Revolutionary Mortgage

 Local Lender

Revolutionary Mortgage Company is a full-service mortgage lender & broker specializing in residential and refinance loans. Revolutionary Mortgage offers a wide range of products and services, including fixed and adjustable rate conventional mortgages (Fannie Mae and Freddie Mac), jumbo and portfolio loans, Debt Service Coverage Ratio (DSCR) and Bank Statement loans for investment properties,  Federal Housing Administration (FHA), Veterans Affairs (VA), U.S. Department of Agriculture (USDA) loans, Home Equity Lines of Credit (HELOC’s) and renovation financing.

Whether you are looking for some of the lowest home mortgage loan rates in the country or want to speak with us about getting a 30-year fixed mortgage loan in the metropolitan regions of Baltimore, Washington, DC, or the Mid-Atlantic, we can help. Revolutionary Mortgage Company is a Maryland based mortgage company that was established in 1988 and has helped tens of thousands of borrowers close on home purchase and refinance loans. Operating in 6 states, including Maryland, Virginia, West Virginia, Delaware, Florida, and Washington, DC.  We strive to offer great purchase and refinance rates as well as affordable closing costs so that you  can get into the dream home that you have worked so hard to purchase.

Our Story

Built on a foundation of commitment, character, and innovation, Revolutionary Mortgage Company was founded and incorporated in 1988 by Smith D. A. (“Skip”) Cobb III.  Skip had recently sold his real estate brokerage company to a privately held real estate development and mortgage company, who had then hired Skip to open an East Coast mortgage division in 1985. In 1988, the CEO of The Principal Group (who owned the lender division of Better Homes and Gardens Mortgage); made Skip an offer to start his own mortgage brokerage, stipulating that The Principal Group would purchase all of the mortgage production that Skip’s new mortgage company could generate.

As the story goes, Skip started Revolutionary Mortgage Company with a mission to lend to the local community and to reimagine and reshape the mortgage industry and their age-old customs of “bank” hours and service. Hence the name Revolutionary Mortgage Company, which would offer to meet with the borrower(s) at their homes, in the evening or on the weekend (as opposed to requiring the borrower to meet at the banker’s “Ivory-Tower” office Monday through Friday only, between the hours of 9am to 5pm) and to furthermore, have all loan officers attend the loan closing with each borrower, at the borrower's choice of settlement company.  Not only was this Revolutionary in 1988, but we often find it is still Revolutionary in 2024.

Given Skip’s prior real estate brokerage ownership and knowledge of the real estate industry (Skip was past President of the Johnson County, Kansas City Real Estate Sales division, partial owner of a settlement company and served as Lead Underwriter for Revolutionary Mortgage Company for 8+ years, while growing the company), he developed a mortgage company with a one team mission and mindset that are people-focused and who build connections with our customers; because he believes that a smoothly closed loan is not the end of our relationship.  It is just the beginning; helping customers build equity over the decades, in what most probably is the largest investment of their life.

 Unlike many other “Big Banks” and mortgage companies, we operate as a fully independent company, allowing us to maintain complete control over the entire borrower experience from beginning to end. We work with a large network of tier one mortgage companies, numerous major investors, as well as banks and FCU’s, who we ultimately sell our mortgages to, which allows us to get YOU the BEST rates, coupled with our Best-in-Class services, on all of our loan programs.

 As Skip continued to grow the company in the 1990’s, his brother N. Tyndale “Tyn” Cobb II joined the company. Tyndale’s previous financial experience had been in the energy industry during the 1980’s after assisting Morgan Stanley to form the first natural gas trading company in the industry. Tyndale would bring joint venture, corporate development, and marketing expertise to Revolutionary Mortgage Company.

Together, the Cobb brothers have worked with a seasoned group of mortgage professionals to offer a better solution for homebuyers to navigate through all of the complexities encountered during the homebuying process; from the beginning stage of the Contract Offer to the processing and underwriting approval stage of issuing your Clear-to-Close Mortgage Approval, through to the final stage of your Loan Closing and attending Settlement with Revolutionary Mortgage Company at your side.

When you choose Revolutionary Mortgage Company as your lender, we make you a promise, that you’ll benefit from our:

• Outstanding competitive interest rates and fees
• Extensive knowledge of your local market
• Longstanding relationships with service providers
• Knowledge and expertise of all mortgage products
• Processing and underwriting experience
• Open and prompt line of communication
• Dedication to exceptional customer service

 
Our philosophy is to “make it happen” for our clients and real estate partners by serving both with excellent service, value, and respect. That commitment to those we serve has earned us a spot as one of the top mortgage lenders and brokers in the Baltimore, Washington, DC, and Mid-Atlantic regions of the U.S.

Whether you’re refinancing, buying your first home, moving up to that next Luxury or Vacation home, or looking to purchase investment properties, we can get your loan done quicker and with better rates than the “Big Banks.” 

Revolutionary Mortgage Company

9099 Ridgefield Drive, Suite 104, Frederick, MD 21701

Metro Ph:    (301) 620-0220  Toll Free Ph: (800) 535-1219

Fax No:    1-301-620-2206

State Licenses:

Maryland - 213201     Virginia - MC-351     Delaware - 037384

West Virginia - MB-20281     Florida - MBR5421

District of Columbia - MLB213201 - Dual Lic. Authority - Lender & Broker