Denise Stephens

  • Senior Mortgage Banker
  • NMLS: 698705
  • (301) 841-9142
  • (301) 520-7023
  • (301) 841-9151
  • 10339 Southern Maryland Boulevard, Suite 209
  • Dunkirk, MD 20754
  • - 5.0
Survey Completed on November 22, 2020

Reviewed by Karen R Smith
"It's always a pleasure working with Denise Stephens. She is honest, confident and efficient. I've worked with Denise on numerous transactions because she's reliable, quite knowledgeable of the various financial programs and always closes transactions on time. Denise is hardworking and dependable which is necessary when selecting the program that best fits the needs of my clients, which makes my job as a Realtor very successful. "

  • - 5.0
Survey Completed on November 19, 2020

Reviewed by Tanisha Elliott Evans
"Anytime I needed to reach my lender Denise she was always available. I had a difficult loan because of my complex financial situation. She was very knowledgeable and assured me if I followed her instructions everything should be okay. I felt like I had someone in my corner during this stressful time. There were no surprises and she explained each step of the lending process, since I was a first time home buyer. I’m so happy that we closed on our dream home within 30 days on time!!"

  • - 5.0
Survey Completed on November 17, 2020

Reviewed by Ronald J Watts Jr
"Mrs. Denise was very knowledgeable and easy to reach . She was pleasant and positive with all advice and steps of the process . She was amazing !!!!"

  • - 5.0
Survey Completed on November 3, 2020

Reviewed by Iris L Johnson
"Good communicating and quick follow ups. "

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.


Is A Second Stimulus Check Coming Your Way?
Is A Second Stimulus Check Coming Your Way?
Nov 19 2020   first time buyer first home first mortgage home loan apply for a first home loan
Many Americans have been eagerly awaiting news about a second economic relief package, including a second round of stimulus checks. President Donald Trump and both parties in Congress have voiced their support for another round of financial aid. As... Read More
How Can I Qualify For A Veteran Home Loan
"How Can I Qualify For A Veteran Home Loan"
Nov 11 2020   va loan home loan for veterans government loans for home improvement refinance cash out refi
VA home loans have impressive rates and terms, making them some of the most desirable mortgage loans to apply for. Curious as to what it takes to get a veteran home loan? Here's everything you need to know to get started. How To Know if You Qualify... Read More
How To Make An Offer On a Pending Home Sale
How To Make An Offer On a Pending Home Sale
Nov 4 2020   first time buyer first home first mortgage home loan apply for a first home loan
Finding an ideal home only to see "pending" on the listing can be disheartening, but it shouldn't be. Most real estate websites will post "pending" as soon as a seller accepts an offer, but that does not mean the deal has gone through. Read on to... Read More
Home Affordability  FAQ--Answered!
Home Affordability FAQ--Answered!
Oct 28 2020   first time buyer first home first mortgage home loan apply for a first home loan
Uncertainty can make buying a home more arduous than it should be. Let's take a look at some of the most frequently asked questions about mortgage affordability. How Do I Determine My Housing Budget? Many get stuck at this point because they want to... Read More

Get Started

Pre-qualify for a loan in a few simple steps

Apply Now

Fill out your Secure Application

View Testimonials

See what our clients are saying: