About Eagle Creek Mortgage Trusted. Experienced. Here for You.
For over 20 years, we've helped families and homeowners secure the right mortgage with guidance rooted in honesty, expertise, and true personalized service.
About Us
At Primex, exceeding your expectations is our mission. In a constantly shifting market, you can rely on Primex Mortgage to deliver the best solutions for all your mortgage needs— whether you’re a first-time homebuyer, refinancing, or qualifying for a VA loan.
We offer a wide range of mortgage options with a strong focus on personal attention and long-term relationships. Our priority is always finding the right mortgage tailored to your unique financial goals.
With unmatched experience, personalized service, and the highest standards of integrity, Primex is committed to guiding you toward the best financial decision for your future.
About Alex Echeandia
Alex Echeandia brings over 12 years of experience in the finance and mortgage industry. His career began at the Financial Industry Regulatory Authority as a senior analyst before transitioning to Choice Finance, where he excelled in loan origination and earned four “Originator of the Month” awards.
Since 2010, Alex has been part of Primex Mortgage—a family-owned, community-centered brokerage known for more than 20 years of trusted service and personalized mortgage solutions.
Alex holds a BS in Criminal Justice and an MA in Legal Administration from Marymount University. He also serves on the Board of the Catholic Business Network of Montgomery County. A devoted sports fan, he proudly supports all local teams—especially the Maryland Terps.
Our Mission
At Eagle Creek Mortage, our mission is to deliver honest guidance, exceptional service, and personalized mortgage solutions that support long-term financial success.
Whether you’re purchasing, refinancing, or navigating complex financial situations, we offer transparent options, proactive communication, and efficient results at every step.
Why Choose Us?
- 20+ years of trusted mortgage experience
- Local family-owned brokerage
- Fast approvals & competitive rates
- Transparent guidance — no hidden fees
- Support for all loan types & unique scenarios
- A relationship that continues long after closing
We don’t just close loans — we build lasting partnerships with clients and our community.
Frequently Asked Questions
Click any question below to reveal the answer.
Pre-qualification is a quick estimate based on basic information. Pre-approval is a deeper financial review and puts you in a far stronger negotiating position similar to a cash buyer.
A rate lock is a contractual agreement that secures your interest rate, points, and loan terms until closing.
Points are upfront fees expressed as a percentage of the loan amount. “2 points” equals 2% of the total loan amount.
PMI protects the lender if you default. It’s typically required on loans with under 20% down. It may be removed once you reach 20% equity.
A home equity loan is a fixed-term loan secured by your property, often used for debt payoff or improvements.
A HELOC is a revolving credit line secured by your home. You can borrow, repay, and borrow again as needed.
LTV (loan-to-value) = loan amount ÷ home’s fair market value.
APR includes your interest rate plus certain fees, providing a more complete measure of loan cost.
Zero-point: you pay no points but still pay closing costs. No-cost: slightly higher rate, no closing costs.
Investment property rates are typically 0.375% higher, with 20–30% down required.
A super jumbo mortgage exceeds $729,750 and usually carries a slightly higher rate.
Very common — slightly higher rate, zero closing costs.
30–90 day locks are usually free. Longer locks may require a refundable fee.
Some lenders offer float-down options if rates drop enough (usually 0.375%+).
No — with no-cost refinances, even a 0.25% improvement may make sense.
Ready to Move Forward?
Whether you're planning your next purchase, refinancing, or just exploring your options, our team is here to guide you with clarity and confidence.
Contact Us