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Mortgage Rates


Welcome to Serenity First Financial, where we provide mortgage solutions for YOUR peace of mind. We are located at 6200 Georgetown Blvd, Suite D, Eldersburg, MD 21784.

We are proud to be serving Maryland, Virginia and Washington, D.C. with over 50 years of mortgage experience.  We have an extensive range of products including FHA mortgages, VA Mortgages as well as a wide range of conventional loans.

We are your mortgage refinance resource with products such as VA streamlines and FHA streamlines. In addition we offer the government sponsored HARP 2.0 program, which allows you to refinance your existing mortgage with no appraisal. Stop paying for higher interest rates, contact us now for a free mortgage refinance quote and see how much money you can save!

Buying a home in Maryland, Virginia or D.C.? Look no further, we will get you pre-qualified for a loan and set you up with a realtor so you can start looking at homes.  Let us help you find your perfect home and make purchasing that home a serene experience.

Feel free to browse our website and apply right here online! Or just call us now for a FREE quote! We look forward to working with you!

We offer a variety of loan options such as:
Maryland, Virginia, and D.C. Residents! Do not miss out on historically low mortgage rates, call now!

Toll Free 1-877-971-0777
Local (443)-609-3636

Chad Tracey
Serenity First Financial, LLC

Licensed by the Maryland Department of Labor Licensing and Regulation License # 15341

Licensed by the Virginia State Corporation Commission, License# MC-4691
​Licensed by the DCRA, License# MLB-176972

NMLS ID# 176972,






"Working with Scott has been a truly satisfying experience. He went above and beyond to get us to settle on my refinance and cleared all those hurdles that were in our way. Thank you so much."
Christa Bahre

"Brian, I want to thank you for the wonderful gift! It is so useful and I appreciate it so much. Most importantly, I want to thank you and your staff for the effort you put forth to see that my re-financing went so smoothly. It has given me great peace-of-mind to know that I don';t have to worry about the interest rate going up on my mortgage. Scott was wonderful to work with, so pleasant all the time and eager to answer all my silly questions, not to mention how hard he must have worked to get me the best deal. I would certainly recommend Serenity to anyone interested. Hoping you and your staff have great success in all your endeavors and I';m sure you will."

"Brian and Serenity were great to work with. They not only delivered what they promised, but at the end, our rate was actually lower than they originally quoted. I highly recommend Serenity First Financial and Brian Oates".
Angie J.

"I am SO thrilled about how much money we are saving (nearly $400/month) after refinancing that I';m passing on my neighbor and loan officer's information! Steve is a great guy and he worked with us over the last few months- constantly monitoring home prices in the neighborhood and interest rates to get us the best possible situation. I couldn';t be more pleased!"
Kristin N.

"Thank you so much for all your help and little clip below. Sorry for delay reply. This is a very cute way of letting us know that the loan is clear to close. It is very cleverly expressed. Please note, we are very happy with all your service and promptness of your reply. Thank you so much for keeping us informed on every step of the are such an ASSET to Serenity First Financial LLC. and I am sure your company recognizes that!
Best regards!"
Mahendra and Rameela Patel

"I couldn';t have asked for better service than what I received from your organization. I am so relieved to be free of the ARM mortgage. Scott, you were with me every step of the way, any time I had questions; I really appreciate you."
Marilyn Winstead



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