About Bob Bonitz
As a returning Producing Area Manager and trusted local Mortgage Professional, Bob Bonitz brings nearly 25 years of experience in the mortgage and financial services industry. A graduate of Towson University with a business degree, Bob has built his career on delivering exceptional service, expert guidance, and lasting client relationships. Now with Rate, a leading nationwide lender, Bob leverages his deep industry knowledge and commitment to excellence to providing a seamless, stress-free mortgage experience for clients throughout Harford County and surrounding areas. Bob understands that the home loan process involves many moving parts, and his goal is simple—make every client feel like they are his only client. Through clear communication, transparency, and a hands-on approach, he ensures a smooth journey from pre-approval to closing. He is highly experienced across a wide range of loan programs, including Conventional, FHA, VA, USDA, Jumbo financing, first-time homebuyer programs, down payment assistance, and refinancing solutions. Whether you're purchasing your first home, expanding your real estate portfolio, or exploring ways to improve your financial position, Bob provides tailored solutions designed around your goals. Known for being attentive, responsive, and relationship-driven, Bob believes in being available when his clients need him most. His philosophy is simple **"*money doesn't sleep"*,** and neither does his commitment to delivering prompt communication, quick follow-ups, and consistent execution. Outside of work, Bob stays busy with his four children and enjoys attending games to support the Baltimore Ravens and Baltimore Orioles whenever he can. If you're looking for a reliable, experienced mortgage professional, Bob Bonitz is ready to help you achieve your homeownership goals with confidence. **NMLS ID #146215 | Licensed in MD, PA, VA, WV, DE, DC, FL, GA, SC**
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
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Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
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Located at 10320 Little Patuxent Pkwy, Suite 1140 Columbia MD, 21044
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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