Denise Stephens picture

Denise Stephens

Senior Mortgage Banker | NMLS: 698705
  • (301) 520-7023
  • dstephens@monarch1893.com

1 Research Court, Suite 345
Rockville, MD 20850

Welcome to my website

Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you\'re dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.

After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.

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Falling Mortgage Rates Could Revitalize the Housing Market – What It Means for Buyers & Sellers

Mortgage rates have dropped to their lowest levels since December, making homeownership more affordable. Learn what this means for buyers and sellers in today's market.

Published on 03/19/2025

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Selling Your Home? What You Need to Know About Capital Gains Taxes

Learn how capital gains taxes work when selling your home and how to reduce what you owe. Consult a tax professional for personalized advice.

Published on 03/12/2025

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Why Now Is the Time to Apply for a Mortgage

Mortgage demand is surging as rates drop. Don't wait—now's the time to apply and lock in your opportunity before competition heats up.

Published on 03/05/2025