Looking for the best possible solution to your mortgage needs? Talk with David Baca. Our goal is to understand what is important to you and help you through the mortgage process. A dedicated team with significant experience will provide the best possible communication throughout the process and successfully help you obtain your new home. Whether looking to purchase, refinance, renovate, or get a reverse mortgage, we're here to help!


As one of the most experienced and knowledgeable loan officers in the mortgage industry, David will listen to what is important to you and develop a solution to help you reach your goals. David can help first-time buyers with down payment assistance, move-up buyers with bridging strategies, and jumbo buyers with the best pricing in the market. He is one of the few lenders that knows all the unique products available such as asset depletion, interest only, departing residence qualification, and investment property purchases using your LLC. David is a specialist in VA loans, including VA renovation and VA construction-permanent loans, as well as all other renovation and construction-permanent loans.

SVP of Mortgage Lending

David Baca is your Gambrills local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, David is committed to helping homeowners with home purchase loans and refinances. Contact David at (443) 404-2041 for more information!

David Baca at Guaranteed Rate Affinity (NMLS #169642)

With over 25 years of experience in Real Estate, I am passionate about helping both first-time and repeat buyers as well as seasoned investors navigate the complex world of home financing. From the initial application to the final closing and beyond, I am committed to providing exceptional service and education to my clients. What sets me apart is a customer-centric Approach of prioritizing customer satisfaction Reassurance: Providing knowledgeable guidance throughout the process. Transparency: Clearly explaining terms, fees, and expectations. Simplicity: Streamlining paperwork for a smoother experience. Speed: Efficiently moving borrowers from application to closing. When I'm not helping clients secure their dream homes, you'll find me enjoying life with my three wonderful daughters. I love playing enjoy a round of golf or spending time at the beach. We love traveling and date nights at new restaurants or day trips to all the amazing places nearby. I've lived in Rockville for 30 years, graduated from the University of Maryland. I'm looking forward to being your loan officer for life, so give me a call today!

VP of Mortgage Lending

Jeff Lobel is your Gambrills local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Jeff is committed to helping homeowners with home purchase loans and refinances. Contact Jeff at (571) 510-8318 for more information!

Jeff Lobel at Guaranteed Rate Affinity (NMLS #145051)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Associate VP of Mortgage Lending

Dan Moore is your Gambrills local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Dan is committed to helping homeowners with home purchase loans and refinances. Contact Dan at (443) 687-0264 for more information!

Dan  Moore at Guaranteed Rate Affinity (NMLS #2398210)

Jay Franklin, Vice President, Mortgage Lending, has been originating mortgage loans in the Maryland area for over 25 years. Jay has received numerous awards throughout his career for his production and high level of customer service. He shares, "even after over 25 years of being in the mortgage industry, I still love helping buyers achieve their home buying goals. Whether helping clients purchase their first home, or assisting customers with second homes and investment properties, I truly enjoy my work and am honored to become their mortgage resource for a lifetime."  
Jay's work ethic was instilled in him early on and has helped him excel in the mortgage business. A lifelong Marylander, he was active in athletics growing up and continued through college. He explains, "The nature of the mortgage industry is competitive, and my background in playing and coaching sports has served me well." He adds, "In addition to helping people, I like that every day is different. It is a very fast paced industry and is by no means a 9 a.m. to 5 p.m. job."  
Jay's superior customer service and industry knowledge are additional traits that set him apart. He says, "I am available to clients no matter the time or day. The loan process can be as personal or impersonal as the clients prefer, but I enjoy interacting and meeting people. Our team gets everything upfront so the process is as smooth as possible from the initial application until the loan closes. It is a team effort. We work together to make each transaction a success."  
When Jay is not working with clients, he enjoys spending time with his wife, Kara, and two boys, Brooks and Tommy, and his chocolate lab, Hershey.

Jay Franklin is your Annapolis  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Jay is committed to helping homeowners with home purchase loans and refinances. Contact Jay at (410) 216-1680 for more information!

Jay Franklin at Guaranteed Rate Affinity (NMLS #199740)

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4 Loan Officers Gambrills, MD