"Working with Mike and his team was great. They were always very professional, knowledgable and responsive. They were always very courteous with me and all my questions."
Brenda Suprek
"Mike was great. He was always fast answering my questions and patient. He didn’t make you feel like you were ‘just another customer’. It was a very personable experience. I’ve referred him to a few of my friends and will continue too!"
"Mike was our lending agent for 2 home purchases over the last 8 years. He is a true professional, easy to work with, responsive and very approachable for any questions we had. Mike was fantastic at keeping up apprised of the status of our loan and made sure we got the best mortgage possible. We recommend him to all our family and friends. 10/10!"

Michael Tozzolo – Branch Sales Manager
NMLS #85358 Licensed in GA, MD, PA, SC, VA, and WV.

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;”

Ready to get started?

Don’t start the home buying process at an open house. Your first step should be a mortgage pre-approval. By talking with your loan officer, you can determine if you qualify for a loan and how much you can borrow. A pre-approval gives you a leg up when it comes to a competitive and quick moving real estate market – some sellers and agents won’t accept your offer without it!

Download our new app or apply now to get the process started!


443.541.5590 (o)
443.541.5590 (f)


When you work with Direct Mortgage Loans, you’ll receive prompt, personal service that enhances your home buying experience. We provide real-time updates that allow us to keep you updated every step of the way. The entire loan process, from application to closing is managed in-house – this results in a shorter loan process. Every employee of our company has direct access to all processors and underwriters. We have built a business that is recognized for integrity, excellent service and efficient processes.


All the tools you need in one app! Calculate your mortgage options, scan encrypted paperwork from you app, message your loan officer and more.



Are you ready to begin the home search? The first step is to get pre-approved. Our online application is simple, fast and provides us with the information to begin the process.