I’m Rick Metzgar

President and Principal Mortgage Broker

Personal NMLS ID: 401823


Helping You Forge Your Financial Future

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

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.


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.

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. 


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.

Barbara Zais

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!

H Davis

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!!!

James Foster

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Copyright © 2023 Rock Spring Financial. LLC

MD Lender License 2043835

Corporate NMLS ID: 2043835 |

2021 A Emmorton Rd #224, Bel Air, MD 21015
(443) 801-6389