McArtor & Co Lenders

CrossCountry Mortgage, LLC

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Rate

  • NameBob Bonitz
  • License146214
  • Phone410-608-6025
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About

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**

 

CrossCountry Mortgage

  • NameStephen Lutche
  • License2192176
  • Phone443-966-4122
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About

Hi, I’m Stephen, and I’m excited to help you open the door to your dream home with America’s #1 Retail Mortgage Lender! Based in York, PA, I’m a long-time Harford County resident who loves getting involved in the community—what’s more rewarding than helping others make it their home? Whether you’re buying your first home or your next, I’m here to make your move as simple as possible. I’ll guide you through every step of the mortgage process, answer all your questions, and keep you updated on your loan’s progress, so you can feel confident from start to finish.

I believe the best way to find the right home financing is by listening to your goals and priorities. With access to a wide range of loans—from conventional and jumbo to FHA and VA—I’m committed to developing a mortgage plan tailored just for you. Let’s make your homeownership journey smooth, enjoyable, and successful!

Outside of work, I enjoy spending time with my family and catching up with friends.

Preferred Home Loans

  • NameJamie Sauer
  • LicenseNMLS # 1859242
  • Phone443-810-9968
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About McArtor & Co

About McArtor & Co.

McArtor & Co. | Maryland's Trusted Real Estate & Auction Professionals

Buying or selling real estate is one of life's biggest financial decisions. At McArtor & Co., we believe every client deserves knowledgeable guidance, honest advice, innovative marketing, and exceptional communication throughout the entire process.

Led by Robert B. McArtor, McArtor & Co. is a full-service real estate team with RE/MAX Components, serving buyers, sellers, investors, business owners, landowners, and families throughout Harford County, Baltimore County, Cecil County, Baltimore City, Carroll County, Howard County, Anne Arundel County, and surrounding Maryland communities.

Our mission is simple:

To help people make confident real estate decisions while providing a level of service that creates lifelong relationships.

More Than Just REALTORS®

We don't believe in simply putting a home in the MLS and waiting.

Every property receives a customized marketing strategy designed to maximize exposure across today's digital landscape while attracting qualified buyers.

Our marketing may include:

* Professional photography
* Cinematic video
* Drone photography
* Interactive floor plans
* Social media advertising
* Google-friendly property pages
* Bright MLS exposure
* Commercial marketing through LoopNet and Crexi
* Custom email campaigns
* YouTube video marketing
* AI-optimized property descriptions
* Open houses and broker networking
* Strategic pricing based on current market conditions

Our goal is to generate the highest possible interest while negotiating the strongest terms for our clients.

Residential, Luxury, Commercial & Auctions

McArtor & Co. offers expertise across multiple areas of real estate.

Whether you're purchasing your first home, selling a luxury property, investing in commercial real estate, downsizing, relocating, handling an estate, or selling property through auction, our team has the experience to guide you.

Our specialties include:

* Residential Real Estate
* Luxury Homes
* Waterfront Properties
* Farms and Rural Properties
* Commercial Real Estate
* Investment Properties
* New Construction
* Relocation Services
* Estate Sales
* Real Estate Auctions
* Land Sales
* Probate Real Estate

As a licensed auctioneer, Robert B. McArtor also provides traditional and auction marketing strategies, giving sellers more options than many real estate companies can offer.

Local Knowledge Matters

Real estate is local.

Understanding neighborhoods, school districts, market trends, pricing strategies, and buyer demand can make a significant difference in the outcome of a transaction.

Because we live, work, and serve the communities we represent, we provide clients with market insights that go far beyond online estimates.

Whether you're moving across town or relocating to Maryland, we'll help you make informed decisions backed by local expertise.

Technology Meets Personal Service

Today's buyers begin their search online, and today's sellers deserve more than outdated marketing.

McArtor & Co. embraces technology, artificial intelligence, digital marketing, video, automation, and data-driven strategies while never losing sight of what matters most—relationships.

We combine innovative marketing with responsive, personal service to create an experience that is professional, transparent, and results-driven.

Why Clients Choose McArtor & Co.

Clients consistently choose our team because we are committed to:

* Honest communication
* Skilled negotiation
* Strategic marketing
* Professional representation
* Attention to detail
* Fast response times
* Innovative technology
* Local market expertise
* Faith-based integrity
* Long-term client relationships

Our success isn't measured simply by homes sold.

It's measured by the trust our clients place in us and the referrals they continue to send our way.

Areas We Serve

McArtor & Co. proudly serves clients throughout:

* Harford County
* Baltimore County
* Cecil County
* Baltimore City
* Howard County
* Carroll County
* Anne Arundel County
* Bel Air
* Abingdon
* Fallston
* Forest Hill
* Jarrettsville
* Havre de Grace
* Aberdeen
* Edgewood
* Joppa
* White Marsh
* Towson
* Perry Hall
* Kingsville
* Elkton
* Chesapeake City
* North East
* Belcamp
* and surrounding Maryland communities.

Meet Robert B. McArtor

Robert B. McArtor has dedicated his career to helping individuals and families navigate one of the most important financial decisions of their lives.

Known for his professionalism, integrity, innovative marketing, and commitment to serving others, Robert has built a reputation as a trusted real estate advisor throughout Maryland.

Beyond real estate, Robert is an author, educator, technology trainer, auctioneer, speaker, and host of the Let's Talk Real Estate vodcast, where he educates consumers and business professionals on topics affecting the real estate market.

His passion is simple:

Helping people make wise real estate decisions while treating every client with honesty, respect, and genuine care.

Experience the McArtor Difference

Whether you're buying your first home, selling a luxury estate, investing in commercial property, relocating, or exploring auction options, McArtor & Co. is ready to help.

If you're searching for experienced REALTORS® in Maryland who combine innovative marketing, local expertise, and personalized service, we'd be honored to earn your trust.

McArtor & Co.
RE/MAX Components

Helping Maryland families buy, sell, invest, and succeed in real estate—one relationship at a time.

Latest Blog Posts

Selling Your Maryland Home This Fall? Get These 4 Things Right

Posted by Robert McArtor
September 17 2026
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Selling Your Maryland Home This Fall? Get These 4 Things RightThinking about selling your home in Harford County, Baltimore County, Cecil County, or the surrounding Maryland area this fall? You'

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Maryland Housing Market Slows in August 2026: What Buyers and Sellers Need to Know

Posted by Robert McArtor
September 15 2026
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Maryland Housing Market Slows in August 2026: What Buyers and Sellers Need to KnowMaryland home sales lost some momentum in August 2026, but limited housing inventory continues to support home.

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Selling a Home This Fall in Maryland? | Harford, Baltimore & Cecil County

Posted by Robert McArtor
September 14 2026
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Selling Your Maryland Home This Fall? You Haven't Missed Your WindowWhy Fall 2026 Could Still Be an Excellent Time To Sell in Harford, Baltimore & Cecil CountySummer is winding down.School is

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8 New Maryland Laws Taking Effect October 1, 2026: What Maryland Residents Need to Know

Posted by Robert McArtor
September 13 2026
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8 New Maryland Laws Taking Effect October 1, 2026: What Maryland Residents Need to KnowFrom new rules affecting landlords and renters to snow-covered vehicles, child care background checks and

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