“I truly love assisting people through this time of stress, and making the process simple and easy.”
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 Advisor
Derek is the quarterback of this team.
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
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.
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!
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.
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.
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!
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.
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!