Gerald B. Zapol

Loan Officer
NMLS: #1025482
Phone: P 301.956.2912 | 301.922.7957

Gerald and his team guided us and help us through the entire process. Many times they went beyond what were expecting From keeping us informed as to where ee were in the process, answering all our questions to quelling any concerns we had from time to time. My wife Kelly and I cannot recommend Gerald and his team highly enough, but every chance we have, we will.

  • DK

    Dale Gaithersburg, MD

    22 November 2024

The mortgage that’s right for you.

Whether you’re a first time home buyer or buying your dream home, I’m here to help you understand your financing options and find a mortgage you can manage.

Our Peace of Mind Process

Let’s
Talk About You

Let’s talk about your current financial situation and goals to determine loan options that work for you.

Apply
Online

HomespireGO® makes getting pre-approved for a mortgage effortless! Apply online in as little as 10 minutes.

Let Us Do The
Work

Once you submit your application, we’ll work our mortgage magic to get you pre-approved and fully underwritten.

Clear To
Close

Our three favorite words! Your loan is approved and we’re ready for settlement day!.

Ready. Set. Home.

Apply for a mortgage in as little
as 10 minutes.

Digital Mortgage Experience

An experience you’ll love, from your couch to the coffee shop! Apply for a mortgage in as little as 10 minutes, then conveniently upload and e-sign documents within the app.

Peace of Mind

Goodbye paperwork! Securely scan and send mortgage documents for total peace of mind, knowing that your information is kept private.

Real-time Updates

Stay up-to-date with real-time notifications on the progress of your application and watch your loan move from approval to closing!

Download the HomespireGO® App

for an effortless mortgage experience.

Hear From Real Clients

Highly rated reviews from happy homeowners!

Hear from Happy Homeowners

See what my clients are saying

  • Gerald and his team guided us and help us through the entire process. Many times they went beyond what were expecting From keepi...read more

    DK
    Dale Gaithersburg, MD
    22 November 2024
  • Professional, friendly and quick response times. Thank you.

    EM
    Edwin Joel Silver Spring, MD
    16 November 2024
  • Gerald is a master at his craft. He was very professional throughout the whole home buying process. He makes Homespire the best home lender in the DMV...read more

    CO
    Cristian Montgomery Village, MD
    09 October 2024
  • Exceptional communication! Gerald and his team made the home-buying process smooth and straightforward, guiding me every step of the way and providing...read more

    SM
    Sherwyn R Gaithersburg, MD
    07 September 2024
  • Great to work with!! Excellent communication Easy all the way through!!

    MJ
    Martin Blue Bell, PA
    24 August 2024
  • Keep me updated of my loan status and remind me what should I do next.

    KC
    Karen YU Silver Spring, MD
    07 August 2024
  • Gerald will work day, night, weekends, and holidays to ensure a smooth loan process! Absolute pleasure!! He’s a serious deal saver!

    S
    Shelley Eyler-Whysall
    16 March 2021
  • Gerald took the time to find the best possible mortgage option to help me reach my home and financial goals. Everyone on his Team was on top of everyt...read more

    AH
    Autumn Huntington, WV
    20 July 2024
  • Gerald and Jen were both wonderful to work with. Everything went extremely smooth from start to finish. Worked with Jen during the process and she ...read more

    CW
    Cathy L Harpers Ferry, WV
    18 July 2024
  • Gerald is so friendly and knowledgeable. Buying a home for the first time on my own, I was a little apprehensive about the process. Gerald and Jen we...read more

    ME
    Melanie Stone Marriottsville, MD
    16 July 2024
  • The whole team kept me up to date with info. Great sense of urgency, made the experience easy to get thru.

    BP
    Brent Arthur Glenelg, MD
    10 July 2024
  • Quick feedback and quick turnarounds

    MK
    Mohan Myersville, MD
    04 June 2024
  • Everything was as expected and well communicated. The title company was happy too at how smooth it went which is a huge compliment

    MC
    Michael J Thurmont, MD
    31 May 2024
  • Gerald Zapol made this an exceptional journey toward home ownership.

    ER
    Eric A Laurel, MD
    24 May 2024
  • Working with Gerald, Kempes, Todd and Giselly was quite a wild ride with getting the funding and the documents to make closing possible but the entire...read more

    SJ
    Savon K Waldorf, MD
    22 May 2024
  • Gerald was very informative of the prepress and any questions I had. Gerald was easy to talk to and promptly answered any questions I had.

    JR
    Joseph Fred Dominic Montgomery Village, MD
    21 May 2024
  • Gerald provided us with good recommendations, worked fast and accurately, and got a mortgage for us. We really enjoyed working with Gerald

    VS
    Viktor A Germantown, MD
    14 May 2024
  • Everything was simple and easy!

    SW
    Sean Washington, DC
    14 May 2024
  • Communication was clear which made everything to go through in a timely manner.

    YB
    Yayah Upper Marlboro, MD
    09 May 2024
  • Gerald and team were highly responsive, and took the time to clarify and call us if they needed additional info. They are the fastest lenders in town...read more

    AR
    Anna M Kensington, MD
    24 April 2024
  • Ability to give great advice and timely response to questions asked.

    AF
    Abimbola Upper Marlboro, MD
    16 April 2024
  • The communication, explanation and stress free!

    HC
    Hugues Elkridge, MD
    07 March 2024
  • Gerald and his team were phenomenal. There were there for us through every step of the way. They answered all of our questions and walked us through t...read more

    CR
    Chelsea Athena Woodbridge, VA
    04 March 2024
  • The entire team was knowledgeable and fun to work with. My wife and I never felt pressured or rushed. 10 out of 10 would do again, but they helped us ...read more

    CL
    Connor Mac Columbia, MD
    25 February 2024
  • Great service and awesome smooth process.

    CO
    CAROL LYNETTE Vine Grove, KY
    21 February 2024
  • Gerald is always so nice to chat with, and very personable. He also gets the job done quickly and efficiently. I have used him twice now to close on m...read more

    TL
    Teresa Marie Columbia, MD
    18 February 2024
  • Very responsive, prompt and always available to answer our questions.

    AC
    Alekhya Rani Gaithersburg, MD
    12 February 2024
  • All the team is working hard very liable friendly great people great boss

    SS
    Sreelatha Montgomery Village, MD
    03 February 2024
  • Gerald was fantastic! He answered all of my questions incredibly thoroughly and was very responsive. I knew that if I needed to reach him I would hav...read more

    SK
    Stephanie D North Potomac, MD
    02 February 2024
  • Gerald B. Zapol

    Loan Officer

    NMLS: 1025482
    Gaithersburg
    Phone: P 301.956.2912 | 301.922.7957

    9711 Washingtonian Boulevard Suite 500,

    Gaithersburg, MD 20878

    Hi There,

    I am a third generation Washingtonian who currently lives and works in Rockville, MD. I have been married for 39+ years and have two children – a son and a daughter – and as of 2021, my first granddaughter. I am a proud graduate of the University of Maryland Smith School of Business with degrees in accounting and finance, and I have spent last 40 years involved in real estate, both locally and nationally. My go-to activity to relax is a 25-50 mile bicycle ride on the weekend along with a golf game thrown in for good measure – maybe a little less now that I am a PROUD grandparent.

    Gerald B. Zapol

    LICENSE INFORMATION

    Licensed in AK,AL,CO, CT, DE, DC, FL, GA,IL, IN, KY, LA, ME, MD, MA, MI, MN, NJ, NC, OH,OK,PA, RI, SC, TN, TX, VA, WV.

    Regulated by the Colorado Division of Real Estate.

    DE License #MLO-1025482. Exp: 2024. Licensed by the Delaware State Bank Commissioner to engage in business in this State.

    GA License # 1025482. Georgia Residential Mortgage Licensee.

    NEW JERSEY RESIDENTS: New Jersey law prohibits discrimination in housing. Click here for additional information.

    Borrowers: The Oregon Division of Financial Regulation (DFR) oversees residential mortgage loan servicers who are responsible for servicing residential mortgage loans in connection with real property located in Oregon and persons required to have a license to service residential mortgage loans in this state. If you have questions regarding your residential mortgage loan, contact your servicer. To file a complaint about unlawful conduct by an Oregon licensee or a person required to have an Oregon license, call DFR at 888-877-4894 or visit dfr.oregon.gov.

    Licensed Mortgage Banker by the PA Department of Banking.

    Rhode Island Licensed Lender.

    TEXAS CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. COMPLAINTS REGARDING THE SERVICING OF A MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TX 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 877-276-5550.

    A complaint form and instructions may be downloaded and printed from the Department’s website located at www.sml.texas.gov or obtained from the department