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Mortgage Counseling

Wilma values full service lenders, and over the years she has recommended and seen consistently excellent service from the following three lenders:

Ruth Swartz
C&F Mortgage Corporation
705 Melvin Avenue (Suite 102)
Annapolis, MD 21401
410-263-9229 ext. 102 or (888) 244-8934 ext. 103

Ruth Swartz, of C&F Mortgage Corp., has been a mortgage professional for the past 20 years but has "worn many hats" in the real estate industry as a realtor, builder and title company professional for the past 30 years. She is a straightforward and honest person who will take the time to explain your different options while always considering your best interests. C&F Mortgage is a subsidiary of C&F Bank based in Richmond, VA. C&F Bank was established in 1927 and remains a very strong community bank today. C&F Mortgage has 21 branch offices throughout North Carolina, Virginia, Delaware and Maryland. Whether you're looking to buy, build or refinance, please give Ruth a call at (410) 263-9229, ext. 103 or email her at rswartz@cfmortgagecorp.com


Rob Schurr
First Home Mortgage
900 Bestgate Road, Suite 206
Annapolis, MD 21401
410-571-2020 ext. 2121 (office) 410-703-2651 (cell)

Rob Schurr is a Vice President and Branch Manager for First Home Mortgage, a locally owned and operated direct lending company. He has been in the mortgage lending business for 25 years and closed over $600 million in loans and helped hundreds of people realize their financial dreams.  He starts with the end in mind, to find out the needs of his clients and then tailors a program to meet those needs. He has one of the most extensive lines of mortgage programs in the State of Maryland and will be upfront and straightforward with which programs truly meet your needs. From VA, FHA and conventional to self employed, and construction loans, he is ready to explain them in full Call Rob for a free review of your credit scores and qualifying options.


Ed Cremmins
Prosperity Mortgage
102 Old Solomons Island Road
Annapolis, MD 21401
C - 443-510-4247  O - 410-224-0757


Ed Cremmins is a Home Mortgage Consultant with Prosperity Mortgage, a joint venture with Wells Fargo. Ed has helped thousands of clients over the years by helping them with their mortgage financing. Whether they are buying a home for the first time, buying second homes or investment properties, or refinancing their current mortgage to match their current needs, Ed has delivered the most optimum mortgage solution coupled with world class service to create a positive experience for his clients. Ed then follows the transaction up with his customer for life program by staying in touch in various ways to guarantee his clients' needs are always met and current with market conditions. Ed also serves as Wilma Richards' in-house lender and is always present in the office to create a one-two punch partnership to best serve her homebuyers' needs. To schedule a complimentary meeting, please feel free to contact Ed. He will be happy to help you. 



Email: Wilma.Richards@longandfoster.com
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