“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.”


Jeff Dobrzykowski – Branch Manager
NMLS #155799 Licensed in MD, PA, and VA.

Jeff has worked in the mortgage industry since 2005.  As a Loan Officer and Branch Manager, he has served over 1,200 borrowers.  Currently, he manages the DML branch in Bel Air.  Jeff is a graduate of Calvert Hall’s Class of 2000.  He attended the University of Maryland for two years where he cheered the Terps basketball team to a Final Four and National Championship and the football team to an Orange Bowl.  He transferred to and graduated from Loyola College.

Jeff and his wife, Katierose, have four kids – Isabella, Jeffrey, Ava, and Dominic.  You can typically find them somewhere in the mid-Atlantic on a soccer or lacrosse field or at a gymnastics competition.

Jeff chooses DML for the culture, friendships, opportunities, and the quality of life they provide.

Quote to Live By: Always be humble and kind.

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!


410.878.9737 (o/f)

443.722.1680 (c)


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.