I’m Rick Metzgar
President and Principal Mortgage Broker
Personal NMLS ID: 401823
ROCK SPRING FINANCIAL GROUP
Helping You Forge Your Financial Future
One of the biggest decisions that someone will ever make will come when they purchase a home. While there are a lot of long-term benefits that can come with buying a home, there are still a lot of choices to make, including selecting your mortgage. If you are shopping for a mortgage in the Bel Air, MD area, it would be wise to speak with a mortgage specialist such as Rock Spring Financial Group, LLC. Various benefits come when you work with this company for your mortgage needs.
Decades of Experience
Business is about Relationships. Finding the Your Best Solution is Our Commitment.
Purchase a Home
Get a personal guide through the financial hurdles of your next home purchase
Refinance a Home
We’ll find the best ways to help you save on your existing home mortgage
Mortgage Calculator
Rock Spring Financial provides our clients with the state-of-the-art tools to calculate and analyze financial products
Loan Options
We’ll guide you through Fixed Rate, ARM, FHA, VA, and other common types of loans
Access to Various Lending Products
When you are looking for a home loan in the Bel Air, MD area, one of the benefits of calling Rock Spring Financial Group, LLC is that they have access to many different types of mortgages. This mortgage broker has helped many clients get into all types of home loans. This includes fixed-rate mortgages, adjustable-rate mortgages, VA and FHA loans, and even reverse mortgages. This ensures you can find a type of loan that is right for your situation.
Support Getting the Best Rate
The team with Rock Spring Financial Group, LLC prides itself on helping customers get the best mortgage and cost structure possible. When it comes to mortgages, even a slight drop in the interest rate can save you tens of thousands of dollars over the course of the loan. If you take out a mortgage from a bank, you might not have much rate flexibility. However, Rock Spring Financial Group, LLC will shop around with different banks to help you find the best rate available. This can help you save a considerable amount of money over the years.
What Rock Spring Does for You
Our team is your team. We are your advocates to find the best mortgage loan options and provide you with personalized service unmatched by the competition.
The Rock Spring Difference
We pride ourselves on providing one-on-one relationships backed by a team of professionals. You have our commitment to live interactions and a partner dedicated to your service.
What are my mortgage options?
Rock Spring will guide you through each step of applying and completing the process for any type of mortgage you’re considering, from purchasing your first home to a reverse mortgage to provide for your retirement.
Fixed Mortgage
With the security of consistent monthly payments, fixed rate loans are the most popular option for those looking to purchase or refinance a home. Programs ranging from 10 to 30 years are offered for fixed rate mortgages.
Adjustable Rate Mortgage (ARM):
An adjustable rate mortgage (ARM) can significantly lower your payment with interest rates changing at a predetermined frequency. If you view your property as a short term stay, or anticipate a substantial increase in your income/property value in the next few years—an ARM may work best for you.
FHA Loan
If you’re searching for alternatives to conventional financing, the US Government insures Federal Housing Administration (FHA) loans. FHA loans include insurance premiums but provide flexibility with financial requirements.
VA Loan
Veterans Affairs (VA) loans are exclusively available to veterans, members of the military, and surviving spouses of veterans. Without any down payment or insurance premiums required, veterans and military members can become homeowners with ease.
Refinances
Refinancing typically involves six simple steps—establishing your financial goals, speaking with a loan officer or applying online, choosing your loan program, submitting documents, processing, and closing.
Reverse Mortgages
Reverse mortgages are available for senior homeowners ages 62 and older. This option allows seniors to convert a portion of their home value into tax-free income.
Consultation
Ultimately, one of the best reasons to call the team with Rock Spring Financial Group, LLC for your mortgage needs is that you will receive top consultation. There are always a lot of big decisions to make when looking for a home loan, and having this company by your side can help. They will help explain your various options, answer all of your questions, and provide the support you need to select the right mortgage product for your situation.
If you are in the market for a new mortgage in the Bel Air, MD area, it would be wise to call the Rock Spring Financial Group, LLC team to start your search. This mortgage broker can help ensure that all of your questions are answered and that you get into a home loan that you can afford and is right for your situation.
About Me
Rick Metzgar comes to the industry with 18 years of experience. Starting out with his first job out of college, he worked his way through the sales ranks with MBNA America Bank where he learned the ropes of understanding credit and risk. This created an appetite for growth in the industry which opened up an opportunity to learn the mortgage business. Throughout his career, he has worked in various capacities within the mortgage banking industry. From the front-line sales to the back-line processing end, this has led him to open up Rock Spring Financial Group, LLC. Rock Spring is a local brokerage firm located in Bel Air, MD area. What he enjoys the most about the business is seeing the American dream true with homeownership. He is excited about being a part of the MMBBA and working together with the legislative group to make Maryland an even better place to live.
About Me
Rick Metzgar comes to the industry with 18 years of experience. Starting out with his first job out of college, he worked his way through the sales ranks with MBNA America Bank where he learned the ropes of understanding credit and risk. This created an appetite for growth in the industry which opened up an opportunity to learn the mortgage business. Throughout his career, he has worked in various capacities within the mortgage banking industry. From the front-line sales to the back-line processing end, this has led him to open up Rock Spring Financial Group, LLC. Rock Spring is a local brokerage firm located in Bel Air, MD area. What he enjoys the most about the business is seeing the American dream true with homeownership. He is excited about being a part of the MMBBA and working together with the legislative group to make Maryland an even better place to live.
Testimonials
“Rock Spring Financial Group made buying a home very easy. Rick is very friendly to deal with. He will make your home buying dreams come true.“
“Rick and the Rockspring Financial team are awesome to work with. They made our refinance process easy and worked hard to get us a great rate saving us a ton of money. I would highly recommend using them!“
“Mr Metzgar at Rockspring financial went above and beyond for my family. Working miracles when we thought purchasing the home my family has lived in for so many years prior was impossible. My family will forever be greatful for the extra effort he made to make our dream come true. Thank you again!!!“
Don't Wait Any Longer.
Secure Your Financial Future Today!
Rock Spring proudly supports local community organizations
MD Lender License 2043835
Corporate NMLS ID: 2043835 |
www.nmlsconsumeraccess.org
