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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

With 24 years of experience in the mortgage industry, I take great pride in providing the best customer service possible.  My time in this industry has afforded me the joy of helping my clients with their home financing needs and I’m starting to help their children take their first steps in the home buying journey.

 

I am an 18-year resident of Carroll County, MD where my wife and I have watched our two kids grow up.  We have been heavily involved in multiple youth sports organizations in our community along with High School boosters.  Now we get to sit back and just enjoy watching both kids play collegiate athletics.

 

I take pride in working hard every day to bring value to customers efficiently and effectively while never sacrificing the ethics I strongly believe. Please feel free to reach out to me with any questions you may have; I am happy to assist you.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
USDA

USDA

Are you purchasing a rural property? A USDA loan is a great fit. Enjoy lower interest rates with no down payment. These loans are best suited for homebuyers with moderate to low income and are offered to rural property owners through the U.S. Department of Agriculture (USDA).
VA

VA

If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.93 out of 5.0 stars
5.0
4.93
Lynn
Feb 10, 2025
Laurel, MD
Verified

Chad was very professional and efficient. At the same time he was accomodating and understanding my situation, and I enjoyed working with him very much.
Larissa
Jan 21, 2025
Waynesboro, VA
Verified

Exceptional to work with. Answered all of my questions very quickly and made the entire mortgage process very easy! Thank you again!
Milton
Dec 23, 2024
Westminster, MD
Verified

Phone calls for help were answered promptly and questions were answered and clarified
Rebecca
Jun 19, 2024
Columbia, MD
Verified

Excellent communication and service
Nathaniel
Jun 19, 2024
Columbia, MD
Verified

Chad was very responsive to communications and was always available. The process for application through closing was smooth with Chad helping throughout. It was nice that he attended our mortgage closing as well. The online portal is easy to use.
David C
Jun 19, 2024
Columbia, MD
Verified

I have been working with Chad for 16+ years. He is the best loan officer I have worked with in my 38 years in real estate!

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #461953
I am authorized to do business in the states of District of Columbia, Delaware, Maryland, Pennsylvania and Virginia. (www.nmlsconsumeraccess.org/);