Why Get Pre-Qualified?

1. Pre-qualification acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most, and is free.

2. While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.

3. These days most sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step towards getting you in your new home.


Tom Latta

Loan Originator 
NMLS# 223758 
443.391.5169 (o) 
877.831.2836 (f) 
231 Najoles Road, Suite 100 
Millersville, MD 21108 

About Me

I have been a Loan Officer for more than 13 years, having begun my career in Long Island, NY. I have always had the benefit of working in-house for real estate agents. I specialize in FHA, VA, and 203k rehab loans. 

Residential Mortgage Loan Originator NMLS# 1660591 , Equal Housing Lender, 231 Najoles Road, Suite 100 / Millersville, MD 21108


MD- Mortgage Lender Licensee ( 22992 )


Mission Statement

"I strive to make the home-buying experience as simple and painless as possible."


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Direct Mortgage Loans is a licensed, direct lender committed to outstanding mortgage solutions and building lifelong relationships. The knowledge and experience of our professional loan officers, processors, and underwriters is the foundation of our company. We have earned a reputation for integrity, excellent service, intelligent staff and efficient processes. When you work with Direct Mortgage Loans, you'll receive prompt, personal service that enhances the home buying experience. Direct Mortgage Loans is an Equal Housing Lender. Information about our company, including our licenses, can be found at www.nmlsconsumeraccess.org and on our license page.

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