One licensed team. Wholesale rates with not one penny of markup. Thousands kept in your pocket.

Mortgage brokers can add to the wholesale lender's rate to increase their pay. First Meridian does not do that for Bundle clients. You pick your interest rate straight off the wholesale rate sheet, exactly as the lender prices it, and First Meridian receives no compensation on the loan. No loan officer fee, no First Meridian origination fee. That is straight wholesale cost, as if you owned the company. Your Loan Estimate shows it in writing, and you are welcome to compare it line by line with any retail quote.

It is one licensed team for the three biggest parts of buying a home: the mortgage, the Realtor and the insurance. First Meridian Mortgage Corporation originates your loan at wholesale pricing with no compensation to First Meridian, Kevin or Bridget Retcher of Jobin Realty represents you on the purchase or sale, and KSA Insurance Agency shops your home and auto coverage, with an additional 2% discount when your policy is written with Travelers under the KSA group plan. You get one point of contact from pre-approval to keys.

No. The savings are real, but the first reason to hire Kevin or Bridget is expert Realtor service: pricing, offer strategy, negotiation, inspection and repair follow-through, and contract management. The Bundle adds a lender and an insurance agency on the same team, so your financing and insurance are lined up before you are committed, and the normal real estate commission is what funds the program.

A CLUE report (Comprehensive Loss Underwriting Exchange) is a record of insurance claims reported on a property, kept by LexisNexis for up to seven years. Insurers use it to decide whether to write a policy and what to charge, and the claims follow the home, not just the owner. With your permission, KSA checks it when we quote your insurance, before you write the contract or during any contingency period. The key is to know before you have no ability to get out of the contract. You learn the real premium, your Realtor learns what to ask the seller, and the inspector knows where to look. It is not a guarantee: a clean report does not mean a home has no problems, and some claims are never reported.

No catch, and no hidden lender compensation. On a Bundle loan First Meridian Mortgage is not paid at all. The Realtor side is paid the normal real estate commission on the transaction, with a referral fee to Jobin Realty, and that is what funds the program. KSA is paid by the insurance carrier, as any agency is. Because the Realtor commission covers the team, First Meridian can originate your loan at straight wholesale cost. All terms are put in writing before you commit.

No. You can start with any piece, and each one stands on its own. The Bundle pricing (no compensation to First Meridian on the loan and the additional 2% Travelers discount) requires that you be pre-approved by First Meridian first and use Kevin Retcher, Bridget Retcher or a designated Referral Agent Partner as your buyer's agent. If you already have an agent you love, we will still give you a great mortgage and insurance quote.

Many lenders charge an origination fee of about 1% of the loan plus a loan officer or processing fee. On a $500,000 loan that is roughly $5,000 at closing that you either pay in cash or roll into a higher rate. Bundle clients pay no loan officer fee and no First Meridian origination fee. Third-party costs such as appraisal, title and recording, and lender charges such as underwriting, flood certification and tax service, are not First Meridian charges and still apply. Many of those can be placed in pricing.

When Kevin or Bridget is your buyer's agent, our team controls both sides of your transaction, the loan and the representation. That means we can direct any Realtor credit toward buying down your interest rate or covering closing costs, within lender guidelines, instead of it disappearing into the transaction. On a new-construction purchase, let us represent you before your first builder visit so the contract, the loan and the credits are planned together.

KSA Insurance Agency is an independent agency, so it shops several carriers for your home and auto coverage. KSA also has a HomeBuyers Bundle group plan with Travelers. When Travelers is the best fit and you close through the Bundle, your eligible policies are written under that group plan at an additional 2% discount, on top of the discounts Travelers already gives you. The additional 2% applies only to Travelers policies; if another carrier wins on price or coverage, you still get the better quote, just without the group discount.

If you are already under contract with another lender or another agent, the Bundle pricing is not available for that transaction. You are still welcome to call for a second-opinion rate quote or an insurance quote, and you can use the Bundle on your next move.

We serve buyers and sellers across Northern Virginia, including Fairfax, Alexandria, Springfield, Arlington, Loudoun and Prince William counties. First Meridian Mortgage is licensed in Virginia, so the Bundle covers homes anywhere in the Commonwealth, with the Realtor piece handled locally in Northern Virginia.

Yes. Kevin is a Marine veteran and First Meridian has closed VA purchase and IRRRL loans for decades. For PCS moves we coordinate the pre-approval, the home search and the insurance so you can close on a tight timeline, often before you arrive.