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Jeff Gunther is a loan officer at Primary Residential Mortgage in Baltimore, Maryland, specializing in home purchase, refinance, and investment property financing with NMLS certification.
Data compiled from public sources
Jeff Gunther operates as a mortgage loan officer at Primary Residential Mortgage, Inc. (PRMI), a company focused on residential home financing. He is based in Baltimore, Maryland, and holds NMLS certification (#191715), which is required for all mortgage loan originators in the United States. This certification indicates he has completed required training and background checks to originate mortgage loans.
Primary Residential Mortgage offers a range of mortgage products designed to serve different borrowing scenarios. According to their website, they provide loan options for first-time homebuyers, existing homeowners looking to refinance, and real estate investors purchasing additional properties. The company emphasizes personalized consultation, stating they will "discuss your unique goals and find the loan that's right for you." They provide tools like a mortgage calculator to help consumers estimate monthly payments and other loan costs.
Gunther's professional presence is built on direct client contact and consultation. He can be reached via phone (410-340-9787) and email (jeff.gunther@primeres.com), and his profile directs potential clients to apply online or learn more about specific loan options. The website emphasizes a consultative approach rather than a one-size-fits-all lending model, suggesting flexibility in loan structuring.
Limitations exist in the available information: the website pages containing more detailed information about Gunther's background, specific loan products, rates, and terms were blocked by Cloudflare security verification and could not be accessed. Therefore, specific details about loan programs (FHA, VA, conventional, jumbo, reverse mortgage options), interest rates, fees, and customer reviews are unavailable. The company appears to operate through a larger PRMI network, but Gunther's individual lending authority and specific geographic service area beyond Baltimore are unclear from accessible content.
This is state-level context for Mortgages & Home Loans consumers in Baltimore, MD. It does not confirm that Jeff Gunther or this specific location is licensed.
State regulator
Maryland Office of the Commissioner of Financial Regulation
Consumer protection
Maryland mortgages are subject to both state and federal regulations. Mortgage lenders must be licensed with the Office of the Commissioner of Financial Regulation. Foreclosures in Maryland are judicial (non-judicial foreclosure not permitted), providing additional borrower protections. Borrowers have the right to cure defaults and redeem property in certain circumstances. The Maryland Residential Mortgage Loan Originator Act (Md. Code Ann., Com. § 11-601 et seq.) governs mortgage licensing and practices. High-cost mortgage (subprime) loans have additional restrictions and disclosures.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Jeff Gunther offers 8 services including Mortgage origination and loan processing, Home purchase financing, Refinancing for existing mortgages, Investment property financing, Mortgage payment and cost calculator, and 3 more.
Jeff Gunther has profile signals associated with Baltimore-area homebuyers seeking personalized mortgage consultation, Existing homeowners interested in refinancing with a local loan officer, Real estate investors looking for investment property financing, First-time home buyers who prefer direct contact with a loan officer.
Key strengths: NMLS licensed loan officer (#191715) with verified credentials; Offers multiple loan options for different scenarios (first-time buyers, refinance, investment properties); Provides mortgage calculator tool for payment estimation and budget planning. Areas to consider: Limited publicly available information about specific loan products, rates, and terms on accessible pages; No customer reviews or testimonials visible on the provided website content.
In the Mortgages & Home Loans category, comparable providers include Annapolis First Mortgage LLC, Best Loan Choice, Federal Hill Mortgage. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Jeff Gunther is best suited for Baltimore-area consumers seeking a direct relationship with a licensed mortgage loan officer who can discuss personalized financing options. The primary caveat is that limited publicly accessible information prevents assessment of rate claims to verify, specific loan programs, fees, and customer satisfaction—making independent rate shopping and comparison with other lenders essential before committing.
Annapolis First Mortgage LLC is a Maryland-based mortgage lender offering home purchase, refinance, and real estate services with a focus on local market experience context.
Profile signals: Maryland borrowers seeking personalized service and local market experience context for home purchases or refinances, Homebuyers and refinancers who prefer relationship-based lending and direct contact with a named loan officer
Maryland-based mortgage lender offering home purchase and refinance loans across the Mid-Atlantic. Founded in 2014, they use wholesale rate shopping and a consultative approach to compare rate claims to verify.
Profile signals: First-time homebuyers seeking down payment assistance programs and guidance context through the mortgage process, Self-employed borrowers and real estate investors needing non-traditional loan structures
Federal Hill Mortgage is a Maryland-based mortgage lender specializing in conventional, FHA, VA, USDA, jumbo, and investor loans, led by state-ranked loan officer Tammy Saul.
Profile signals: Self-employed borrowers and business owners seeking creative financing solutions, Borrowers already under contract wanting to switch lenders for better rates or terms
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
An interest rate that stays the same for the entire life of the loan. Your monthly payment never changes.
Fixed rates protect you from market changes. If rates go up, your payment stays the same. The tradeoff: fixed rates are usually slightly higher than starting variable rates.
Example
You get a 30-year mortgage at 6.5% fixed. Whether rates rise to 9% or drop to 4% over the next 30 years, your payment stays at $1,264/month on a $200,000 loan.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
An interest rate that can go up or down over time, usually tied to a benchmark like the prime rate. Your monthly payment changes when the rate changes.
Variable rates often start lower than fixed rates to attract borrowers, but they can increase significantly. Many people who got hurt in the 2008 crisis had adjustable-rate mortgages.
Example
You start with a 5/1 ARM mortgage at 5.5%. For the first 5 years you pay $1,136/month on $200,000. Then the rate adjusts to 7.5%, and your payment jumps to $1,398/month.
The process of paying off a loan through regular payments that cover both principal and interest. Early payments are mostly interest; later payments are mostly principal.
Understanding amortization explains why paying extra early in a loan saves the most money — you're reducing the principal that interest is calculated on.
Example
Month 1 of a $200,000 mortgage at 6%: your $1,199 payment splits as $1,000 interest + $199 principal. By month 300: only $47 goes to interest and $1,152 goes to principal.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A fee some lenders charge if you pay off your loan early. The lender loses the interest they expected to earn, so they penalize you for leaving early.
Always ask about prepayment penalties before signing. They can trap you in a high-rate loan even if you find a better deal to refinance into.
Example
Your mortgage has a 2% prepayment penalty for the first 3 years. If you refinance after year 2 on a $200,000 balance, you'd owe a $4,000 penalty fee.
Replacing your current loan with a new one, usually at a lower interest rate or with different terms. The new loan pays off the old one.
Refinancing can save thousands if rates drop or your credit improves. But watch for fees — a $3,000 refinancing cost needs to be offset by monthly savings.
Example
You have a $180,000 mortgage at 7.5% ($1,259/month). You refinance to 6% ($1,079/month), saving $180/month. With $3,000 in closing costs, you break even in 17 months.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
The fees paid when finalizing a home purchase or refinance — typically 2-5% of the loan amount. They include appraisal, title insurance, attorney fees, and lender fees.
Closing costs can add $6,000-$15,000 to a home purchase that buyers don't always budget for. Some can be negotiated or rolled into the loan.
Example
You buy a $300,000 home. Closing costs at 3% = $9,000. That includes: appraisal $500, title insurance $1,500, attorney $800, origination fee $3,000, taxes/escrow $3,200.
Upfront fees you pay to the lender at closing to buy a lower interest rate. One point = 1% of the loan amount and typically reduces your rate by 0.25%.
Points make sense if you plan to stay in the home long enough for the monthly savings to exceed the upfront cost. That breakeven point is usually 4-6 years.
Example
On a $250,000 mortgage at 6.5%: you pay 1 point ($2,500) to get 6.25%. Monthly payment drops from $1,580 to $1,539 — saving $41/month. Breakeven in 61 months (5 years).
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
An account managed by your mortgage lender that holds money for property taxes and homeowners insurance. A portion of each mortgage payment goes into escrow, and the lender pays these bills for you.
Escrow ensures taxes and insurance are always paid on time (protecting the lender's investment). Your monthly payment may go up if taxes or insurance increase.
Example
Your mortgage payment is $1,400: $1,050 principal+interest + $250 property taxes + $100 insurance. The $350 for taxes/insurance goes into escrow. The lender pays your tax bill in December from escrow.
A government-insured mortgage that allows lower down payments (as low as 3.5%) and lower credit score requirements (580+). The FHA insures the loan, reducing risk for lenders.
FHA loans make homeownership accessible for first-time buyers and those with imperfect credit. The tradeoff: borrowers are required to pay Mortgage Insurance Premium (MIP) for the life of the loan.
Example
You have a 620 credit score and $10,500 saved. On a $300,000 home: FHA lets you put 3.5% down ($10,500) vs. conventional requiring 5-20% down ($15,000-$60,000).
The ratio of your loan amount to the property's appraised value, expressed as a percentage. It tells the lender how much of the home's value they're financing.
LTV above 80% usually requires Private Mortgage Insurance (PMI), which adds $100-300/month. Lower LTV can mean lower lender risk and different rate context.
Example
Home value: $300,000. Down payment: $60,000. Loan: $240,000. LTV = 80%. You avoid PMI. If you only put $30,000 down (90% LTV), you'd pay PMI until you reach 80%.
Replacing your current mortgage with a new one, usually to get a lower rate, change the loan term, or pull cash out of your home equity.
A 1% rate reduction on a $250,000 mortgage saves ~$150/month ($54,000 over 30 years). But closing costs of 2-5% mean it can be useful to stay long enough to break even.
Example
You have a $300,000 mortgage at 7.5% ($2,098/month). Rates drop to 6%. Refinancing costs $8,000 in closing. New payment: $1,799/month. Monthly savings: $299. Breakeven: 27 months.
Insurance that protects the LENDER (not you) if you default on a mortgage with less than 20% down payment. You pay the premium, but it only covers the lender's loss.
PMI typically costs 0.5-1.5% of the loan per year and adds nothing to your equity. Once you reach 20% equity, you can request it be removed.
Example
On a $250,000 loan with 10% down, PMI at 0.8% = $2,000/year ($167/month). After 5 years, your home's value rises and your equity reaches 20%. You request PMI removal and save $167/month.
A mortgage backed by the Department of Veterans Affairs for eligible military members, veterans, and surviving spouses. Key benefits: no down payment required and no PMI.
VA loans are among the mortgage options with notable listed benefits — 0% down, no PMI, and rate claims to verify. They're earned through military service and can be used multiple times.
Example
A veteran buys a $350,000 home with a VA loan: $0 down, no PMI, 5.8% rate ($2,054/month). A comparable conventional loan with 5% down would require $17,500 down plus $175/month PMI.
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