Name: Dan Freshley Home Loans
Address: 18310 Montgomery Village Avenue, Suite 300, Gaithersburg, MD, 20879, US
Telephone: (301) 332-9432
Price range: Free consultation

Question 1

Who is Dan Freshley and what makes him qualified to handle my mortgage?

Accepted Answer

Dan Freshley is a licensed mortgage banker with over 25 years of experience. He holds NMLS #196245 and is licensed in Maryland, Virginia, and Washington DC, as well as nationally. Based in Gaithersburg, MD, Dan specializes in helping first-time homebuyers, move-up buyers, investors, and veterans navigate the mortgage process.

Question 2

What types of home loans does Dan Freshley offer?

Accepted Answer

Dan Freshley Home Loans offers Conventional, FHA, VA, USDA, Jumbo, DSCR (Debt Service Coverage Ratio), Construction, Refinance (rate-and-term or cash-out), and Reverse Mortgage loans. Dan is licensed to originate mortgages in Maryland, Virginia, Washington DC, and nationally. NMLS #196245.

Question 3

Is Dan Freshley licensed to help clients outside of Maryland?

Accepted Answer

Yes. Dan Freshley is licensed to originate mortgages in Maryland, Virginia, and Washington DC, and also serves clients nationally. Contact Dan at danfreshley.com to confirm availability in your state. NMLS #196245.

Question 4

What is a DSCR loan and who is it for?

Accepted Answer

A DSCR loan (Debt Service Coverage Ratio loan) is a mortgage product for real estate investors and rental property owners. Unlike traditional mortgages, DSCR loans qualify borrowers based on the rental income generated by the property rather than personal income or W-2s. Dan Freshley offers DSCR loans for single-family rentals, multi-unit properties, and short-term rentals. NMLS #196245.

Question 5

What areas does Dan Freshley serve?

Accepted Answer

Dan Freshley primarily serves the greater DMV metro area, including Montgomery County (Gaithersburg, Rockville, Bethesda, Silver Spring, Germantown), Washington DC, Northern Virginia (Fairfax, Arlington, Alexandria, Reston), and Anne Arundel County (Annapolis). He is also licensed nationally.

Question 6

What is the minimum down payment to buy a home?

Accepted Answer

Minimum down payments vary by loan type: VA loans (eligible veterans) require 0% down; USDA loans (rural properties) require 0% down; FHA loans require as little as 3.5% down; Conventional loans can start at 3% down for first-time buyers; Jumbo loans typically require 10–20% down. Dan Freshley can also identify down payment assistance programs in Maryland, Virginia, and DC.

Question 7

How do I get pre-approved for a mortgage with Dan Freshley?

Accepted Answer

Visit danfreshley.com or call (301) 332-9432 to schedule a consultation. Dan will review your income, assets, credit history, and purchase goals to issue a pre-approval letter, typically within 24 to 48 hours for complete applications. NMLS #196245.

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