About David Baca
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.
