Gerald B. Zapol

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

Ability to give great advice and timely response to questions asked.

  • AF

    Abimbola Upper Marlboro, MD

    16 April 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

  • 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
  • The communications with Gerald and his team

    JB
    Jerome Raeford, NC
    01 December 2023
  • very good experience what I used it great was that everything turned out well in the end and thanks to that I now have my house

    SC
    SABINO D Chicopee, MA
    14 November 2023
  • Permanent communication with Sohrab and complete honesty on numbers and rates.

    CW
    Charles-Herve Tommo Middletown, DE
    27 October 2023
  • Gerald was very professional and pleasant to work with. He answered all of our questions and the process was seamless

    XT
    Xavier Robert Germantown, MD
    21 September 2023
  • I liked his always quick and honest answers.

    SK
    Se Youn Ellicott City, MD
    06 September 2023
  • I can't write enough about the support Gerald provided us during the process of purchasing our new home. His communication was outstanding. Unlike my ...read more

    RA
    Rowa Kodi Germantown, MD
    11 August 2023
  • Very fast, responsive, and offered the best rate.

    EB
    Emily Young Winston Salem, NC
    11 August 2023
  • Gerald is the most efficient and informative loan officer i ever dealt with. He worked diligently and in a timely manner to produce outstanding result...read more

    FH
    Firaas Eltayeb Germantown, MD
    09 August 2023
  • As a first home buyer, this was an incredibly SMOOTH process and everyone was absolutely lovely!!

    CS
    Cara Marie Frederick, MD
    01 August 2023
  • Gerald was extremely easy to work with and worked hard to provide me with the best solution for my mortgage.

    LV
    Lisa Marie Pflugerville, TX
    10 July 2023
  • Todo bien cuando tenía dudas o preguntas me explicaron con detalles los pasos

    EC
    Edwin Gaithersburg, MD
    01 July 2023
  • Gerald is an outstanding loan officer, who takes a consummate and friendly customer best interest approach to lending advice that is invaluable. He a...read more

    r
    row791
    29 June 2023
  • Gerald made it all possible ! believe your team was very efficient & precise

    FC
    Felicitas P Silver Spring, MD
    29 June 2023
  • Everything!!

    RW
    Ronald E Silver Spring, MD
    28 June 2023
  • Explained everything in very simple terms. Made it very easy to get through the whole documentation process

    LZ
    Lucas Stephan Haymarket, VA
    11 June 2023
  • Gerald provide great service. Made the entire process fast and hassle free.

    SK
    Somaya Catonsville, MD
    08 June 2023
  • Communication

    JC
    Juan C Fort Washington, MD
    20 April 2023
  • Gerald is a wonderful human being and a great person to work with.

    AS
    Ahmaduddin Clarksburg, MD
    12 April 2023
  • Great experience

    MV
    Marisol Laurel, DE
    03 April 2023
  • 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: 2023. 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