I have had a very good experience with the Wells Fargo Home Mortgage Elkton, MD branch. They provide wonderful personalized service and have great rates. They are willing to work with you to find the right mortgage to fit your needs. We used them on a recommendation from our realtor and recently refinanced our home with them as well. The entire transaction was smooth and easy. I can email my consultant and he will get back to me, even if it's not completely related to the mortgage. I would highly recommend!