ABOUT DAN FRESHLEY

Your Mortgage Is Too Important to Leave to a Stranger.

Buying or refinancing a home is one of the biggest financial decisions you'll ever make. You deserve a lender who picks up the phone, explains every option in plain English, and is still standing beside you at the closing table — not just processing paperwork from behind a screen.

That's exactly what Dan Freshley has been doing for over 25 years.

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What I can tell you is this: after more than two decades in this business, I still get a genuine thrill when a client gets their keys. Whether it's a first-time buyer who wasn't sure they'd qualify, a veteran using a VA loan benefit they didn't know they had, or a self-employed entrepreneur I helped with a bank statement loan — every closing still matters.

I've seen the mortgage industry at its best and its worst. I've helped clients navigate market crashes, rate spikes, and moments of real personal hardship. Through all of it, one thing has stayed constant: the right lender can change everything.

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Credentials & Licensing

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NMLS License Number: 196245

Years of Experience: 25+

Loans Closed: 1,000+

Headquarters: Gaithersburg, MD — serving clients nationally

States Licensed: MD, DC, VA, DE, FL and other select states nationally

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What Dan Specializes In

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No two borrowers are alike. Dan works with a wide range of clients and loan types, including:

• First-time homebuyers navigating the process from scratch

• Move-up buyers looking to leverage their existing equity

• Veterans and active military using VA loan benefits

• Self-employed borrowers who need bank statement or alternative documentation loans

• Buyers using down payment assistance grants in Maryland and nationally

• Homeowners looking to refinance for a better rate or to access equity

• Investors and buyers of new construction homes

• Clients with less-than-perfect credit who need a path forward

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How Dan Works With Clients

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Dan's approach is built on three principles he calls "educational lending":

1. Transparency first. You'll always know exactly what loan you're getting, what it costs, and why it makes sense for your situation. No surprises at closing.

2. Speed when it counts. Dan's digital-first pre-approval process typically delivers a verified pre-approval letter within 24–48 hours, giving you a competitive edge in fast-moving markets.

3. He shows up. One of Dan's clients said it best: "He even showed up at the settlement table." That's the kind of lender Dan is — not one who disappears after the paperwork is signed.

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Rooted in Maryland, Serving the Nation

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Dan is based in Gaithersburg, Maryland, and has deep roots in the local real estate community. He works closely with real estate agents, financial planners, and housing counselors across the DMV area — but his license and expertise extend nationwide.

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Ready to Take the First Step?

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Whether you're just starting to think about buying, ready to apply today, or somewhere in between — Dan is here to help you figure out what makes sense for your situation. No pressure, no jargon, no wasted time.

📞  (301) 332-9432

 

 

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