About Us

Who We Are
About Holland Capital Group, LLC

At Holland Capital Group, LLC in Millersville, we're not just mortgage professionals; we're your dedicated partners on your homeownership journey. With years of industry experience, our team of expert advisors understands that a mortgage isn't just a financial transaction; it's a pivotal step towards achieving your dreams. We take pride in our unwavering commitment to delivering excellence, transparency, and personalized support to every client.

As local experts in the MD real estate market, we bring a deep understanding of the unique dynamics at play in your community. Our mission is to empower you with the knowledge and mortgage solutions needed to make informed decisions. Whether you're a first-time buyer, looking to refinance, or exploring homeownership for the first time, Holland Capital Group, LLC is here to guide you every step of the way. Your aspirations are our top priority, and we're excited to be part of your journey towards homeownership.
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Meet Our Team
 

Staff Member

Steven H.

Mortgage Broker
Staff Member

Gina W.

Mortgage Broker
Staff Member

Edward K.

Mortgage Broker

Questions & Answers
Frequently Asked Questions
 


What is the difference between a mortgage lender and a mortgage broker?
A mortgage lender is a financial institution that directly provides home loans. A mortgage broker, on the other hand, acts as an intermediary between borrowers and multiple lenders, helping clients find the best mortgage terms and rates from a variety of lenders.
 

Why should I work with a mortgage broker instead of going directly to a lender?
Mortgage brokers offer several advantages, including access to a wide range of lenders and mortgage products, which can result in better loan terms and rates. They also provide personalized guidance, simplifying the complex mortgage process and saving you time and effort.
 

How do mortgage brokers get compensated?
Mortgage brokers are typically compensated through lender-paid commissions or borrower-paid fees, or a combination of both. These fees are disclosed upfront, ensuring transparency in the process. Brokers have a legal obligation to act in the best interests of their clients.
 

What factors affect mortgage eligibility and interest rates?
Mortgage eligibility and rates are influenced by factors such as credit score, income, employment history, debt-to-income ratio, down payment amount, and the type of mortgage product. Your mortgage broker will help you understand how these factors impact your specific situation.
 

How long does the mortgage approval process take?
The mortgage approval timeline can vary depending on factors like the complexity of the application, the lender's processing times, and the responsiveness of all parties involved. On average, the process typically takes 30 to 45 days from application to closing. Your mortgage broker will work to expedite the process whenever possible.
 

Talk to Our Mortgage Experts

Ready to make your homeownership dreams a reality? Contact Holland Capital Group, LLC today to schedule a free consultation.
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