Jonathan Ritter

1230 Nottingham Rd, Westminster MD 21157

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Get to know me

Jon Ritter, President of Ritter Mortgage Group (founded 2015), is a Top 1% and 5-Star rated loan originator with 20+ years serving the Baltimore/DC area since 2003. He leads a people-first, white-glove team known for clear, proactive communication and trusted results. A Carroll County dad of four and a CODA, Jon also serves clients in ASL. Choose Jon and RMG for integrity, expertise, and a seamless path to homeownership.

My experience

Loan Products:

Adjustable-Rate Mortgages (ARM)

Conforming Loans

Conventional Loans

Fannie Mae

FHA

Fixed-Rate Mortgages

Freddie Mac

Ginnie Mae

Jumbo Loans

Non-Conforming Loans

USDA

Years of experience:

Languages spoken:

English

What you can expect from me.

Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.

What should clients expect when working with you from start to finish?

Expect clear guidance, proactive communication, and a strategy tailored to your goals, from first conversation through closing and beyond. I help you make smart financing decisions for the long term.

Who do you love helping most, and how do you make the home loan process easier for them?

I love helping first-time and move-up buyers who want clarity and confidence. I simplify the process with clear guidance, proactive updates, and loan strategies designed around their financial goals.

How do you feel about clients starting the conversation before they’re ready to purchase?

I encourage it. The earlier we talk, the better your plan. I help clients understand credit, savings, and timing so they’re confident and prepared when the right home — and opportunity — appears.

How do you work with clients buying out of state?

Out-of-state buyers are common for me. I manage everything digitally, coordinate with local professionals, and keep you informed at every step so distance never slows your purchase.

How do you provide rate quotes for clients who want to protect their credit score?

I offer realistic rate and payment estimates using their estimated scores, so clients can explore options confidently. A full credit check only happens when they’re ready to move forward.