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.


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.


David is licensed in AL, AZ, CO, DC, DE, FL, MD, NC, PA, SC, TX, and VA

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)

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.

VP of Mortgage Lending

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)

Annapolis

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2 Loan Officers Annapolis, MD