ABOUT DIRECT MORTGAGE LOANS
Since 2007, Direct Mortgage Loans has been committed to assisting individuals nationwide in navigating the mortgage process with ease. Our team of experts, led by Michael Naylor and Ashley Mills, is dedicated to delivering exceptional mortgage solutions while building lifelong relationships with our clients and industry partners.
We understand that every individual’s financial situation is unique. That’s why our approach is tailored to fit your needs, with personalized service, clear communication, and a seamless experience from application to closing and beyond.
With a proven track record of successfully funding tens of thousands of loans, we are confident in our ability to deliver a hassle-free and enjoyable home financing experience.
OUR MISSION, VISION AND VALUES
“We wanted our Mission, Vision and Values to be real statements that we actually could live by – inside of DML, and really, outside of DML. They’re how we measure all of our decisions and a part of everything that we do every day.”
-Mike Naylor
DIRECT MORTGAGE LOANS’ EXECUTIVE LEADERSHIP TEAM
DIRECT MORTGAGE LOANS HISTORY
Ashley Mills and Mike Naylor, co-founders of Direct Mortgage Loans, met while working as entry-level sales representatives at a local mortgage company. Their mutual commitment to delivering exceptional mortgage solutions and building lasting relationships laid the foundation for their successful business partnership. Drawing on their extensive experience as Branch Managers in the mortgage industry, Ashley and Mike have utilized their skills and dedication to establish Direct Mortgage Loans as a leader in the industry. Through hard work and perseverance, they have created a company that is committed to providing exceptional service to its clients and making a positive impact in the lives of its DML employees.
2011
Direct Mortgage Loans, LLC officially opened.
2012
Direct Mortgage Loans relocated headquarters to its current location in Hunt Valley, Maryland.
2013
Underwent rapid growth and achieved $150 million in yearly volume.
2014
Created and implemented branch model and became a sponsor of the Baltimore Orioles.
2015
The infamous magnetic DML koozies were released.
2016
DML switched business focus from mainly refinance to purchase and was named as one of Inc 5000’s Fastest Growing Private Companies in America.
DML conducted an organizational assessment which resulted in the development of the Mission, Vision, and Values of the company, and the creation of DML’s Pride and Customer Experience & Innovation committees.
- DML broke the $1 billion lending mark and became an industry leader in the mortgage industry.
2017
Direct Mortgage Loans was awarded the Ellie Mae Hall of Fame award for Excellence in Compliance Automation.
2018
DML rehabilitated the Loving Arms shelter in Baltimore, Maryland; Partnered with Simple Nexus and launched our DML app to provide an on-the-go, and secure mortgage experience for clients and partners.
2019
The Partner’s Club benefits expanded to include an exclusive trip for Partner’s Club members.
2020
DML became an exclusive lending partner of the National Fraternal Order of Police.
2021
Received Fannie/Freddie Mac direct seller approval.
2022
Received Freddie Mac servicing approval and was awarded Top Workplaces USA (#5 ranking) for the first time. Launched the online DML swag shop and hosted our first DML Fest, a company-wide celebration of learning, volunteerism and comradery.
2024
First division established in Arizona.
WHAT SOME OF OUR HAPPY CLIENTS HAVE TO SAY
Simplify the loan process and get expert advice
-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.
Join our team of solution-focused individuals. Our DML family shows up every day ready to hustle, have fun, and make a difference in our clients’ lives. We are focused, driven, and have high expectations for ourselves and each other, because we are always delighted, and never satisfied.