Click for our summer company picnic group photo.  For photos of the hydroplane Sonic Speed which is sponsored in part by Consolidated Mortgage click the linked text, it may take a couple minutes for the page to load... 

We are a locally owned and operated Licensed Mortgage Lender / Broker with national access to some of the top mortgage wholesalers across the country that offer loan products that range from the "plain vanilla" Fannie Mae/  Freddie Mac purchase or refinance that requires good credit to the borrower who has fallen behind on their mortgage and needs our help.  That enables us to offer Maryland consumers a wide variety of loan products at very competitive prices, in the form of both first and second mortgages. 

If you are outside of Maryland, we recommend LowRateMortgages.com, a National Lender and Broker Super Site. 

We can and usually do beat any other offer that is available on the internet.  Unlike some internet mortgage companies, we DO NOT ask for credit card information and we DO NOT have an application fee.

Consolidated Mortgage is located in Stevensville, Maryland on  Kent Island (1st exit over or before the Bay Bridge). 

We service all of Maryland with special attention to Anne Arundel, Baltimore, Calvert, Carroll, Harford, Howard and Prince Georges counties; and of course, the entire Eastern Shore (Maryland).  Some on the western shore may consider us a little out of the way (we are less than 6 miles from Annapolis), but the possible savings at closing are certainly worth investigating.

We have loan representatives in many areas and can come to you for the loan application at a time that is convenient for you.  We also offer telephone applications and will mail applications if you prefer.  We can close your loan at a location that is close and convenient for you.  We have many different types of Loan Programs for borrowers with different types of credit histories and needs. 

We offer very competitive rates for all loan programs, you owe it to yourself to compare our rates and fees with the competition... 

Be sure to check our competitive rates. 

We will NEVER ask for personal or financial information over the Net, but if you want to e-mail a scenario, we will be happy to call or e-mail with our suggestions. 

You can reach us locally at 410-643-8757 or (toll free) 888-643-3659.  We offer free phone consultations and applications,  and second opinions.   We want your business, let us beat your current rate and (more importantly) point quote. 

Office hours are 9:00 to 5:00 Monday through Friday, evenings and weekends by appointment or by chance.

"Walk In's" are not encouraged, please call first for an appointment so we can schedule a time to meet with you.

Mention the internet for a special offer available only on the Net that will save you money at closing...