Mike Tozzolo
Branch Sales Manager | NMLS #85358
Cell: 202-669-9667
Office: 443-541-5545
Direct: 443-391-8108
Fax: 443-247-5307
7470 Technology Way, Suite O, Frederick, MD 21730
Everyone deserves a place to call home! With over 17 years in the industry, Senior Mortgage Banker Mike Tozzolo finds true joy in assisting families with their homeownership dreams. With their best interest at heart, Mike’s main goal is to educate his customers on the best loan programs for their unique situation. He is easily accessible throughout the process and strives to maintain a direct and forthcoming approach with his customers and business partners. Mike’s specialties include one-time close construction programs and military housing opportunities.
When he’s not helping people find the home of their dreams, Mike is likely playing golf, spending time with his family and friends, or supporting local organizations like Frederick Land Trust and the Frederick chapter of Habitat for Humanity.
Quote to Live By: “Measure twice; Cut once;”
THE REVIEWS ARE IN…
Excellent team to work with for a mortgage!! Andy Betz was so organized and he answered every question along the way no matter day or time! Cynthia Cruz was also excellent to work with! We’d highly recommend their mortgage services
Amy and her team provided outstanding financial services which enabled me to purchase my new home. Selling my old house got complicated and time became of the essence. Amy and her team worked very hard ro massage the numbers so that, in the end I was able to purchase my house! I would highly recommend Direct Mortgage to any one that needs assistance with a mortgage. This team goes up and beyond to get you there!!!!
Amy Wolff and her team were truly accommodating throughout the entire loan process. My husband and I were first time homebuyers and unfamiliar with the process. Amy and her team made us feel comfortable and understood. They were patient and very thorough.
My experience with The Amy Wolff Team was amazing from start to finish. Andy Betz was the processor I worked with. He was patient, kind and very responsive! The process took a few years of us fixing things and getting things in order but he guided us all the way through to the finish line! 21-25! We finally did it!!!
We feel so fortunate to have found the Amy Wolff Team while purchasing our first home! Andy was a steady source of information & genuine support during an unfamiliar process. The entire team was accessible, professional and kind every step of the way. Thank you!
Amazing experience working with Andy Betz!
Would highly recommend him as your loan officer. Great communication, professionalism, frequent and timely updates, patience, and thorough explanations to all your questions. Helped to make both the home search and loan process an enjoyable one.
Would highly recommend him as your loan officer. Great communication, professionalism, frequent and timely updates, patience, and thorough explanations to all your questions. Helped to make both the home search and loan process an enjoyable one.
Andy Betz is who helped my husband and I and he was absolutely amazing. He answered all our questions every step of the way, he is for sure who you want! We got a new construction and used a VA loan and are first time home buyers so we knew NOTHING going into this and he helped SO much!! His experience is a blessing!!
Working with Andy as the loan officer for my daughter and son-in-law’s first home purchase was an excellent experience. As their REALTOR®, I truly appreciated his professionalism, clear communication, and dedication to making the process smooth.
I was very pleased with his service and highly recommend him to any homebuyer. Great partner for clients and for us real estate professionals!
I was very pleased with his service and highly recommend him to any homebuyer. Great partner for clients and for us real estate professionals!
Working with Direct Mortgage Loans was an absolute pleasure from start to finish. They were incredibly knowledgeable, responsive, and genuinely invested in helping me find the best possible loan option. Every step of the process was explained clearly, and I never felt rushed or pressured—just supported.
What really stood out was their attention to detail and commitment to making sure everything went smoothly. Even when unexpected questions came up, Mike and Cynthia were quick to provide clear answers and helpful solutions. Thanks to them, what could have been a stressful experience turned out to be smooth and even enjoyable.
If you’re looking for a lending agent who combines professionalism, expertise, and a truly personal touch, look no further. I can’t recommend DML’s
Agent’s enough!
What really stood out was their attention to detail and commitment to making sure everything went smoothly. Even when unexpected questions came up, Mike and Cynthia were quick to provide clear answers and helpful solutions. Thanks to them, what could have been a stressful experience turned out to be smooth and even enjoyable.
If you’re looking for a lending agent who combines professionalism, expertise, and a truly personal touch, look no further. I can’t recommend DML’s
Agent’s enough!
The Amy Wolff team made my wife and I's first home buying experience as smooth as possible. We worked mainly with Andy, Cynthia, and Roni in our process. Andy was willing to walk through everything step by step with us and line by line, explaining everything to us if we needed. We had some issues with our seller but they were there with us every step of the way, making sure we understood what was happening. Later in the process, when the time came for our loan, Cynthia and Roni were fantastic. They were very thorough with gathering all the information so that we didn't have to go back and forth a lot gathering new information. Ultimately we had a great experience with the Amy Wolff team and we would definitely recommend them to anyone looking to buy. Especially a first time home buyer.
Everyone on Amy’s team was incredible! Laura was kind, patient, and always communicative - just like Amy and Cynthia. As two queer men, it meant a lot to work with a queer- and trans-friendly mortgage team. We felt seen, supported, and respected throughout the entire process. We truly cannot recommend Amy Wolff’s team enough. Thank y’all for helping us secure our new home!
Amazing team! They are going above and beyond for their clients. Everything went smooth in our transaction and communication was great! Mr. Andy Betz was incredible. Very helpful and patient, and made sure he answered all of our questions. Also helped us giving us the right information each time. Highly recommend!
Andy Betz from the Amy wolf team helped me through the mortgage process from start to finish. He was very communicative throughout the whole process and made it very easy for me. Even my Realtors commented about how easy it was working with the Amy wolf team, specifically the communication and how quickly they got me cleared to close. I would recommend Andy and the Amy wolf team to anyone looking for a mortgage.
In 2020 I was searching for a home while going though a divorce. The Amy Wolff team helped me to achieve that.
I was being laughed at or not even called back by other banks or loan companies. Amy's team helped me gain the confidence with my credit and financial independence to be able to become that rare millennial home owner at age 32. Never once was the answer "no" when the house i was looking at was within my budget. Great team to have help you buy your home.
I was being laughed at or not even called back by other banks or loan companies. Amy's team helped me gain the confidence with my credit and financial independence to be able to become that rare millennial home owner at age 32. Never once was the answer "no" when the house i was looking at was within my budget. Great team to have help you buy your home.
I had a great experience working with the Amy wolf team! Mike was amazing, he was always quick to respond and answered any questions I had. They are a wonderful team and I would recommend them to anyone!
Amy and the folks at Direct Mortgage are a great team that are always available when you need them. Over the years, they've had our best interests at heart and in turn they've had our trust. A great combination.
They are an amazing company. They helped from the ground up to make sure I get my home and I can definitely say I could have not done it with out them.
The Amy Wolff Team at Direct Mortgage Loans made my first home-buying experience absolutely seamless. Their expertise, responsiveness, and genuine care made all the difference, and they continue to be a reliable resource whenever I need assistance. Their dedication to their clients goes beyond just closing a loan they truly prioritize your needs and ensure you feel supported every step of the way. I couldn’t have asked for a better team to guide me through the process, and I highly recommend them to anyone looking for top-notch mortgage services. They’re simply the best!!
Amy and her team were instrumental in making our cross-country move a seamless experience. They were not only friendly but also highly competent and helpful at every stage of the process. The tools they utilized kept us informed about upcoming requirements, simplified the uploading and accessing of documents, and provided real-time status updates on our progress. The entire experience was transparent and thoroughly informative. I wholeheartedly recommend Amy and her team and will undoubtedly turn to them for any future needs. Thank you, Amy and team!
I cannot thank The Amy Wolff Team enough for their amazing service in helping me secure my home loan. Mike and Cinthya were absolutely phenomenal—friendly, responsive, and genuinely invested in my success every step of the way. Mike went above and beyond to answer all my questions, ensuring I felt confident and informed throughout the entire process. Before finding them, I had a terrible experience with another loan officer, so working with this team was a welcome relief. They made the entire closing process remarkably smooth and stress-free. I highly recommend The Amy Wolff Team for all your mortgage needs!
The Amy Wolf Team was fantastic. The loan process was seamless. I would highly recommend anyone who is looking to buy a home or refinance a home to contact Amy Wolf .
We had an amazing experience with Direct Mortgage Company in securing our new home! From start to finish, Andy was there every step of the way, providing expert guidance and support. His dedication and knowledge made the entire process smooth and stress-free. We truly appreciate the personalized service and commitment to helping us achieve our homeownership dream. Highly recommend!
Amy and her team were awesome! The entire process was easy and smooth. Entire mortgage was done online and she was able to help me secure a bridge loan as well. My wife and I are extremely pleased and highly recommend her and her team!
I would recommend direct mortgage and Amy's crew to anybody who needs a mortgage.
The team are all super nice, responsive, and knowledgeable! We worked with Amy, Mike T, and Cynthia. All were very friendly and helped explain terms from the process that we didn't quite understand. They helped us figure out the numbers so they were just right and the process was long but not difficult at all. Thank you to the Amy Wolff Team for helping us buy our 1st house!
Refinancing my home was simple with the Amy Wolfe team. Mike Tozzolo and the whole team communicated with me well and got my deal to close quickly. Cashout and a lower interest rate. You can't beat that!
Mike T and the Amy Wolff team made my wife and I first home-buying experience seamless and enjoyable. Their expertise and dedication were evident every step of the way, guiding us through the process with patience and clarity. We couldn’t have asked for a better team to help us purchase our first home. Highly recommend!
Andy Betz made our first time home buying experience outstanding. He was very patient with us and walked us through every step of the way.
Well I know is lots of paperwork now but at the end was successful,because the whole crew work together with me now I have my home . Thanks to each of one of ( Direct Mortgage Loans (DML) any one needs buy or refinance they’re really good people .
Very beautiful team very outstanding puro and professionalism thankyou amy to you and your team I know all the people you service are very happy
Amy Wolfe an team were really great to work with during our home buying experience. Definitely will recommend to other people. Mike T was awsome he would call an check in almost every week tosee how things were going.
Thanks to the Amy Wolff team specially to Andy he was very professional, the best of the best highly recommend
The best team in Maryland they will guide and help you thru the all process to get your loan and your house THAK YOU GUYS
Mike and Cynthia were great! Between answering my millions of questions and being there every step of the way, they made our home buying process a breeze! I will definitely be referring any friends or family who are interested in buying or refinancing their homes!
Andy and the team were great to work with! Extremely responsive, kind and professional. Andy walked us through each step of the process and thoroughly reviewed our options to make sure we were making the best decision for our refinance.
My wife Alexandra and I just successfully closed on our first home in four months, thanks to the Amy Wolff Team. We worked with Roni Sierra and Cynthia Cruz, who were there every step of the way, ensuring everything was completed smoothly. We couldn't have asked for a better experience or a better team. We are already referring friends to the Amy Wolff Team and will continue to do so. I wish all processes were this quick and efficient. We are thrilled to be first-time homebuyers, all thanks to Direct Mortgage Loans and the Amy Wolff Team!
Mike was amazing, walked me through every step and kept me informed in a timely manner. Incredible service!
I was very pleased with the white glove service I received from the Amy Wolff team. They were very responsive and explained the process in detail at every step of the way. I would certainly recommend their services to anyone.
Mike stepped into a bad situation and resolved all of my closing issues faster than I ever thought possible! Thank you Mike and the Amy Wolff Team.
I am very happy and pleased to Have provided my business to the lender Amy wolf team. This lender works with clients in all states. I will like everyone who read this review to know that Andy Betz has an outstanding customer service. He worked with me above and beyond in every steps of the loan application all the way. He made himself available for any questions, requests, and services I needed. He was reachable at any moment even on the weekend to proceed on the loan applied for and get the approval as soon as possible. I will recommend him along with the Amy wolf team for everyone who is planning to buy a home and/ or and encourage anyone else to take the initiative to start thinking of buying their dream home.
Whoever read my review to consider it into making the decision to buy a home and use Andy Betz as his/her lender.
I will like to thank everyone who have read my review and take it into consideration .
Whoever read my review to consider it into making the decision to buy a home and use Andy Betz as his/her lender.
I will like to thank everyone who have read my review and take it into consideration .
As usual the Amy and her team exceeded expectations! Closing occurred on time without a hitch
Great work very easy process and very helpful throughout the whole process
I worked with Amy and her team this year and I am so glad we chose her! Amy was pleasant every time I talked to her and thoroughly explained everything in detail. We had 6 people on our deed so trying to get everyone to respond to her time sensitive emails was a bit challenging, but Amy never showed any frustration even though she had every right to. Amy had some great ideas for some of our challenges and suggested things we would have never thought of on our own. There were several changes throughout the process and whenever an issue came up, Amy and her team always had an answer to resolve the problem. Highly recommend! ⭐️⭐️⭐️⭐️⭐️
I had the opportunity to work with Mike Tozzolo who is part of The Amy Wolf Team at Direct Mortgage Loans. Mike was able to assist me with the loan application and whole process in a timely, efficient and professional manner. I am really grateful to Mike and his team. I will continue working with them in my future home purchases. Thank you Mike and “Amy Wolf Team”
Wonderful experience!! Amy and her team were able to take us on quickly after a bad experience with another lender, and were still able to have us close on our house in a timely manner. I would definitely use them again for a home purchase or refinancing.
We were handled with care! Thanks Andy for always being there at pretty much any hour that we needed you ! This is such a great team and company. Your in great hands with Andy . He will not steer you wrong!
I just closed on my second home with Amy Wolff and Direct Mortgage Loans! There is a reason I went back to them for my second home closing and a refinance. This time I worked with Andy Betz and the process could not have been smoother. Communication was frequent throughout and everything was done more quickly then I could have imagined. If Andy didn't hear from me he made sure to check in to see if I needed anything, which was extremely helpful. Finally, after closing, DML sends a lovely sketch of the home bought. I have two now, and it's a lovely gift. I will consistently turn to Amy's team and DML! Thank you Andy!
I have had the pleasure of working with Amy for going on 7 years and have completed 2 different personal mortgages with her and can tell you that you will not find a more caring, compassionate, or creative loan officer anywhere. If anyone can get the job done, it will be Amy - she consistently goes above and beyond the call of duty for the client. If you are looking for transparency, honesty, and integrity, look no further. Amy is the best. Period.
Direct Mortgage Loans The Amy Wolff is our lifetime choice
Best Choice for any home purchaser or any refinancing process , we’re extremely happy and satisfied with Amy and Andy and the whole team
we couldn’t make it if we didn’t choose this company to handle our mortgage
Best Choice for any home purchaser or any refinancing process , we’re extremely happy and satisfied with Amy and Andy and the whole team
we couldn’t make it if we didn’t choose this company to handle our mortgage
Why isn’t there 6 stars? If you need a loan this is the place to go. Amy and her team go over the top with your needs. It took me some time to get into my property, about 2 years, to be exact. Amy assigned Mike to my case. Mike literally checked in weekly to see if I had any questions. And if I did they got back to me right away. They maneuvered my case with grace, precision, knowledge, no nonsense, and a great result. They even helped me after I closed and lived in my place for some time. This can only be the place to go. Can’t wait for the Amy Wolf team to help me with my next property.
The Amy Wolff Team was amazing to work with! Andy Betz was so helpful and made the process as easy as possible. I definitely want to work with them for my next home purchase or refinance!
Couldn't ask for a more responsive and helpful lender during the first time home buyer process!
What an amazing experience!!! The Amy Wolff team was on point with everything answered all my questions. Closing was easy!!! I highly recommend the Amy Wolff team. I was first a first time home buyer and I will most definitely used them again didn’t think it would be this easy
Loved the fact that they made you feel important and reassurance every step of the way! Amy was great helping us understand what was going on and Andy was AMAZING getting us to closing! Highly recommend them to everyone.
You’ll never regret using the Amy Wolff team. Always professional and innovative. Don’t waste time with any other mortgage team because this team has it all!!
Amy and her team were a dream to work with when financing the purchase of our home in 2020. Her team was responsive, approachable and dependable! Not only were they great to work with during the purchase of the home, but they have celebrated their clients and provide fun annual incentives and events. I recommend them to all my friends and family and would use them again in a heart beat. Thank you Amy and team!
The Amy Wolff Team is always willing to go the extra mile for their customers. They are diligent, knowledgeable, and hardworking. Not only are they willing to put in 100% professionally, but the Amy Wolff Team consistently has giveaways or events for their clients to show their appreciation. I highly recommend trusting them with your mortgage loan needs!
Amy and her team and Andy Betz are top-notch communicators and always look out for their buyers! Smooth transaction, and they were even able to get my client some extra assistance that really helped with settlement.
Amy’s Team works so hard to get your clients the home of their dreams. They have always been able to close on time or clear to close early!
They communicate regularly to insure all parties are in the loop. Call them you won’t regret it!
They communicate regularly to insure all parties are in the loop. Call them you won’t regret it!
Amazing, personable, and efficient service. If you need a mortgage lender, your search ends here
Great lender and attention to detail, also very knowledgeable of local programs love referring to my clients!
Amy “s team Is thorough, detail oriented and kept us updated . They took great care of our client.
Amy and her team have been super helpful to my clients, especially to many of my first time home buyers. Walking them through the loan process, responding super quickly, and coming up with creative solutions in difficult situations. Highly recommend them!
Amy and her team were a God send. I am so grateful for their help and support. Without them, we wouldn't have been able to obtain our dream home. Thank you so much!
Amy Wolff is the single most authentic person I know. Her mortgage knowledge exceeds her peers and her customer’s experience is her primary focus. If you have the opportunity to have Amy and her team help you with your mortgage, don’t hesitate. Take it! She is amazing!
Andy was really helpful during the entire closing process, he and the whole team of The Amy Wolff did a fantastic work!
Even when unexpected obstacles arose, Amy and her team didn't give up - they got us all the way to settlement through diligence and hard work.
If you are looking Amy Wolff up, consider yourself lucky !!!
Amy and her team are phenomenal. There is no way i would ever consider working with other lenders. nobody can match their level of expertise and make the process as easy. They were also so patient and always took time to answer my 1001 questions. Thank you Amy and everyone else on the team, you are rockstars.
Amy and her team are phenomenal. There is no way i would ever consider working with other lenders. nobody can match their level of expertise and make the process as easy. They were also so patient and always took time to answer my 1001 questions. Thank you Amy and everyone else on the team, you are rockstars.
Before we met Amy and the team I had 4-5 mortgages before and very good experience. However Amy did incredible job. There are no enough stars here for review!
Amy and whole team big Thank you!!!
Nana and Tomislav
Amy and whole team big Thank you!!!
Nana and Tomislav
Was buying house from parents estate. Ran into so many problems with register of wills office but Amy and Mike saw through all issues and I'm now in my house. Thank you guys
Hi, I had a very good experience with the Amy Wolf Team. There is a lot to getting a mortgage loan and the Amy Wolf
were extremely good during the entire process. Also the tutorials were very helpful. I appreciate all of the Amy Wolf Team’s hard work.
were extremely good during the entire process. Also the tutorials were very helpful. I appreciate all of the Amy Wolf Team’s hard work.
As first time home buyers, we are so glad that we worked with Amy and her team at Direct Mortgage Loans! We truly didn't know much and definitely needed lots of hand holding through this process but Andy, Cynthia and Rachel made it such a breeze that we barely felt like we did any work! They were so incredibly available and responsive all the time and we were never hesitant to ask a question as they were always so friendly to help and take the time to explain certain things so that we understood the process completely. We recommend Amy Wolff Team to anyone who wants to work with a great team who really knows what they're doing and will make sure you keep moving along and keep it as stress-free as possible.
5 stars! Thank you so much Andy for always being there during the process! And always got back to me quickly as possible! Thank you Cynthia and Rachel for your kindness as well! 🫶 I definitely recommend to anyone! 😊
The Amy Wolff team are amazing in what they do, very patient and understanding. No time limit, even after hours when I will get off late there was always someone I could reach out on any question or advice I may need. Even after my purchase and being confuse who to send my first mortgage payment, I was still able to reach out and get the answer I needed. I recommend giving them a call if your unsure if you qualify, they can help you get on track
The Amy Wolff Team is my go-to lender; since 2016, they've helped me with new mortgage for my principal home, headache-free refinancing, and a pre-approval. I refer the Amy Wolff Team to friends and family, and they've each had GREAT experiences with Amy Wolff Team as well. Highly recommend!
The Best! Amy quickly found solutions to all of my problems
looked at the property on 12-26-22 a holiday and made the offer
which was accepted 12-27-22! Excellent! could not have done it with out the Wolff team
looked at the property on 12-26-22 a holiday and made the offer
which was accepted 12-27-22! Excellent! could not have done it with out the Wolff team
They have gone beyond my expectations for the purchase process. I was able to get assistance the whole way through, and someone was always available to contact me back with additional support. Andy went above and beyond to explain the process for me , and made sure that he communicated with every part of the team. I cannot give enough praises to this team and a job well done !
The Amy Wolff Team of Direct Mortgage made buying our home a smooth experience. I have use them before and when we re finance we will surely use them again. Thank you for all you hard work and taking great care of us.
I have used The Amy Wolff Team for two different purchases. I was referred to Amy and her team when relocating to Baltimore City. For our first property I was interested in applying for some of the grant programs through the city and was becoming overwhelmed. Amy and her team guided me through the process, was patient with the timing and hold ups with application processes and were able to help me quickly pivot when things didn't come out as planned.
Our second property we would be co-signing with a family member on their first home. The entire team was patient and informative on the process, what to expect and how we cold plan for the future to transfer ownership.
I would actually call Direct Mortgage Loans before I even contact a realtor.
Our second property we would be co-signing with a family member on their first home. The entire team was patient and informative on the process, what to expect and how we cold plan for the future to transfer ownership.
I would actually call Direct Mortgage Loans before I even contact a realtor.
We love The Amy Wolff Team of Direct Mortgage. We never thought we would own our own home but 3 years ago they helped our dream come true. The process was smooth and on closing day Amy was even there to celebrate with us. Even though they had done their job, they did not forget about us. We get birthday and holiday cards every year along with a yummy pie for Thanksgiving. The nicest gift of all is the hand drawn portrait of our forever home that we proudly display in our front room for everyone to see. We hear from others who have visited our home that they have never heard of a lender doing the things that The Amy Wolff Team does for it's clients. Thank you for going above and beyond what is expected of you. You are AWESOME!!! God bless you.
Kevin and Debra Johnson
Kevin and Debra Johnson
We purchased our home in 2011 and refinanced it for the first time few years ago using this team and mortgage company. It's been a smooth process working with them each time. Amy W. is someone I've known for 12+ years outside of business. Through her team and knowing her personally, we trust their team and look forward to continuing using them and referring people to them. It's also nice seeing them do special things in the community. Gifting teachers during COVID and receiving an awesome apple pie for Thanksgiving are just some of the small things they continue to do to show appreciation. They're a pretty fun and inviting team.
I can not say enough about Amy and her awesome team. It’s definitely team work and they are on your team from the start. We are thankful for Amy’s Direct mortgage. We have used them to buy two houses and will be back in close to two years to refinance. Thanks for all you’ve done for us.
Extraordinary service doesn't do the Amy Wolff Team justice. They go above and beyond, demonstrating exemplary service from start to finish and beyond. You are updated every step of the process and provided quick responses. I simply cannot say enough about Amy and her team of pros. They set the bar THAT high!
It was good. It was rocky at first, but we made it through. Interest rate was difficult to bring down after talking about it back and forth. But it was a success when Amy Wolff Team brought down the interest rate and we received a terrific deal with them. They’re awesome people to work it and guide us through everything we needed to know through emails and phone calls. They’re good with explaining with details even though it is small. Kudos!
I am so thankful for the Amy Wolff team!!! I am self-employed, which poses challenges all within itself and when no other financial institution was capable of doing so, they moved mountains to get my financing completed. If any other buyer had a team like Charlie, Michelle, Dale and Cynthia, they would truly understand how thorough and efficient this team of geniuses are. I have nestled into my newly built house and I will forever be grateful to them. Thank you!!!
I have being buying homes since mid 90's, I have not come across such an outstanding team of loan personnel like the Amy Wolff's team of Direct Mortgage lender. Their professional acumen and ethics are superior to none. I do plan to continue to use this team for my future mortgage loan. Similar, I will continue to recommend the team to my family and friends if they need mortgage finance.
Top tier company! Customer service focused! Would never even consider using a different mortgage company for my next purchase. Andy ensured that everything was fast and easy, all while not cutting any corners. He was ALWAYS available to answer my questions and run scenarios. Andy and The entire Amy Wolff Team will always have my business and my referrals! Thank you!
I had a new home built and Amy and the Direct Mortgage Team was there to walk me through the entire process. Andrea was extremely helpful navigating through the paperwork. Amy is upfront and very knowledgeable. She is so easy to work with and talk to. She answered my questions made me feel comfortable with my investment. I highly recommend Amy and the Direct Mortgage team when purchasing a home.
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