Your home. Your loan. Go Direct.
Start Your Home Journey Here With Direct Mortgage Loans
We make the home financing process simple, fast, and personal. As a direct lender, we handle everything in-house, giving you a smoother experience and quicker approvals. Trusted by thousands of families and backed by award-winning service, we’re here to help you achieve homeownership with confidence.
- No fees to apply. No commitment to get started.
- Award-winning service. Real loan officers. Real speed.
Local programs: Go Direct 100% FHA, MMP and more
Find the right loan for your situation
Every borrower is different. Our loan officers help you identify the right loan type, the right program and the right strategy for your goals, then stay with you every step of the way.
★ Exclusive DML Program
Go Direct FHA 100 Financing
- 0% Down payment
- 580 Min. credit score
★ Veterans Go Direct
VA Home Loans
- 0% Down payment
- No PMI
- $250 donated
Low Down Payment
FHA Loans
- 3.5% Min. Down payment
- 580 Min. credit score
Strong Credit
Conventional Loans
- 3% Min. Down payment
- 620 Min. credit score
Zero Down
USDA Loans
- 0% Down payment
- 640 Typical credit score
Non-traditional lending
Non-QM Loans
- Built for unique financial paths
- Flexible income documentation
See all loan programs →
*Closing costs and prepaid expenses may still apply.
Think you may qualify?
Pre-approval takes 60 seconds to start and a real loan officer reviews your profile, usually within one business day.
A first-class experience,
start to close.
We reach out, not the other way around
When you get in touch, you hear back from a real loan officer quickly. We answer your questions upfront so you can decide at your own pace.
Clear communication at every milestone
You know exactly where your loan stands throughout the process. No guessing, no chasing us down for updates.
- Your agent stays in the loop too
Your real estate agent receives proactive progress updates so everyone moves together and nothing stalls at the last minute.
We stay in touch after you close
The relationship does not end at the closing table. We check in after you settle in and are here when you are ready for what comes next.
See if you may qualify
Your loan officer is a real person, not a chatbot
50+
20+
4.9★
400+
Real people. Real results.
Experience why DML has been named a Top Workplace.


We had an great experience working with Tom Ford as our Loan Originator. From the very beginning of the loan application process through to the final approval, Tom was incredibly helpful, professional, and proactive.
Navigating a loan can be a stressful process, but what stood out the most was Tom's exceptional communication. He kept us consistently informed every step of the way, making sure we understood all our options and exactly what to expect next. He was always quick to answer our questions and went above and beyond to ensure everything went smoothly.
If you are looking for a knowledgeable professional who cares about his clients and takes the stress out of the mortgage process, we highly recommend Tom Ford! Five stars!

Brian was also incredibly attentive to market conditions and helped guide me through the right timing, ultimately assisting me in locking in a great rate. What really stood out was how thoroughly he walked me through all the paperwork and forms, making what could have been a stressful process feel smooth and extremely manageable.
If you’re looking for a knowledgeable, responsive, and genuinely supportive mortgage team, I can’t recommend Brian and Direct Mortgage Loans highly enough. A true 5-star experience!


Their professionalism and dedication really stood out, especially when it came to finding the best loan options for my situation and ensuring everything stayed on track for a timely settlement. I always felt supported and confident knowing they were handling everything behind the scenes.
Thanks to their hard work and expertise, I was able to successfully settle on my new home without any issues. I’m so grateful for their guidance and would highly recommend them to anyone looking for a reliable and trustworthy mortgage broker!


-Borndavid


Jessica was absolutely amazing to work with from start to finish. She was consistently prompt with her communication, professional, and genuinely committed to making the entire process as smooth as possible for us. Her guidance, clarity, and attention to detail made a huge difference and helped everything move forward effortlessly.
We truly appreciate all of her hard work and dedication. We will definitely work with Jessica again in the future and highly recommend her to anyone looking for exceptional service!
Highly recommend!

Our loan officer, Amber Vaziri, was an incredible guide, walking us through every step and patiently answering our many questions. They were always available, responding to our requests and inquiries promptly, which was invaluable during such an important time. This level of communication and personal attention made a huge difference.
DMI went above and beyond to ensure we understood our options and helped us secure the best possible deal for our situation. The level of professionalism, expertise, and genuine care we received was truly exceptional.



1. Advocating for us - When working with would-be sellers, Direct Mortgage was proactive in supporting us with pre-approval letters, turning these around quickly. They would answer any questions from the sellers; I never worried about Direct Mortgage being slow to respond. Their team vouched for us as buyers, which gave us strong offer packages, and contributed to our success.
2. Sophisticated use of data and technology - The emails we received from Direct Mortgage were helpful without being overbearing; their online portal was easy to navigate. When doing an initial consultation and in later calls, Hillary showed us how our different numbers (loan interest rate, down payment, number of points, etc.) would result in our different final package, timeline for breaking even, etc; this was very different than the approach other lenders took. As first time home buyers, it helped educate us and inform us about our options, so we could make the right decisions for us.
3. Hillary was responsive the whole time. We had tons of questions and what-if scenarios we wanted to understand, and Hillary answered all of these, showing her expertise and excellent communication. Whether on the phone, email, or a quick text, Hillary provided us the information needed in a friendly and professional manner.




Whether you’re a first-time borrower or not, Andy is someone you can trust to guide you through the process with professionalism and ease. I truly appreciated the personalized attention and dedication they provided—if you need a loan officer who’s got your back, look no further!










The Application was very simple to navigate.
Thank you!
His expertise and professionalism were evident from our very first conversation. Joe took the time to explain every detail, ensuring we fully understood our options and what to expect. He was always available to answer our questions and provide guidance, making us feel supported every step of the way.
Thanks to Joe's diligence and commitment, we were able to secure our mortgage quickly and confidently. His proactive approach and attention to detail made a significant difference, and we truly felt like we were in the best hands.
We can’t recommend Joe highly enough to anyone looking for a lender who will prioritize your needs and work tirelessly for your success. Thank you, Joe, for helping us achieve our dream of homeownership without a hitch!


































You've definitely found the right mortgage company Mrs Vanessa and her team made my loan process quick and easy! I definitely couldn't have asked for better assistance, they truly came through for my family and i.
Mortgage Resources
Every borrower is different. Our loan officers help you identify the right loan type,
the right program and the right strategy for your goals, then stay with you every step of the way.
Mortgage Calculator
Homebuying Guides
Mortgage Glossary
Mortgage FAQ's
More on mortgages from DML
Clear answers to the questions homebuyers ask most, written by the people who close loans every day.
BAH Calculator for VA Home Loans: How Your Housing Allowance Can Help You Buy a Home
Direct Answer: Your Basic Allowance for Housing (BAH) may count toward what you qualify for on a […]
First Time Home Buyer Loan Options and Programs
Buying your first home is an exciting milestone, but navigating the wide array of loan options and […]
Answers to the questions we hear most
If you don’t see your question here, talk to one of our loan officers directly. There’s no script and no call center. Just real people who know mortgages.
Ready to find out what you may qualify for?
We offer FHA, Conventional, VA, USDA, Jumbo and ARM loans, plus specialty programs for first-time homebuyers, single parents, first responders and investors (DSCR loans). Not sure which fits your situation? Talk to a loan officer.
FHA loans may accept credit scores as low as 580 with 3.5% down, and we also offer zero-down programs for eligible buyers. Qualification depends on your full credit and income profile, but we work with a wide range of situations.
We have closed loans in as little as 10 days. Because we underwrite in-house, approvals are not dependent on third-party timelines. Your loan officer can give you a realistic estimate based on your specific file.
Starting a quote does not require a hard credit pull. A hard inquiry is only initiated when you proceed to a full loan application, and we explain exactly when that happens before it does.


