George N. Matthews, CPA
NMLS #203247 | Ritter Mortgage
Your Mortgage.Your Strategy.Your Future.
Let's find the right loan for your goals.
Expert mortgage guidance for homebuyers, homeowners and real-estate investors.
The Mortgage Process Is Simple
A clear, step-by-step approach to get you home — with less stress and more confidence.
Let's Talk
Share your goals and get your questions answered.
See What You Qualify For
Know your budget and strengthen your buying power.
Find Your Home
Shop with confidence and make the right move.
Close With Confidence
We'll guide you through every detail to the finish line.
Loan Programs & Solutions
Flexible options. Competitive rates. Tailored to your unique situation.
Free Resources
Helpful Checklists — Buyers & Sellers
Pre-Approval Document Checklist
Everything you need to get pre-approved fast.
Home Seller's Checklist
Prepare your home for sale in the Annapolis market.
More checklists for realtors and buyers → View all resources
The CPA Difference
Why Work With a Mortgage Lender Who's Also a CPA?
Most loan officers can tell you what you qualify for. George can tell you what makes the most financial sense — because he's both a licensed mortgage loan officer and a Certified Public Accountant with 20+ years of experience.
Tax-Smart Mortgage Strategy
George analyzes how your mortgage fits your overall tax picture — deductions, write-offs, and timing — so you borrow smarter, not just more.
Self-Employed? No Problem.
CPAs understand complex income. George reads your returns the way an underwriter does, so self-employed borrowers get pre-approved with confidence.
Long-Term Financial Thinking
Beyond the rate, George helps you weigh the true cost of each loan option against your broader financial goals — retirement, equity, and cash flow.
Fiduciary-Level Transparency
No hidden fees, no surprises. George's CPA background means you get a full, honest breakdown of every cost before you sign anything.
Your Local Mortgage Resource
Annapolis, Anne Arundel County & Maryland
As a local mortgage professional, I'm here to help you navigate the home buying process in our community and beyond.
Servicing MD, VA, CA, CO, DE, DC, FL, MI, PA, SC & WV
Not Sure Which Loan Is Right for You?
Tell me a little about your situation and I'll help you understand your options.
About George
I'm George N. Matthews, CPA, a mortgage loan officer with Ritter Mortgage. I'm passionate about helping people achieve their homeownership and investment goals with straightforward advice, personalized service and a commitment to your success.
What Clients Say About George
Shane Torrey
September 22, 2026
George was very communicative and knowledgeable. He was patient with us and gave us great recommendations for moving to Maryland from out-of-state. He helped run multiple calculations to ensure we chose the right mortgage company and got us the best plan possible. I'd highly recommend working with him when you are purchasing your next home.
Barbara Stern
September 13, 2026
George is the best!! So no need to look for anyone else's. He is easy to work with, knowledgeable and explains everything well. And you'll be very happy. I know I was.
Pat Bell
August 5, 2026
Working with George was a 5 star experience. He gave great guidance and provided clarity throughout the whole process of our refinance. He is knowledgeable, responsive, and professional, as well as an overall great person. I would highly recommend him to others, and will absolutely use him again myself in the future. Thank you George!
Mark Wolcott
June 22, 2026
George Matthews from Motto Mortgage Prosperity was extremely responsive during our home search to support the successful outcome, which was recently completed in June 2026. As we needed to make quick offers on multiple properties during our home search, even on weekends and holidays, George was always available to answer our questions and keep the process moving forward in positive and professional manner.
Joanna W.
August 30, 2021
I can't say enough great things about working with George. From start to finish, he made the mortgage process so much easier than I expected. He was always available to answer my questions, kept me informed every step of the way, and truly went above and beyond to help me. His professionalism, knowledge, and genuine care made all the difference. I always felt like he had my best interests in mind, and he worked hard to make sure everything went as smoothly as possible. I highly recommend George to anyone looking for a trustworthy and dedicated mortgage professional. Thank you for all your hard work and for making my home-buying experience such a positive one!
Christine Murphy
May 25, 2026
Awesome, walked me through every step and made sure everything was going right which I appreciate highly recommend!
Helpful Mortgage Calculators
Get an estimate, explore your options and plan with confidence.