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My name is Rachel Holman, and I am a proud Senior Loan Officer at Mariner Finance- Throughout my 16+ year Real Estate and Mortgage lending career, I have had the opportunity to work with some of the best leaders in the industry. These have ranged from heavy hitter developers, realtors, mortgage professionals, politicians, athletes, and many internationally recognized businessmen and women. I currently hold a Broker license with a local developer at Harborview Community Realty Inc. I also own a small private real estate brokerage as an independent operator, with one working agent under my umbrella.

My skills allowed me to start my first management company and property tax appeals office when I was only 23 years old, which helped influence the Baltimore City 60-day right to tax appeals process after buyers purchase within Baltimore City.

I majored in Counterterrorism and Homeland Security. It has always been in my nature to protect and defend what matters most, which is why I pride myself in helping my Veteran clients, which has become my specialty. Although I did not pursue the dream of national defense, I work hard for all my clients, whether it be a purchase or a refinance, including a vast range of lending products such as VA, Conventional, FHA, etc.

Using my unique background and my outgoing personality, I get fulfilled by helping my clients, friends, and family achieve their dream homes and financial goals. I enjoy every minute of solving problems and finding financial solutions for my clients throughout every part of the transaction. My clients are involved in every aspect of the transaction and I have their confidence to get the job done correctly.

I hope to hear from you soon to discuss your individual plans and genuinely look forward to working with you and tailoring a fit for your own financial goals. I would love to hear how I help you in this exciting process. I’m only a phone call away!

NMLS #1909065. Licensed in CA, FL, GA, MD, NJ, NC, OH, PA, TN, TX, VA, WA

Making personal loans sense.

Got questions? Get answers.

What is the minimum amount I can borrow? How long does an application take? Is there a prepayment penalty?

Ready to speak to a person—in person?

You have your own unique goals to meet, and it all starts with a 5 minute conversation with one of our team members. You can reach us directly at 877-310-2373.

What is a personal loan?

Great question. It’s a loan that may help you deal with an unexpected expense, see a new part of the world, or simply help you achieve your personal goals. We have those.

   

†We offer personal loans from $1,000 to $25,000, with loans terms from 12 to 60 months. Minimum and maximum amounts dependent on an applicant’s state of residence and the underwriting of the loan. Loans between $1,500 and $15,000 may be funded online. Loans greater than $15,000 or less than $1,500 are funded through our branch network. Specific interest rates and fees are determined as permitted under applicable state law and depend upon loan amount, term, and the applicant’s ability to meet our credit criteria, including, but not limited to, credit history, income, debt payment obligations, and other factors such as availability of collateral. Not all rates and loan amounts are available in all states. Additional fees may apply to some loan offers; some state required and/or permitted fees may be treated as prepaid finance charges. Any such charges shall be in addition to the loan amount requested and/or approved and shall be fully disclosed to the applicant on his/her loan agreement. Not all applicants will qualify for the lowest rates or larger loan amounts, which may require a first lien on a motor vehicle not more than ten years old titled in the applicant’s name with valid insurance. Our loan by phone and online closing process requires a compatible mobile or computer device on which you can access your email and electronic documents. Not all loan types are eligible for loan by phone or online loan closing.

 

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

 

For any stated annual percentage rate (“APR”), the APR represents the cost of credit as a yearly rate and will be determined based upon an applicant’s credit at the time of application, subject to state law limits. A range of APR’s may be applicable, subject to state law limits and individual underwriting. Not all applicants will qualify for a lower rate. APR’s are generally higher on loans not secured by a vehicle, and the lowest rates typically apply to the most creditworthy borrowers. All terms and conditions of a loan offer, including the APR, will be disclosed during the application process. As an example, with an amount financed of $5,000.00 the borrower receives $5,000.00 at an APR of 29.99% and an interest rate of 28.77% which includes a finance charge of $3,640.96. Under these terms, the borrower would make 48 monthly payments of $180.02, for a total of payments of $8,640.96. The amount financed may not be the net proceeds paid if charges other than interest are included in the loan.

 

*The process uses a “soft” credit inquiry to determine whether a loan offer is available, which does not impact your credit score. If you continue with the application process online and accept a loan offer, or are referred to a branch and continue your application there, we will pull your credit report and credit score again using a “hard” credit inquiry. This “hard” credit inquiry may impact your credit score.

 

 

California Residents: Loans made or arranged pursuant to a California Financing Law license.

VA Residents – Mariner Finance of Virginia, LLC, Licensed by the Virginia State Corporation Commission, Consumer Finance Company License No. CFI-114.

 

Mariner Finance, LLC, NMLS No. 166564 (www.nmlsconsumeraccess.com)
8211 Town Center Drive, Nottingham, MD 21236. Telephone Number 877-310-2373.

Equal Housing Lender

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