Prefer to talk right now? Call 703-799-5626
Tell me what you are trying to do and I will tell you what it costs, what it takes, and whether the timing makes sense. Straight answers on purchase, refinance and VA loans in Virginia, Maryland and DC.
Two minutes now saves a week of guessing. Answer these and Kevin will come back with real numbers for your situation.
You will hear back within one business day, usually the same day. If you would rather not wait, put a time on the calendar or call the office directly.
Pick A Time NowPick the fastest lane
They all land in the same place, which is my desk. The only difference is how fast you get an answer.
Best when you have a live deal, a deadline, or a question that needs an answer in the next ten minutes.
Pick a slot on my calendar. Seven session types, including VA, no closing cost, refinance strategy and a loan estimate review.
Already decided and want the pre-approval letter? Skip the conversation and go straight to the secure application.
Book a free consultation
Every session below is free, held by phone or Zoom, and run by me personally. Choose the one that fits and grab a time on the calendar.
For buyers who want to understand the process, the real numbers, and what to line up before they start touring homes.
Free · 30 minutesHow a no closing cost loan actually works, when it saves you money, and when paying costs up front wins instead.
Free · 30 minutesPurchase or refinance using your VA benefit. Entitlement, the funding fee, zero down, and what your COE actually allows.
Free · 30 minutesWhether refinancing is the right move at all. We look at payment, principal, and what the change costs you over time.
Free · 30 minutesSend me the estimate you were handed and I will read it line by line so you know whether the deal is actually good.
Free · 30 minutesPrefer to see the numbers on screen with me? Same conversation, screen shared, from wherever you are sitting.
Free · 30 minutesWhat happens after you reach out
Here is exactly how it goes once your message lands.
Not an auto-responder. I read what you wrote and answer the question you actually asked, by whichever method you told me you prefer.
Goal, timeline, rough numbers. No credit pull, no application, no pressure. At the end you will know whether it is worth going further.
Payment, cash to close, rate options, and what each one costs over time. Yours to keep and compare against anyone else you talk to.
Why people call here first
One file shopped across multiple lenders instead of one bank quoting you its own rate sheet and calling it the market.
Marine veteran. Entitlement, funding fee exemptions, COE pulls and IRRRL math are everyday work here, not a rare exception.
Broker-owned since 1996 across Northern Virginia, Maryland and DC. I know which lenders actually close on a tight contract date.
I hold all three licenses, so the advice covers the whole cost of owning the home, not just the loan payment.
Come prepared, move faster
Have these handy and a pre-approval letter can usually be turned around the same day.
Self-employed, commissioned, retired, multiple properties, gift funds, a co-borrower in another state. The list changes with the situation. Ask me and I will tell you exactly what your file needs, nothing more.
Ask Me What I NeedFull document list is on the apply now page.
Before you reach out
Within one business day, and usually the same day. Kevin Retcher reads every submission from this page personally. If you need an answer faster than that, call 703-799-5626 or grab a slot on the calendar above.
No. Nothing on this page touches your credit. Credit is only pulled after you complete an application and give written authorization, which is required before a formal pre-approval letter can be issued.
It is free and there is no obligation. You can take the numbers I give you and shop them anywhere. Plenty of people talk to me, decide the timing is wrong, and come back a year later. That is fine.
First Meridian Mortgage Corporation is licensed in Virginia, Maryland and the District of Columbia. If your property is outside those three, say so in your message and I will point you to someone reputable.
No. Your information stays with First Meridian Mortgage and is used only to answer your inquiry. We do not sell leads. Details are in our Privacy Statement.
Yes, and that is one of the more useful things you can ask for. Book the Loan Estimate Review session, send the document over, and I will walk the fees, the rate, and the lender credit line by line so you can tell whether the offer is competitive.
Use the same form and put your brokerage in the notes. Agents typically want pre-approval turn times, financing letters customized to an offer, and a lender who will call the listing agent. All of that is standard here.
Yes. VA at zero down, FHA at 3.5 percent, conventional as low as 3 percent, plus state and local programs where they fit. Bring your situation and we will find the structure that costs you the least over the time you plan to own.
Send the assessment, pick a time, or just call. Whichever you choose, you are talking to the broker owner, and you will get the numbers in writing.
Or call the office at 703-799-5626 · Cell 703-201-6138