Purchasing a Home

Helping you afford the home of your dreams

Let Us Help You Find a Loan

When you start looking into the different types of loans available to you as a prospective homeowner, the options can be overwhelming and confusing. How do you know that you’re getting the most affordable option to secure your financial future?

At Rock Spring we apply our decades of experience and eliminate the confusion. You get a trusted partner to guide you step by step through the complex choices and applications, ensuring that you can find – and afford – the home of your dreams.

Loan Types Available

Conventional Loan

Conventional loans are mortgages not supported by any government agency. They are usually offered through a private financial entity like a bank, credit union, or mortgage company.

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.

VA Loans

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.

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.

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.

My Approach

I put my commitment into every deal at Rock Spring Financial. This means that I will act as a Steward of your money by being your Advocate in what may be the most significant financial decision of your life.

My Team will ensure we are available when you need us and act quickly to provide answers to your important questions. This is why I give you direct contact to me throughout this process. That personal touch sets our firm apart from the rest.

You always can count on us to deliver – simply give me a call.

Rick Metzgar

Don't Wait Any Longer.
Secure Your Financial Future Today!

Rock Spring proudly supports local community organizations

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