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The Yi Team – Mortgage on a Mission

The Yi Team - Mortgage on a Mission

Mortgage Experts in Rockville, MD

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  • LET’S GET STARTED
    • Apply With Chong Yi
    • Apply With Derek Harman
    • Apply With Erin Finke
    • Apply with Jessica Smith
    • Apply With John Walowac
    • Apply with Jon Ingram
    • Apply with Paul Defngin
    • Apply with Christa Fitch
    • More About Each Mortgage Advisor

Derek Harman, Senior Mortgage Banker

Derek Harman, Senior Mortgage Advisor

“I truly love assisting people through this time of stress, and making the process simple and easy.”

derek@theyiteam.com
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Derek Harman, Senior Mortgage Banker, NMLS #882287

I was born and raised in Petersburg, West Virginia, and I moved to Delaware when I was 14. I played baseball at Salisbury University, and graduated with a degree in Mass Media Communications and a minor in Psychology. I have lived in Virginia, the District of Columbia, and Maryland where I currently reside with my wife and two daughters. Having lived in these three areas, I have become familiar and fallen in love with each of their unique qualities. I have been in the finance and mortgage industry since 2011. For most people the loan process may be one of the most stressful times of their lives. I truly love assisting people through this time of stress, and making the process simple and easy.

I pride myself on customer service, professionalism, and integrity.   I have surrounded myself with the best loan officers and mentors in order to become the best I can be. I look forward to meeting, and creating an opportunity to earn your trust!


About Team Harman

You have a talented team of mortgage specialists who are in your corner! Take a look behind the scenes and see how your mortgage will come to life.

Derek Harman, Senior Mortgage Banker

Derek Harman

Senior Mortgage Advisor

Derek is the quarterback of this team.

Christa Fitch

Christa Fitch

Production Partner

You’ll hear from Christa as soon as you complete your application. She will work with you and everyone involved in your loan process to ensure a smooth process until the very end. Christa treats every loan as if it were her own!

Alicia Newberry

Alicia Newberry

Senior Loan Processor

Alicia takes allllll the information that’s been collected and analyzes it so it can be presented in the best way possible to the underwriters. You probably won’t hear from Alicia directly, but just know you need her on your team. She’s gonna make you look good.


Start Your Journey

Derek Harman and Christa Fitch

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!

Read Our Reviews

How Does This Work?

Although every loan is different, there are a few basics that you can expect to have happen when you apply for a home loan with Mortgage On A Mission.

The first one is great customer service! Expect to be wowed by these easy steps to start building your wealth with a well-planned mortgage.

We are dedicated to making your mortgage experience as easy as possible. We’ve developed a straightforward process for our home buyers that begins with a simple conversation and ends with a happy homeowner. Before you formally apply, we’ll start with a great conversation.

Start With A Conversation & Pre-Approval

Let’s get to know each other. We’ll talk over your home financing goals, set expectations for the process, and review your entire financial picture. It’s important to know how your loan works for you!

A crucial step in the mortgage process, getting pre-approved prevents you from missing out on your dream home, helps determine your budget and embeds any offer you might make with the weight of an entire local lending team.

Mortgage 101
Fill Out The Loan Application Online

With the help of your lending team, we’ll use the documents you’ve gathered for your online form to complete the loan application. Then, we’ll get to work on preparing your documents for you to complete.

Documents You Might Need
Get All Necessary Docs In ASAP

The most time-sensitive step in the process, at this stage your loan disclosure documents will be prepared and sent to you to be signed. Complete this step as soon as you receive disclosures and be sure to send in all supporting documents with them!

Understanding Your Mortgage Payment
Processing & Underwriting

Now the ball is in our court. Our in-house team of processors will work collaboratively and efficiently to review financial documents, order reports such as appraisal, and prepare your loan file for Underwriting.

An Underwriter will review your loan file to verify it meets lending requirements. This is when your loan is conditionally approved. If any further documents are needed we will let you know.

What Is An Appraisal?
Clear To Close!

The path to homeownership is clear! Expect to receive a Closing Disclosure outlining the terms of your loan shortly.
Be sure to sign your Closing Disclosure 3 days before settlement as required to close on time!

Start Your Journey
FAQ Mortgages During Quarantine

Let’s Get Started On Your Journey to Homeownership

A well planned mortgage helps to build your long term wealth.

Custom home loans designed to help you reach your goals,
with real people who guide you every step of the way,
for the life of your home loan.

Let’s Get Started

What’s Your Home Worth?

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Licensed in MD, DC, VA, DE, PA, WV, SC, GA, FL and IL

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The Yi Team is DBA of Vellum Mortgage, Inc. LLC NMLS #1657323– nmlsconsumeraccess.org – Equal Housing Lender.