Helping seniors with reverse mortgages, asset depletion for clients of financial planners, and renovation loan borrowers in Maryland, Washington DC, Virginia, Delaware, and Pennsylvania buy homes with confidence, without the stress.


Hi, I'm David Baca, a mortgage loan officer based in Gambrills, MD, helping clients navigate the home financing process with clarity and confidence with 40 years of experience and thousands of satisfied clients.


I specialize in working with reverse mortgages, asset depletion, and renovation loan borrowers across Annapolis, Baltimore, Severna Park, Washington DC, Virginia, Delaware, and Pennsylvania offering tailored loan solutions and a smooth, transparent experience from start to finish.


Whether you're:  
- Looking into a reverse mortgage  
- In need of a renovation loan  
- Financial planner exploring asset depletion options for your clients  
- Looking into programs like DSCR or income without liquidation of assets  
I'll walk you through your options and help you choose the right strategy—not just the easiest one.


What sets me apart:  
- I talk with our clients and referral sources to help them through the process  
- I think about what is needed next and communicate this to ensure our clients know what to expect and when events will occur  
- Communication and being prepared for what happens next  
- Quick response and usually available immediately by phone. Yes, including weekends or evenings when you need assistance.  
- I provide a clear plan and fast responses


Do you need 20% down to buy a home?  
No—many buyers qualify with as little as 3–5% down depending on the loan program.  
What credit score do you need?  
It varies, but there are options available even if your credit isn't perfect.  
How much home can you afford?  
That depends on your income, debt, and goals—I'll help you break it down clearly.


I've helped clients throughout the Mid-Atlantic region secure financing for homes ranging from all prices and property types and I'm proud to be a trusted resource for both buyers and local real estate agents. I've been a consistent top producer and President's Club member. I'm an active member of my community Board (current President) and enjoy the local opportunities in our area.


Check out my client reviews to see what it's like to work together.


I believe this business is about relationships—and being someone people can rely on long after closing.  
If you're thinking about reverse, renovation, buying, refinancing, or just want to explore your options, let's connect.

SVP of Mortgage Lending

David Baca 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, 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 Annapolis 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)

Annapolis

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2 Loan Officers Annapolis, MD