Flexible mortgage lending for first time buyers and repeat buyers as well as refinance options
Explore flexible options for the best mortgage loans and discover the perfect mortgage solutions with Dan Freshley Home Loans, trusted mortgage lenders for first time buyers and seasoned investors.
As a trusted mortgage resource for repeat home buyers or first time buyers, we provide tailored options to meet your financial needs.
Whether you're exploring competitive fixed-rate loans, unique self employed borrower options, a construction loan, or a Doctor & Physician specific mortgage product, our expert team ensures a smooth and informed process.
Let us guide you to the dream of homeownership with solutions that work for you and your specific needs.
Contact us today to learn more!
FIXED RATE MORTGAGES
The Right Loan for You
A fixed-rate mortgage locks in your interest rate for the entire life of the loan — meaning your principal and interest payment never changes, regardless of what happens in the market. Dan Freshley Home Loans offers fixed-rate options in 10, 15, 20, 25, and 30-year terms, giving you the flexibility to match your loan structure to your financial goals.
A 30-year fixed is the most popular choice for buyers who want the lowest possible monthly payment. A 15-year fixed saves significantly on total interest paid and builds equity faster. For borrowers who want something in between, 20 and 25-year terms offer a middle ground that many lenders don't even offer.
Fixed-rate mortgages are ideal for buyers who value predictability, plan to stay in their home long-term, or are purchasing in a rising rate environment. Dan will walk you through the numbers on each term so you can make a fully informed decision before you commit.
Call or text (301) 332-9432 to discuss your options.
JUMBO & PORTFOLIO MORTGAGES
Solutions for Unique Property Owners with Unique Incomes
Jumbo loans are mortgages that exceed the conforming loan limits set by Fannie Mae and Freddie Mac — currently $806,500 in most Maryland, Virginia, and DC markets. If you're purchasing a higher-value property or need financing that falls outside conventional guidelines, a Jumbo or Portfolio loan is often the right solution.
Dan Freshley Home Loans has been originating Jumbo and Portfolio mortgages for over 25 years, with access to programs that most lenders simply don't carry. One standout option: 90% financing with no mortgage insurance — a program that can save high-balance borrowers thousands of dollars per year compared to conventional alternatives.
Portfolio loans are held by the lender rather than sold to the secondary market, which means more flexibility on underwriting — useful for borrowers with complex income, multiple properties, or non-traditional financial profiles.
If you own a high-value property or are purchasing in a competitive market like Bethesda, Potomac, McLean, or DC, call Dan at (301) 332-9432 to explore what's available.
GOVERNMENT LOANS FHA | VA | USDA
A Brighter Future
Government-backed mortgage programs exist specifically to make homeownership more accessible — with lower down payment requirements, more flexible credit guidelines, and in some cases, no down payment at all.
FHA Loans are insured by the Federal Housing Administration and require as little as 3.5% down. They're popular with first-time buyers and borrowers rebuilding credit, and allow gift funds to cover the down payment entirely.
VA Loans are available to eligible veterans, active-duty service members, and surviving spouses — and offer 100% financing with no private mortgage insurance. For those who qualify, it's one of the most powerful mortgage benefits available.
USDA Loans offer 100% financing for properties in eligible rural and suburban areas — including parts of Maryland, Virginia, and beyond that many buyers don't realize qualify.
Dan Freshley also works with a variety of Down Payment Assistance programs available to buyers throughout MD, VA, and DC. If you're not sure which program fits your situation, call (301) 332-9432 — that's exactly the conversation Dan is built for.
CONSTRUCTION LOANS
Thinking of Building Your Dream Home?
Building a home from the ground up requires a different kind of financing — one that funds construction in stages and converts to a permanent mortgage when the build is complete. Dan Freshley Home Loans offers construction loan programs designed to make that process as straightforward as possible.
Construction loans typically work as a short-term line of credit that draws down as each phase of construction is completed — foundation, framing, mechanicals, finishes. Once the home is complete and the certificate of occupancy is issued, the loan converts to a standard mortgage.
One-time close construction loans combine both phases into a single closing, saving borrowers time, money, and the hassle of qualifying twice. This is often the most efficient path for buyers who have their builder selected and plans approved.
Whether you're building a primary residence, a vacation property, or an investment project, Dan will help you understand which construction financing structure makes the most sense for your timeline and budget. Call (301) 332-9432 to start the conversation.
BANK STATEMENTS & ALTERNATIVE DOCUMENTATION MORTGAGE
Options for Self Employed Borrowers
Self-employed borrowers, business owners, freelancers, and high-income earners who write off significant expenses often face a frustrating reality: their tax returns don't reflect what they actually earn. Traditional mortgage underwriting relies heavily on W-2s and tax returns — which can make conventional financing feel out of reach.
Bank Statement loans solve that problem. Instead of tax returns, these programs use 12 or 24 months of personal or business bank statements to document income — giving lenders a more accurate picture of a borrower's actual cash flow.
Other alternative documentation programs include asset depletion loans, which calculate income based on liquid assets rather than earned income, and 1099-only programs for independent contractors and consultants.
Dan Freshley has spent 25+ years helping self-employed borrowers navigate these programs and close loans that other lenders turned down. If you've been told you don't qualify because of how your income looks on paper, that conversation may not be over. Call (301) 332-9432 to find out what's actually possible.
1ST TIME HOME BUYERS
A Brighter Future Through Home Ownership
Buying your first home is one of the most significant financial decisions you'll ever make — and it doesn't have to be as complicated as it seems. Dan Freshley Home Loans specializes in guiding first-time buyers through every step of the process, from understanding your purchasing power to getting to the closing table with confidence.
First-time buyers have access to several programs specifically designed for them — including FHA loans with 3.5% down, conventional loans with as little as 3% down, and a range of Down Payment Assistance programs available throughout Maryland, Virginia, and DC that can significantly reduce or eliminate the upfront cash required.
Dan also works with Maryland's SmartBuy and other state-level programs that address student loan debt alongside home purchase financing — a combination that opens doors for buyers who assumed debt would hold them back.
The first step is a no-pressure conversation to understand your situation and map out the most realistic path to ownership. Call or text Dan directly at (301) 332-9432 — he picks up.