Apply Now | Online Mortgage Application | Pre Approval VA, MD, DC

Apply Now

  • Licensed in VA, MD & DC
  • Broker-owned since 1996
  • NMLS 180004

Questions before you start? Call 703-799-5626

No credit pull to start About 10 minutes Save & finish later

Get pre-approved in Virginia, Maryland or DC.Start your application right now.

For buyers and homeowners who want a real pre-approval letter and a straight answer on rate and payment, not another lead form that disappears into a call center.

  • One secure application handles pre-qualification, full pre-approval, and document upload.
  • Kevin Retcher reviews it personally. The broker-owner works your file, not a rotating queue of assistants.
  • Wholesale broker pricing shopped across multiple lenders on the same file.

Powered by Blink, the secure digital mortgage platform provided through our national wholesale lending partners. Your information is encrypted end to end.

1996

Broker-owned since

3

States licensed: VA · MD · DC

Top 1%

National top producer

~10 min

To finish the application

How it works

Three steps from here to a pre-approval letter in your hand

No guessing about what happens next. This is the exact sequence, and Kevin is the one who calls you.

Complete the secure application

Answer plain-English questions about the property, your income, and your goal. Stop any time. Your progress saves and you get a link to pick up where you left off.

About 10 minutes

Upload documents in the same portal

30 days of pay stubs, 60 days of bank statements, two years of W-2s, and mortgage, tax, insurance and HOA statements on any property you own. Photograph them with your phone and they go straight into the encrypted lender portal. No email attachments, no fax.

Same day

Get your numbers and your letter

Kevin reviews the file, shops it across wholesale lenders, and calls you with real rate, payment, and cash-to-close figures, plus a pre-approval letter your agent can submit with an offer.

Usually within 24 hours

Why apply here

One secure application covers every step

Pre-qualify, get fully pre-approved, make formal application, or upload documents. It’s all the same secure file.

Bank-level security

Encrypted end to end inside the lender’s portal. Nothing sensitive travels by email.

Save and resume

Get interrupted, come back tonight. Your answers are still there, nothing to redo.

Upload from your phone

Photograph a pay stub and it’s filed. This is the only path with document upload built in.

A letter agents trust

A real underwritten pre-approval from a licensed broker, the kind listing agents take seriously.

Before you click

Have these handy, but don’t wait for them

You can start with nothing but your name. This is the standard document list every lender will ask for, so gathering it now is what gets you to a real approval fastest.

  • Pay stubs covering the last 30 daysEvery stub in that window, for each borrower on the loan.
  • Bank statements for the last 60 daysAll pages of every account you’re using for down payment or reserves, including the pages that look blank.
  • W-2s from the last two yearsOne set per borrower, from every employer.
  • Mortgage statements on every property you ownPlus the HOA or condo dues, homeowners insurance policy, and property tax bill for each one.
  • Veterans: DD-214 or Certificate of EligibilityDon’t have it? Kevin can pull your COE for you.
  • Self-employed or own rental property?Expect a few extra items, usually two years of returns, K-1s or a P&L, and leases on any rentals. Kevin will tell you exactly which ones apply to you.

Start here

Your secure First Meridian application

Opens the Blink digital mortgage application registered to First Meridian Mortgage Corporation. Create a login, answer the questions, upload documents, and submit. It all happens in one place.

Start My Secure Application
Encrypted · No credit pull to begin · Free

Already started? Log back in to finish or upload documents.

Programs on this application

One form covers purchase and refinance

First Meridian is a broker, so one application gets shopped across many wholesale lenders instead of one bank’s rate sheet.

VA loans & VA IRRRL

$0 down purchases and streamline refinances. Veteran-owned, and Kevin pulls your COE.

FHA loans

Lower down payment and flexible credit guidelines for first-time and repeat buyers.

Conventional & jumbo

Conforming and high-balance financing for Northern Virginia and DC-area price points.

No closing cost refinance

A First Meridian signature since 1996. Lower your rate without adding it to your balance.

Adjustable rate mortgages

Lower fixed period pricing when you don’t plan to hold the loan for thirty years.

Lender-credit purchases

Structures that put lender credit toward your closing costs instead of your cash.

Straight answers

Questions people ask before they hit start

Does starting the application pull my credit?

No. You can complete and submit the application without a credit pull. Credit is only pulled when you authorize it, and that step is required before a formal pre-approval letter can be issued.

Can I use this just to get pre-qualified, without committing to a loan?

Yes. The same secure application is used to get pre-qualified, to get fully pre-approved, or to make formal application. Starting it does not obligate you to take a loan, and there is no cost.

What if I have to stop halfway through?

Your progress is saved to your login. Come back on any device and continue where you stopped. You never have to re-enter answers.

How do I upload documents?

Document upload lives inside the application portal, so you’ll need to create your login and complete the online application first. After that you can photograph or upload pay stubs, statements, and VA paperwork directly from your phone or computer.

Which states can First Meridian lend in?

First Meridian Mortgage Corporation is licensed in Virginia, Maryland, and the District of Columbia. If your property is elsewhere, call 703-799-5626 and Kevin will point you to a licensed broker in that state.

How fast will someone contact me?

Kevin reviews submitted applications personally, typically the same business day and generally within 24 hours. If you need something faster, call or text 703-799-5626 after you submit.

Who is Blink and why am I leaving firstmeridianmortgage.com?

Blink is the secure digital mortgage application platform provided through First Meridian’s national wholesale lending partners. The link opens the application registered specifically to First Meridian Mortgage Corporation, so your file routes directly to Kevin.

Ready when you are

Ten minutes now saves a week of back-and-forth later

Rates move daily. The sooner your file is in, the sooner Kevin can shop it and lock the best structure available for your situation.

Start My Secure Application

Prefer a human first? Call or text Kevin at 703-799-5626 or email kevin@firstmeridianmortgage.com.