Welcome!
Welcome to Harman Team , powered by The Yi Team Mortgage On A Mission! I’m Derek Harman, senior mortgage advisor. Let’s get you home with confidence. Here’s everything you need to know.
Buying a home is a big deal, and we’re here to make it smooth, stress-free, and even a little fun.
We don’t just do mortgages—we structure them with your bigger financial and housing goals in mind.
With 14 years of experience and thousands of happy homeowners, we’ve built a process that’s fast, transparent, and proactive.
You’ll get regular updates, quick turn times to meet your deadlines, and a team that stays in full control from start to finish—no surprises, just smooth sailing to closing day.
Plus, we throw in some cool tools and unexpected gifts to make the journey even better.
And when your loan closes, you can feel good knowing it’s making a positive impact on the community. Let’s do this!

FAQ
How long does the mortgage process take?
We close fast. Like, really fast. Our Perfect Loan Process keeps everyone on the same page, so your loan moves smoothly from start to finish. You’ll get regular updates (so will your real estate agent), and we’ll make sure you close on time, without surprises.
What documents will I need?
We’ll guide you through exactly what’s needed, but typically, you’ll need pay stubs, tax returns, bank statements, and ID. The good news? Christa Fitch, our mortgage rockstar, will help handle all the details, so you don’t have to stress.
How much will I need for a down-payment?
It depends! Some loans allow as little as 3% down, and there are even zero-down options available. During our Discovery Call, I’ll review your financial picture with you and help structure the best mortgage strategy to build your wealth—because buying a home isn’t just about getting the keys, it’s about setting yourself up for long-term financial success. Ask about our Total Cost Analysis.
What’s the difference between pre-qualified and pre-approved?
A pre-qualification is a quick estimate of what you might be able to borrow, but a pre-approval is the real deal—it means I’ve reviewed your income, credit, and assets so you can shop with confidence and stand out to sellers. And because communication is our thing, we’ll keep you updated throughout the process so you always know what’s next.
Will I be left in the dark during the loan process?
Absolutely not! My team and I believe great relationships and communication are the key to success. That means you’ll hear from us regularly, and so will your real estate agent. You’ll always know where things stand, what’s next, and when you can expect to close.
Why should I work with you instead of my bank?
We’re not just about loans—we’re about helping you build wealth and reach your financial goals. We take the time to structure a mortgage that works for you now and in the future. Plus, banks are known for being slow and impersonal. We’re the opposite. With faster closings, clear communication, and a team that actually picks up the phone, we make sure your experience is smooth from day one.
Home Loan Time Line with Derek Harman


Say Hi to Harman Team
Hey, I’m Derek Harman—and if you’re buying a home, you’re in the right place. I’ve been helping people through the mortgage process since 2011, and I still get fired up every time I get to help someone move into a place they can call home.
Originally from Petersburg, West Virginia, I moved to Delaware in high school, then played college baseball at Salisbury University (go Seagulls!), where I earned my degree in Mass Media Communications and a minor in Psychology. (Turns out, both of those come in handy in the mortgage world!) I’ve lived in Virginia, DC, and Maryland, and I truly love the unique feel of each one. These days, I live in Maryland with my amazing wife and our two daughters—who keep me humble and laughing every day.
When you work with me, I’ll bring the calm to what can sometimes feel like a chaotic process. I’ll walk you through your options, help you make smart decisions, and make sure you feel taken care of from start to finish.
You’ll also hear a lot from Christa Fitch, my secret weapon and the person who keeps everything running like clockwork. Christa is a licensed loan officer and production partner who makes sure your loan stays on track, your questions get answered fast, and your stress level stays low. Clients love her—and honestly, I don’t know what I’d do without her.
Together, Christa and I have built a loan experience that’s organized, supportive, and surprisingly fun. We’re more than just a mortgage team—we’re your partners in homeownership, and we’re in this together. Scroll down to read my 5-star reviews, and let’s get you home with Derek Harman!
Guides & Resources


Find out what people are saying about Team Harman
We strive to give every borrower and referral partner a 5 star service. We have over 100 testimonials to back that up. Click below for our Zillow reviews to see what others are saying!