Our Story: Empowering Financial Independence in the DC-Baltimore Region
Your financial independence is our mission. We believe the world is a better place when people are more financially literate and empowered to make wise investment decisions. Quite simply, we help you build wealth so you can have the life you want.
YOUR FINANCIAL INDEPENDENCE IS OUR MISSION.
We believe the world is a better place when people are more financially literate and empowered to make wise investment decisions. Quite simply, we help you build wealth so that you can have the life you want.
THE RIGHT LOAN
Matching you with competitive rates tailored to your needs.
THE BIG PICTURE
Seeing how your mortgage fits into long-term wealth building.
FINANCIAL LITERACY
Educating you in simple terms to build confidence.
START EARLY
Guiding first-time buyers and families toward generational wealth
"I Was Always Good With Numbers. Now I'm Good With Futures"
"With over 25 years as a mortgage officer, I've closed more than $1.5 billion in loans and helped over 4,000 families—from first-time homebuyers to veterans, generals, and even senators—achieve homeownership in the DC, Maryland, and Virginia areas. I've navigated the Financial Crisis, shifted to regional banks, and helped form Vellum Mortgage in 2020 to make lending 10x better with cutting-edge tech and lean staffing, now closing $1.0 billion annually.
Rooted in Annapolis, MD, with a strong family focus and military emphasis, my passion is relating to people, teaching in common words, and building confidence for the next generation. The 2008 crisis taught me a hard lesson: Too often, the industry pushes loans that fit lenders, not clients. People in the DMV real estate market deserve better—honest counsel, streamlined processes, and mortgages that build long-term wealth, like financial independence or retirement security.
That's why I reinvented the process: In-depth counseling, 100% accurate applications, and ethical partnerships with local agents. We're not about rates and points; we're about unlocking futures through smart DC mortgage loans, Maryland home financing, and Virginia home loans.
Most people work toward a home—I want your home to work for you."
Our Dedicated Team: Sharing the Same Vision
"As my business grew, I brought on a small, tight-knit team who live and breathe the same values I do—truly caring about people, providing honest counsel, and focusing on long-term financial success in the DC, Maryland, and Virginia areas.
Josh Brawer is my business partner and fellow Mortgage Advisor. We speak the same language, share the same core beliefs, and approach every client with genuine empathy. Many of our clients say they can't even tell the difference between us because we give the same thoughtful advice, whether it's navigating complex VA loans in Virginia or first-time buyer options in Annapolis. Learn more about Josh.
Then there's Vicki Wilkerson, our application-to-closing specialist. She's a guideline expert and document perfectionist who works seamlessly with underwriting and closing departments to make sure every loan closes effortlessly and on time—no stress, no surprises. Her attention to detail ensures our clients in the DMV real estate market get the smooth experience they deserve. Learn more about Vicki.
Together, we're not just a team—we're your partners in building a brighter financial future."