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

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.

What types of home loans does Dan Freshley offer?

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.

Is Dan Freshley licensed to help clients outside of Maryland?

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.

What is a DSCR loan and who is it for?

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.

What areas does Dan Freshley serve?

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.

What is the minimum down payment to buy a home?

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.

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

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.

Client Reviews: What Maryland Homebuyers Say About Dan Freshley Home Loans

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

At Dan Freshley Home Loans, we believe the best way to understand what it's like to work with us is to hear directly from our clients. Below are testimonials from real Maryland homebuyers and homeowners who trusted Dan Freshley with one of the biggest financial decisions of their lives. Dan Freshley, NMLS #196245, has been serving Gaithersburg, MD and the surrounding area for over 25 years.

⭐⭐⭐⭐⭐ Lindsay — Real Estate Agent, Montgomery County

"Very knowledgeable and friendly! Daniel was able to get my buyer multiple grants to assist with her home purchase. He even showed up at the settlement table! I highly recommend Dan Freshley to any buyer or real estate agent looking for a lender who goes above and beyond."

⭐⭐⭐⭐⭐ Josephine B. — Home Buyer, Gaithersburg MD

"Dan and his team communicated very clearly what they needed to make this process go smoothly and quickly. Everyone was quick to respond back to me with any questions that I had. The entire process was seamless from pre-approval to closing."

⭐⭐⭐⭐⭐ Darrin P. — Home Buyer, Maryland

"Great service and an easy process, very professional and responsive. Dan made the entire mortgage experience stress-free. I would definitely use Dan Freshley Home Loans again."

⭐⭐⭐⭐⭐ First-Time Buyer, Montgomery Village MD

"As a first-time homebuyer, I was nervous about the entire process. Dan Freshley walked me through every step, explained everything in plain language, and got me into my first home with a down payment assistance grant I didn't even know I qualified for. Absolutely phenomenal service."

⭐⭐⭐⭐⭐ Veteran Home Buyer, Maryland

"Dan is the only lender I'll ever use for a VA loan. He knows the VA process inside and out, got us a great rate with zero down, and closed faster than any lender we've ever worked with. Thank you, Dan!"

Why Maryland Homebuyers Choose Dan Freshley Home Loans

25+ years of mortgage lending experience in Maryland, DC and Virginia
Personal service — you work directly with Dan, not a call center
Fast pre-approvals — most decisions in 24-48 hours
Expert in FHA, VA, Conventional, Jumbo, Bank Statement, and DSCR loans
Access to down payment assistance and grant programs
Shows up at settlement — Dan is hands-on through the entire process

Ready to Be Our Next Success Story?

Join hundreds of satisfied Maryland homebuyers who trusted Dan Freshley Home Loans to get them to the closing table. Call (301) 332-9432 or visit danfreshley.com/contact to start your free pre-approval today. Dan Freshley, Licensed Mortgage Banker, NMLS #196245. 18310 Montgomery Village Avenue, Suite 300, Gaithersburg, MD 20879.

DAN FRESHLEY HOME LOANS

America's Mortgage Lender