Ben Richards – Loan Officer

NMLS # 1757723

Ben Richards has been in the mortgage industry since 2018. Prior to originating mortgages, he worked in commercial real estate. His favorite part of originating mortgages is witnessing clients transform from being sometimes concerned, intimidated, and skeptical individuals to educated, prepared and confident homeowners. Ben is proud to work at DML with the added value and reputation DML and the Dobz Group provide.

In his free time, he enjoys spending time outdoors, weather permitting. Whether it’s a round of golf, or just a walk around the neighborhood with his fiancé and his fox red lab, Rooster, fresh air always gives Ben a boost.

Quote to live by: “Nothing in this world can take the place of persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent. The slogan ‘Press On!’ has solved and always will solve the problems of the human race.”
― Calvin Coolidge

Ready to get started?

Don’t start the home buying process at an open house. Your first step should be a mortgage pre-approval. By talking with your loan officer, you can determine if you qualify for a loan and how much you can borrow. A pre-approval gives you a leg up when it comes to a competitive and quick moving real estate market – some sellers and agents won’t accept your offer without it!

Download our new app or apply now to get the process started!


443.275.0040 (o/f)


When you work with Direct Mortgage Loans, you’ll receive prompt, personal service that enhances your home buying experience. We provide real-time updates that allow us to keep you updated every step of the way. The entire loan process, from application to closing is managed in-house – this results in a shorter loan process. Every employee of our company has direct access to all processors and underwriters. We have built a business that is recognized for integrity, excellent service and efficient processes.


All the tools you need in one app! Calculate your mortgage options, scan encrypted paperwork from you app, message your loan officer and more.



Are you ready to begin the home search? The first step is to get pre-approved. Our online application is simple, fast and provides us with the information to begin the process.