Your MarylandMortgage Expert Since 1979
Helping Maryland families buy and renovate homes since 1979. Specializing in first-time buyers, 203K renovation loans for fixer-uppers, and fast closings under 30 days.
What My Clients Say
Real stories from real clients who trusted me with one of the biggest financial decisions of their lives.
Ida Allred
GoogleBob has always been great to work with. He did loan on my home and the sale went through with no issues. Bob has knowledge of all the financing programs. I would recommend him for his knowledge and prompt response.
Tiffany Dukes
GoogleBob was amazing with helping me purchase my first home. I was able to contact him at almost any hour to help. It was a lot of issues during my purchase that Bob was able to help navigate me through and out to ensure I closed on time. If I were to purchase again I would definitely use him. Great resource and fast responder.
Rootbeer Float
GoogleBob was fabulous to work with. He has been my go to loan person for more than 20+ years! He is patient, kind and extremely knowledgeable about ANYTHING to do with home loans, re-fi's etc! Thank you to Bob and his entire PRMG team!! :-)
Marty Kinder
GoogleBob Ramsey worked with my wife and I to refinance a mortgage loan. We couldn't have been more pleased with his work throughout the entire process. Bob's attention to detail, patience and communication working with us was by far the best experience we have had with a loan officer. I would recommend Bob to anyone looking for a mortgage loan.
Kristy League
GoogleI've been working with Bob since 2008. He has proved himself to be a highly professional, knowledgeable, and responsive loan officer. He patiently guides his clients through the home buying process and is always available to answer any questions. I highly recommend Robert Ramsey!
David Nowakowski
GoogleBob helped me purchase my 1st home back in 2020 and helped me every step of the way! He was always there to answer questions and helped guide me through my first home buying experience. I couldn't imagine going through it without Bob! I was very blessed to have Bob as my loan officer.
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Rate based on 30-year fixed conventional loan with 45-day lock period. Estimates are subject to final approval and may vary based on additional factors.
About Me
I have been a loan originator since 1979 and have assisted over 1,500 individuals and families purchase or refinance their homes. My specialty is first-time buyers and purchase + renovation loans for fixer-uppers and bank-owned properties.
With nearly five decades of experience in the mortgage industry, I bring unparalleled expertise to every transaction. Whether you're a first-time homebuyer, looking to renovate a fixer-upper, or refinancing your current home, I'm dedicated to making the process smooth and straightforward.
My background includes working with Bank of America Home Loans and National City Bank before joining PRMG, where I continue to provide exceptional service to Maryland families. I'm a University of Pittsburgh graduate and have built my career on patience, responsiveness, and genuine care for my clients' success.
46+ Years Experience
Nearly five decades of expertise helping Maryland families achieve homeownership since 1979.
1,500+ Families Helped
Trusted by over 1,500 individuals and families for purchase and refinance loans.
203K Renovation Specialist
Expert in purchase + renovation loans for fixer-uppers and bank-owned properties.
Fast Closings
Close most purchase loans in under 30 days with responsive, personalized service.
Loan Products & Services
With access to PRMG's comprehensive loan programs, I can help you find the perfect financing solution. Whether you're buying your first home, renovating a fixer-upper, or refinancing, we've got you covered.
Key Benefits
- ✓Down payment as low as 3% for first-time buyers
- ✓Lower interest rates for borrowers with good credit
- ✓No upfront mortgage insurance with 20% down
- ✓Available for primary residences, second homes, and investment properties
Ideal For
Borrowers with good credit, stable income, and at least 3% down payment. Perfect for primary residences, second homes, and investment properties.
Ready to Take the Next Step?
Whether you're buying your dream home or looking to save thousands through refinancing, I'll guide you through every step of the process.
Buying a Home
Get pre-approved fast and compete with confidence
Fast Approval
Why Work With Me?
- ✓First-time buyer programs with as little as 3% down
- ✓FHA 203K renovation loans for fixer-uppers
- ✓VA, USDA, Conventional, and Jumbo loans
- ✓Close most purchase loans in under 30 days
- ✓Direct access - call or text anytime
Refinancing
Lower your payment and save thousands
Should You Refinance?
- ✓Lower your interest rate and monthly payment
- ✓Cash-out options for home improvements or debt consolidation
- ✓Switch from ARM to fixed rate for stability
- ✓Streamlined process with 46+ years of experience
Mortgage Calculators
Make informed decisions with our powerful calculators. Estimate your monthly payments or discover how much home you can afford.
Calculate Your Payment
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Additional Monthly Costs
Not required when down payment is 20% or more
Payment Breakdown
PMI is automatically included in monthly payment when down payment is less than 20%. This is an estimate only. Actual rates and terms may vary.
Disclaimer: This calculator is for informational purposes only and does not constitute financial advice. PMI (Private Mortgage Insurance) is automatically included in calculations when the down payment is less than 20%. The estimates provided are based on the information you enter and may not reflect actual rates, terms, or costs. Consult with a licensed mortgage professional before making any financial decisions.
Let's Connect
Ready to start your home financing journey? Contact me today for a free consultation. Office hours: Monday-Friday, 8:00AM - 5:00PM.
Send Me a Message
Office Hours
Contact Information
Severna Park, MD 21146