed and then get something competitive like Rocket Mortgage and make them match Rocket. Get at-least 3 and make them fight for it.

Dude probably had a hard time in school lol.

jumping in on the hearing protection part of this--show her how to put in earplugs properly (roll, insert, wait for them to expand, then press them in to seat them fully!) and if she doesn't like the feeling of foam earplugs, grab a pair of over-ear muffs at a hardware store/home depot/etc!

also if you're at the aquarium, take her to see mr. trash wheel!

Yes. That is the edit in my post added about 12 hours ago and a minor detail people seem fixated on while it doesn’t really change the idea behind this post.

Rams Head is in Power Plant which has Security so you should be good. I have lived here nearly my whole life and have never had any problems going to shows downtown. If you are ubering directly to the hotel, even better. Little Italy is also pretty safe.

I think the point is that they might as well put some effort into it and still make the click bait really good, not just throw together some shit and be happy someone followed to the site. Whether it really matters or not, it still makes a difference, and you might as well not suggest you don't give a shit. It should be a bit better than good enough if they really give a shit about projecting a good image of the city and aiding with tourism in Baltimore

That sounds like fun. Thanks!

Ummm 🤣

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