Redwood Mortgage Services | Mortgages | Refinance | Annapolis, MD

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800-762-8809

NMLS ID # 91893

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Guiding You Home - Since 1999

Purchase Loans, Refinances, VA Loans, Construction Financing, DSCR Investor Loans, and flexible mortgage solutions across Maryland, Delaware, Virginia, DC, North Carolina, and Florida.

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Guidance Through Every Step

Mortgage financing is not one-size-fits-all.
Redwood Mortgage Services works closely with first-time homebuyers,
move-up homebuyers, homeowners, veterans, and investors
to help simplify the process and provide financing solutions
designed around individual goals.

First-Time Homebuyer

FHA loans are designed to make homeownership more accessible, especially for buyers with lower credit scores or limited savings for a down payment. Backed by the Federal Housing Administration, these loans offer flexible qualification guidelines and competitive interest rates.

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See The Home Loan Process Below!

How Much Are Closing Costs in Maryland?

How Much Are Closing Costs in Maryland?

Jun 12, 2026

Learn what closing costs are, how much Maryland homebuyers may pay, what expenses are included, and ways to prepare for a successful closing.

How Adjustable-Rate Mortgages Work: A Complete Guide

How Adjustable-Rate Mortgages Work: A Complete Guide

Jun 10, 2026

Understand how adjustable-rate mortgages (ARMs) work, including fixed periods, rate adjustments, indexes, and smart strategies to manage changing payments.

The VA Loan Benefit Most Veterans Don’t Know About

The VA Loan Benefit Most Veterans Don’t Know About

Jun 04, 2026

Many veterans are surprised to learn they may be able to reuse their VA loan benefit. Learn how VA entitlement, restoration, and loan reuse may work.

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating

5.0

110 reviews

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Stuart and Karrie did an amazing job guiding me through the entire process. Very professional and overall excellent experience!

Stuart and Karrie did an amazing job guiding me through the entire process. Very professional and overall excellent experience!

Michael Edmondson

1 month ago

Posted on Google

Redwood and Stuart Kiehne were fantastic. Redwood and Stuart did our first mortgage in 1998. Both 1998 and 2026 were wonderful experiences for us. Fro ...

Redwood and Stuart Kiehne were fantastic. Redwood and Stuart did our first mortgage in 1998. Both 1998 and 2026 were wonderful experiences for us. From beginning to end, the service and execution were exceptional. I would recommend Redwood and Stuart 1000% if you have mortgage needs!

2 months ago

Posted on Google

Great experience. Quick and easy working with Stuart and the whole team at Redwood Mortgage. We have financed and refinanced many times with Stuart b ...

Great experience. Quick and easy working with Stuart and the whole team at Redwood Mortgage. We have financed and refinanced many times with Stuart because he is great to work with. He guides you through the entire process, follows up with all the involved parties, answers any questions, quick to return phone calls and has a great team of professionals working for him and with him to help make the process seamless. Will always recommend him and his team for mortgage lending.

4 months ago

Posted on Google

We have used Stuart and Redwood Mortgage for multiple mortgages/ refinances! He always helps us get the best rate he can. He is easy to work with, gre ...

We have used Stuart and Redwood Mortgage for multiple mortgages/ refinances! He always helps us get the best rate he can. He is easy to work with, great at communicating and always keeps us in the loop. He understands what we want and has our best interest in mind! We highly recommend him and his team

4 months ago

Posted on Google

Stuart and the Redwood Mortgage team were incredible! They helped my buyers handle a 1031 exchange for their first property down here in FL. Closing w ...

Stuart and the Redwood Mortgage team were incredible! They helped my buyers handle a 1031 exchange for their first property down here in FL. Closing was smooth, and on time. Couldn’t reccomend them enough to anyone looking for a professional, expert mortgage team. Thanks again!

4 months ago

Posted on Google

Stuart Kiehne was wonderful to work with. He made the process of getting my bridge loan easy and understandable. He was very helpful and timely and s ...

Stuart Kiehne was wonderful to work with. He made the process of getting my bridge loan easy and understandable. He was very helpful and timely and stayed in contact every step of the way. My closing went off without a hitch. Thank you Stu!

5 months ago

Posted on Google

Awesome service and great communication start to finish!

Awesome service and great communication start to finish!

6 months ago

Posted on Google

Redwood mortgage is awesome super friendly and dedicated they worked with me and my schedule redwood and there team would work even after working hour ...

Redwood mortgage is awesome super friendly and dedicated they worked with me and my schedule redwood and there team would work even after working hours to ensure all my needs and questions were met. If you’re looking for a home mortgage Redwood is the team you want on your side.

7 months ago

Posted on Google

Huge thanks to Steve of Redwood Mortgages whose knowledge and expertise guided me through the process of remortgaging. These past few months haven’t ...

Huge thanks to Steve of Redwood Mortgages whose knowledge and expertise guided me through the process of remortgaging. These past few months haven’t been easy but your kindness helped put me at ease.

8 months ago

Posted on Google

Stuart and his team were awesome from the very first conversation,and helped me with every thing from the beginning to settlement! I would definitely ...

Stuart and his team were awesome from the very first conversation,and helped me with every thing from the beginning to settlement! I would definitely recommend him to anyone that's looking for a loan.Thnx again😊

10 months ago

Posted on Google

Incredible company to work with 🌞

Incredible company to work with 🌞

James R. Kiehne

10 months ago

Posted on Google

Using Redwood Mortgage Services for the purchase of our new home was the best home buying experience I have ever had. Stuart Kiehne was consistently ...

Using Redwood Mortgage Services for the purchase of our new home was the best home buying experience I have ever had. Stuart Kiehne was consistently informative of the process, expectations, and next steps. Once we were referred to Stuart, the entire process went smooth. We highly recommend working with Stuart Kiehne and the Redwood Mortgage Services team.

Lynn “Lynnie B” Israel

11 months ago

Posted on Google

Excellent Service.

Excellent Service.

11 months ago

Posted on Google

Working with Redwood Mortgage to keep my house was a smooth and very efficient transaction. Everyone I dealt with were polite and professional and mad ...

Working with Redwood Mortgage to keep my house was a smooth and very efficient transaction. Everyone I dealt with were polite and professional and made a hard time for me very easy. Thank you.

11 months ago

Posted on Google

We had great service; they were very helpful. Great communication every step of the way, we would use them again

We had great service; they were very helpful. Great communication every step of the way, we would use them again

1 year ago

Posted on Google

Very professional organization. No last minute requests for information. Closing went smoothly.

Very professional organization. No last minute requests for information. Closing went smoothly.

Mark Washington

1 year ago

Posted on Google

Stuart, Stuart, Stuart!! I really do not have the words to express how grateful I am to have worked with Stuart and his team at Redwood Mortgage Servi ...

Stuart, Stuart, Stuart!! I really do not have the words to express how grateful I am to have worked with Stuart and his team at Redwood Mortgage Services. They were professional, responsive, and worked hard on my behalf to ensure my home purchase was a success. Deadlines were met and Stuart and his team worked effortlessly behind the scenes to ensure my out of state relocation and home buying process was as stress free as possible. Thank you for all of your hard work and dedication.

1 year ago

Posted on Google

Excellent Service! Thank you Stuart and Redwood! Every mortgage is unique and I'm glad we had you in our corner. You made what could have been a chall ...

Excellent Service! Thank you Stuart and Redwood! Every mortgage is unique and I'm glad we had you in our corner. You made what could have been a challenging process seamless. I highly recommend Redwood Mortgage and would certainly use them again!

1 year ago

Posted on Google

Stuart and his Redwood Mortgage Services team are amazing! Constant communication…always available for questions. Would recommend their services to ...

Stuart and his Redwood Mortgage Services team are amazing! Constant communication…always available for questions. Would recommend their services to anyone!!

1 year ago

Posted on Google

The company was easy to work with and had all the necessary paperwork for our settlement ahead of time. Would give them a 10 rating. Very pleasant an ...

The company was easy to work with and had all the necessary paperwork for our settlement ahead of time. Would give them a 10 rating. Very pleasant and efficient staff.

1 year ago

Posted on Google

Stuart was the absolute best! He was very knowledgeable and managed to put my mind at ease. I highly recommend him and Redwood Mortgage!

Stuart was the absolute best! He was very knowledgeable and managed to put my mind at ease. I highly recommend him and Redwood Mortgage!

Temperance DuWitt

1 year ago

Posted on Google

Stuart and Nikki were very helpful and proactive with the entire mortgage process. Great to have them as our team.

Stuart and Nikki were very helpful and proactive with the entire mortgage process. Great to have them as our team.

1 year ago

Posted on Google

This is my third home purchase using Stuart Kiehne at Redwood Mortgage Services. Stuart and his team are the best when it comes to sharing information ...

This is my third home purchase using Stuart Kiehne at Redwood Mortgage Services. Stuart and his team are the best when it comes to sharing information and getting what needs to get done to make it to closing on time!

1 year ago

Posted on Google

Stuart and Nikki helped guide me through my first home purchase. Gave me a great rate, and honestly made the whole experience smooth for me. It's safe ...

Stuart and Nikki helped guide me through my first home purchase. Gave me a great rate, and honestly made the whole experience smooth for me. It's safe to say I will utilize them again when it comes time to refinance in the future.

Eugene H (ArieAria)

2 years ago

Posted on Google

Y'all were great. Great communication and made the process smooth.

Y'all were great. Great communication and made the process smooth.

2 years ago

Posted on Google

Great rates

Great rates

Michael Carruth

2 years ago

Posted on Google

Stuart was very helpful, knowledgeable and most of all very nice and easy to work with.

Stuart was very helpful, knowledgeable and most of all very nice and easy to work with.

2 years ago

Posted on Google

Stuart, Kim, Philip, and the whole team over at Redwood Mortgage were absolutely fantastic. Made the process smooth and easy and explained everything ...

Stuart, Kim, Philip, and the whole team over at Redwood Mortgage were absolutely fantastic. Made the process smooth and easy and explained everything to me in a way that was easy to digest. Would definitely recommend them, even to my elderly mother!

2 years ago

Posted on Google

Recommended by a friend, my wife and I have used Stuart Kiehne at Redwood Mortgage Services for my past two home purchases. Stuart is very professiona ...

Recommended by a friend, my wife and I have used Stuart Kiehne at Redwood Mortgage Services for my past two home purchases. Stuart is very professional and glad to share advice during what can be a stressful home buying process at times. The transaction is always smooth when using Redwood!

2 years ago

Posted on Google

Stuart and Phillip were very helpful throughout the process and always made time to answer my questions.

Stuart and Phillip were very helpful throughout the process and always made time to answer my questions.

2 years ago

Posted on Google

Impressive

Impressive

2 years ago

Posted on Google

Philip and Stuart always took the time to answer my questions, responded promptly, and made the process smooth and efficient.

Philip and Stuart always took the time to answer my questions, responded promptly, and made the process smooth and efficient.

Janielle P. Maynard

2 years ago

Posted on Google

This whole team was fantastic! They went above and beyond for my husband and I for the approval on our home! GP and his team I highly recommend.

This whole team was fantastic! They went above and beyond for my husband and I for the approval on our home! GP and his team I highly recommend.

2 years ago

Posted on Google

After being told we were approved by 2 banks, then no getting out of underwriting, we called Redwood on recommendation. They told us what to do and we ...

After being told we were approved by 2 banks, then no getting out of underwriting, we called Redwood on recommendation. They told us what to do and we closed on Monday. Stuart Keihne is everything we were told. Kim Back is the best. She even called and emailed us on weekends and guided us through closing! Cant say enough! Top Notch!

2 years ago

Posted on Google

Philip ,Stuart and the team at Redwood Mortgage Service are dedicated, reliable and will leave no stones unturn to ensure that your homeowner journey ...

Philip ,Stuart and the team at Redwood Mortgage Service are dedicated, reliable and will leave no stones unturn to ensure that your homeowner journey goes smoothly. They'll provide you with the best option their is. I'm happy with the service I received in acquiring my first home. I do recommend to anyone out there looking for a team to work with in acquiring a home to look no further. Redwood Mortgage Services is right here for you.

2 years ago

Posted on Google

I have in amazing experience with them & got my first home I’m very happy with the service they provided you need to go with Philip he’s the man for w ...

I have in amazing experience with them & got my first home I’m very happy with the service they provided you need to go with Philip he’s the man for what u need

2 years ago

Posted on Google

Great service with personalized assistance during and out of business hours.

Great service with personalized assistance during and out of business hours.

2 years ago

Posted on Google

Kim and Stuart are an amazing team to work with. They understand everyone's needs are unique and work hard to address understand them. Id highly rec ...

Kim and Stuart are an amazing team to work with. They understand everyone's needs are unique and work hard to address understand them. Id highly recommend reaching out to them.

Melissa Decker -State Police-

2 years ago

Posted on Google

I can not say enough good things about working with Kim Back and Redwood Mortgage. Kim went above and beyond helping us, as first time home buyers she ...

I can not say enough good things about working with Kim Back and Redwood Mortgage. Kim went above and beyond helping us, as first time home buyers she really helped educate us on the entire process and answered all of my questions and was genuinely excited to help! She made the process so simple and my realtor team even mentioned how educated she was. She was so kind and professional and I’m so glad I was able to work with her during this new exciting time!

Brittney Carbaugh

3 years ago

Posted on Google

Never have I had a mortgage process go as smoothly as I did with Redwood Mortgage! Thank you Stuart and Phillip for all your help!

Never have I had a mortgage process go as smoothly as I did with Redwood Mortgage! Thank you Stuart and Phillip for all your help!

3 years ago

Posted on Google

Stuart and his entire team were highly professional, motivated, perfectly responsive and really worked as our partner to reach our goal.

Stuart and his entire team were highly professional, motivated, perfectly responsive and really worked as our partner to reach our goal.

Gwendolyn Saylor

3 years ago

Posted on Google

I had the pleasure of buying my first home today with the help of Redwood Mortgage services. They made the process easy, straightforward, and exciting ...

I had the pleasure of buying my first home today with the help of Redwood Mortgage services. They made the process easy, straightforward, and exciting as a first-time home buyer. Kim was incredibly thorough, kind, and the best resource for my husband and I throughout this process. Karrie, Stuart, and Nikki were also wonderful. If I could give them 10 stars I would!

3 years ago

Posted on Google

From the beginning, the entire team was extremely professional willing to answer any questions we had and maintained constant communication throughout ...

From the beginning, the entire team was extremely professional willing to answer any questions we had and maintained constant communication throughout. Highly recommend. Special thanks to Philip Snyder and Stuart Kiehne.

Marcus Marshall

3 years ago

Posted on Google

Everything closed as planned, very professional 👍

Everything closed as planned, very professional 👍

3 years ago

Posted on Google

My husband and I used Redwood Mortgage to refinance our home for a kitchen remodel. The process was flawless from beginning to end. Kim was thorough i ...

My husband and I used Redwood Mortgage to refinance our home for a kitchen remodel. The process was flawless from beginning to end. Kim was thorough in obtaining all needed information up front, and she kept us informed regularly on the progress of the lender's review and approval. Everyone at Redwood was friendly and responsive. The loan closed in the time frame we needed.

3 years ago

Posted on Google

I have worked with Redwood Mortgage for 3 mortgages now and I wouldn’t use anyone else. GP Lindsay and his team are honest and make buying/selling a h ...

I have worked with Redwood Mortgage for 3 mortgages now and I wouldn’t use anyone else. GP Lindsay and his team are honest and make buying/selling a home seamless.

3 years ago

Posted on Google

Redwood was amazing to work with throughout the process of buying our home. GP was fantastic with communication and we had complete trust in the proce ...

Redwood was amazing to work with throughout the process of buying our home. GP was fantastic with communication and we had complete trust in the process. Would absolutely recommend Redwood, 1000%!

3 years ago

Posted on Google

It was excellent dealing with REDWOOD, i recommend everyone to them. ✅

It was excellent dealing with REDWOOD, i recommend everyone to them. ✅

Jerrydine Williams

3 years ago

Posted on Google

Excellent service and great rates! Thank you Redwood Mortgage Services.

Excellent service and great rates! Thank you Redwood Mortgage Services.

3 years ago

Posted on Google

Stuart Kiehne and the entire Redwood team were an absolute pleasure to work with. This was my first time buying a house and they made the entire proce ...

Stuart Kiehne and the entire Redwood team were an absolute pleasure to work with. This was my first time buying a house and they made the entire process SO easy and smooth. They are responsive, helpful, kind, and I would 100% recommend them to all of my family and friends! They truly go above and beyond.

4 years ago

Posted on Google

Smooth. All questions answered quickly and accurately.

Smooth. All questions answered quickly and accurately.

4 years ago

Posted on Google

Highly professional!

Highly professional!

4 years ago

Posted on Google

This is our second mortgage with Stuart and Redwood. I can think of no better person and team to take care of your mortgage needs. They are friendly, ...

This is our second mortgage with Stuart and Redwood. I can think of no better person and team to take care of your mortgage needs. They are friendly, knowledgeable, and RESPONSIVE! The process was quick and painless (as long as you have your paperwork in order!) If there were more stars than 5, I would score to the max!

4 years ago

Posted on Google

The company is very easy to work with and they are very competent.

The company is very easy to work with and they are very competent.

4 years ago

Posted on Google

I’ve just finished my third loan with Stuart and his staff. They’ve been very helpful and the process has been very easy with their guidance. I’ve alr ...

I’ve just finished my third loan with Stuart and his staff. They’ve been very helpful and the process has been very easy with their guidance. I’ve already recommended them a few times and will continue doing so.

5 years ago

Posted on Google

Stuart and his office worked to get us through the refinance easily and painless. All details were taking care of so there were no surprises at closin ...

Stuart and his office worked to get us through the refinance easily and painless. All details were taking care of so there were no surprises at closing. Thanks Stuart. Rob P

5 years ago

Posted on Google

I've bought two houses with Stuart and refinanced on the second one with him. And every single time he has made the process painless. His and his staf ...

I've bought two houses with Stuart and refinanced on the second one with him. And every single time he has made the process painless. His and his staff have been extremely patient and helpful to my wife and I, and every time got us an incredible rate. I couldn't ask for me.

5 years ago

Posted on Google

Stuart and his team were absolutely incredible to work with. They were able to get my loan done before closing in a very short notice. They were alway ...

Stuart and his team were absolutely incredible to work with. They were able to get my loan done before closing in a very short notice. They were always extremely responsive and kept me at ease in such a stressful time. Would highly, highly recommend!

5 years ago

Posted on Google

Stuart is absolutely knowledgeable and knows exactly what he is doing. You can trust him to get the job done and you will not be disappointed.

Stuart is absolutely knowledgeable and knows exactly what he is doing. You can trust him to get the job done and you will not be disappointed.

5 years ago

Posted on Google

Very good service.

Very good service.

Jasmine Holland

5 years ago

Posted on Google

Great experience. Quick and easy working with Stuart and the whole team at Redwood Mortgage

Great experience. Quick and easy working with Stuart and the whole team at Redwood Mortgage

5 years ago

Posted on Google

We used Stuart Kiehne at Redwood Morgage to buy our house in May 2018, refinance in 2019, and 2020. The team was very knowledgeable, efficient, and re ...

We used Stuart Kiehne at Redwood Morgage to buy our house in May 2018, refinance in 2019, and 2020. The team was very knowledgeable, efficient, and responsive throughout the entire process each and every time. Highly recommend Redwood Mortgage.

5 years ago

Posted on Google

Knowledgeable, Fast and Responsive! I strongly recommend Redwood Mortgage for an easy and painless experience.

Knowledgeable, Fast and Responsive! I strongly recommend Redwood Mortgage for an easy and painless experience.

5 years ago

Posted on Google

Stuart is one of the best in the industry. He is easy to work with and very down to earth. You can"t go wrong with him. We worked with him for our own ...

Stuart is one of the best in the industry. He is easy to work with and very down to earth. You can"t go wrong with him. We worked with him for our own home and for an investment property. His professionalism and base knowledge in the industry is strong.

5 years ago

Posted on Google

Stuart Kiehne and his entire team were phenomenal in their support of our purchase of our home. The entire process was complicated by a number issues ...

Stuart Kiehne and his entire team were phenomenal in their support of our purchase of our home. The entire process was complicated by a number issues, none caused by Redwood. We had targeted a closing date in only 3 weeks from the acceptance of our offer and we were using a VA loan. Stuart's knowledge and experience with VA loans was exceptional. The final complication was that the sale of my previous home got delayed due to a mishandling of the paperwork by my buyers agent. This caused a significant amount of work for Stuart, but he and his team worked wonders and we were able to move in exactly on schedule.

5 years ago

Posted on Google

Excellent service and got us the best rate around, thanks Redwood!

Excellent service and got us the best rate around, thanks Redwood!

5 years ago

Posted on Google

Stuart and Kim were great. They made the entire process so smooth, answered all my questions and explained everything well, and helped my find everyth ...

Stuart and Kim were great. They made the entire process so smooth, answered all my questions and explained everything well, and helped my find everything else I needed to set up to purchase.

Ariel DeGennaro

5 years ago

Posted on Google

Stuart Kline did his best to get me a low rate and a hassle free refinance. Would definitely recommend.

Stuart Kline did his best to get me a low rate and a hassle free refinance. Would definitely recommend.

5 years ago

Posted on Google

Stuart did an OUTSTANDING job. Thank you Stuart.

Stuart did an OUTSTANDING job. Thank you Stuart.

Thomas Hoffmann

6 years ago

Posted on Google

I've just completed my second home loan with Redwood and I would highly recommend their company. They were very easy to work with, they are highly ex ...

I've just completed my second home loan with Redwood and I would highly recommend their company. They were very easy to work with, they are highly experienced and talented folks that make a very difficult process very simple to understand and execute. I will definitely use them again if I have to obtain another home loan. They were great.

6 years ago

Posted on Google

Professional, timely, and they were always available when I had a question

Professional, timely, and they were always available when I had a question

Carlie Blacklide

6 years ago

Posted on Google

We were treated like family! All information was sent out in a timely fashion and all questions were answered in the like. If you need a mortgage or ...

We were treated like family! All information was sent out in a timely fashion and all questions were answered in the like. If you need a mortgage or refi, Redwood is the way to go!!

6 years ago

Posted on Google

The Redwood Mortgage team is a pleasure to work with. Stuart and Kim made the process very quick and easy. They were flexible and accommodating, and ...

The Redwood Mortgage team is a pleasure to work with. Stuart and Kim made the process very quick and easy. They were flexible and accommodating, and able to adapt to developments during closing that ensured we closed on time, despite my being out of town. Kim worked the logistics to make sure the right people were in the right place at the right time with the right documents. This is the second mortgage I have obtained through Redwood Mortgage and I give them my highest recommendation.

6 years ago

Posted on Google

I highly recommend Redwood Mortgage to anyone. Kimberly is AMAZING. This was me and my husbands first time buying a home and she made the experience a ...

I highly recommend Redwood Mortgage to anyone. Kimberly is AMAZING. This was me and my husbands first time buying a home and she made the experience as seamless as possible given the hitches that came along. She was great at explaining everything to us numerous of times and was very responsive to every email, phone call and text message. They looked out for our best interest. Thank you Stuart and Kim for everything.

6 years ago

Posted on Google

How Much Can I Afford?