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Our mortgage professionals are standing by to answer any questions or discuss next steps in the process.

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Welcome to

Direct Mortgage Loans is a licensed, direct lender committed to outstanding mortgage solutions and building lifelong relationships. The knowledge and experience of our professional loan officers, processors, and underwriters is the foundation of our company. WE have earned a reputation for integrity, excellent service, intelligent staff and efficient processes. When you work with Direct Mortgage Loans, you’ll receive prompt, personal service that enhances the home buying experience.

  • Named an Inc. 5000 Fastest Growing Company
  • Honored as one of Baltimore’s Top Workplaces by The Baltimore Sun
  • Baltimore Business Journal Best Places to Work Finalist
  • Proud Sponsor of the Baltimore Orioles
  • Committed to Community Outreach Services

Direct Mortgage Loans is an Equal Housing Lender. Information about our company, including our licenses, can be found at www.nmlconsumeraccess.org and on our license page.

Top Mortgage Employer 2019

Purchasing A Home

We are committed to helping you pre-qualify, apply and choose the right mortgage loan. Our licensed loan officers provide the personal attention required to achieve your goal.


Refinance Your Mortgage

If your goal is to refinance your loan, remodel your home or consolidate bills, our refinance loan officers are here to recommend the best options available.


Construction Loans

Considering building a new home?  Our lending professionals understand the process and can share more about your construction financing options. 


Your Career Path With DML

98% Overall Satisfaction

People Are Talking

  • Amanda has been absolutely amazing from the beginning of my process and continues well after I have settled on my home. From our first conversation to our first meeting that same day Amanda has made my first time buying a home an extremely easy progression.

  • As a first time homebuyer, Pam took the time to address all my concerns until I was comfortable. When they give you a settlement date they mean what they say! Having great folks like Pam and her staff makes the difference. They’re fast, efficient and most importantly, they listen and care.

  • I just recently completed a refinance with Amy – she was wonderful to work with. Her knowledge and expertise of the loan process knows no bounds based. Amy is the epitome of a great loan officer. I will definitely use Direct Mortgage Loans again.

  • Amy and her staff were exceptional with processing my loan. They went over several options and explained everything in great detail. Their patience with dealing with me was outstanding. They went out of their way to process the loan and made sure I was very satisfied with it.

  • Amy and her whole team made what seemed to me such a complicated process seem unbelievably easy. We felt extremely comfortable and confident the whole time and there was never any doubt that Amy would come through for me. Immediate communication and explanations were given every time I needed something.

  • Jeff was available at all hours to answer any of my questions/concerns. He explained every part of the process very well, which helped me understand every form that I had to fill out and its purpose. From pre-approval to close, I felt like I was in great hands every step of the way.

  • Amanda has been absolutely amazing from the beginning of my process and still continues well after I have settled on my home. From our first conversation to our first meeting that same day Amanda has made my first time buying a home an extremely easy progression. She was very patient and explained all the new processes we would be going through in a manner I could easily understand.

  • Amanda was an absolute pleasure to work with. Not only did she bend over backward to help us in any way possible, but she made sure everything was completed expeditiously. She is very relatable and shared her own home buying experience to see how things were going and to offer encouragement when we felt like we would never find the right house for us.

  • Amanda has helped us with multiple purchase and refinance loans. She thoroughly explained everything in a way that we could understand. She always responded to my numerous questions in a timely manner! Her level of expertise and knowledge was apparent from the first conversation and I have recommended her personally to everyone I know looking to get a home loan!

  • We found a house that we fell in love with but soon found out that our previous lender dropped the ball. We almost lost the house – but called a friend who referred me to Amy and her team and that was one of the best decisions we have made. I am giving them an A+ rating. They saved us and the home we love!

  • As first time home buyers, they made it easy and gave us all the information we needed. Pam and Natascha were helpful, quick and friendly. We closed in 25 days and it was incredible. We got an AMAZING interest rate and the house of our dreams. I can’t say enough good things about this team.

  • Amy was amazing. She made the process so easy…loved our experience. She helped put us in the best place in order to buy what we wanted. Amy helped us understand the process and she was always readily available even when she was on vacation. She also recommended us a great Realtor.

  • Having great folks like Pam and her staff makes the difference. They’re fast, efficient and most importantly, they listen and care. I was a first time home buyer, and Pam never made me feel inadequate, no matter how trivial the question was. She took her time and explained all my concerns until I was comfortable and understood. Thank you!!

  • My wife and I had a great experience with Direct Mortgage Loans. Their team was very thorough and knowledgeable and helped us through the process of buying a home for the first time. We would highly recommend them!

  • Our loan officer was helpful, efficient and knowledgeable. He contacted us about a reduction in the interest rate we were paying on our present home loan and explained how the reduction would reduce our monthly payment. The information he provided helped us make the decision to refinance our loan.

  • Everyone is great! Very speedy time for our loan. Very satisfied. Jeff was always helpful and even after our loan and during our first mortgage payment he is still available if we have any questions. We are so happy with our new home and the process!

  • I was very impressed with my loan officer Pam. She helped us get our loan with no problems. She was easy to contact and she called me back in a timely manner when I had questions. I really appreciate her for helping us and we are enjoying our new home.

  • The entire team was very helpful from start to finish. We closed the loan on time and everything went very smoothly. From the start of the transaction, Jeff and his team kept me in the loop as to the status of the loan. I felt very secure in their hands. All team members were very responsive to email and phone calls. They made this transaction go very flawlessly.

  • I was very impressed with how hard they worked to get us our loan approved. We closed 33 days after saying we wanted to buy our house. That is not the amazing thing about the story though. We were told by many companies that we would not be able to get approved for a loan. Direct Mortgage got us approved very quickly and did it very professionally. Thanks guys!

  • I cannot begin to express how helpful everyone at Direct Mortgage was, but I never could have gotten through this process without Jennifer. From beginning to end, she answered all questions that I had in the most kind, compassionate, caring way that she could. I was so happy that I could meet her at closing, because without her, I never would have been able to achieve my dream of owning my own home.

  • We would definitely recommend this company to all!! Everyone we spoke to and dealt with were phenomenal!! Jeff was EXCELLENT as well as Brian who did our settlement was GREAT and very thorough!! THANK YOU for our wonderful experience!

  • Pam was very patient and very knowledgeable about the whole process. She made a very stressful time easy and somewhat worry-free! She was very kind and patiently waited for all the issues to be resolved.

  • Since this was my first home loan they really walked me through everything, called and emailed me to keep me in the loop. Great service and knowledgeable people. I would use Direct Mortgage – I have already shared with my family and friends regarding the excellent service I received. Keep doing what you guys are doing. We need more Direct Mortgage people in this business.

Recent News

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  • Lindsey Farrell
    August 9, 2019

    Welcome Lindsey Farrell

    I wanted to take a moment to welcome Lindsey Farrell to our team! She joins us as a marketing and technology assistant in the corporate office. Lindsey...
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  • Renovations
    July 10, 2019

    DML Renovations

    #DMLrenovations are still in progress, but that didn’t hold us back from our first #happyhour! Our new space is amazing and we can’t wait to show you the finished...
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  • Simple Sacrifice
    July 10, 2019

    Simple Sacrifice Thanks

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  • Welcome Patrick Swope
    July 10, 2019

    Welcome Patrick Swope

    We’re happy to welcome Patrick Swope to The Jeff Dobz Team of Direct Mortgage Loans. Patrick comes to #DML from a background in teaching and coaching. He has grown his...
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  • 4th of July
    July 5, 2019

    Happy 4th of July

    Today, as we celebrate our nation’s independence, we thank the military men and women who have kept our country independent for 243 years. 🇺🇸 Happy #4thofJuly! #IndependenceDay...
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  • Brian Kelly
    June 20, 2019

    Welcome, Brian Kelly

    We are proud to announce that Brian Kelly has joined #TeamDML! With over 20 years in financial services, Brian has excelled in analyzing and finding solutions for both...
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  • Where in the World is DML
    June 20, 2019

    Where in the World is DML?

    Summer is coming … so where in the world is Direct Mortgage Loans? 🌎 Share your favorite photos with #DML swag. No adventure is too big or small! 🧳🗺 *Comment with your...
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  • June 5, 2019


    Progress report! Take a look at this beautiful space. Want to name our #culture cafe? Share your ideas with [email protected] If we pick your name, you win #DMLswag...
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  • June 5, 2019

    Governor’s Mansion

    The Mickey Steele Tournament Committee members were guests of Maryland’s First Lady at the Governor’s mansion on 6/3. We presented Mrs. Hogan with a donation from this...
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  • Mickey Steele
    May 22, 2019

    Mickey Steele Tournament

    We’re proud to support the mickeysteeletournament. Proceeds from this years tournament benefited Special Olympics Maryland, Rypien Foundation, Kent Island Volunteer Fire Department, and Kent Island Select Baseball. Thank you to Ron...
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