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- Gerald B. Zapol
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HOME
ABOUT US
- Gerald B. Zapol
CONTACT ME
LOAN OPTIONS
Mortgage Calculator
REVIEWS

HOME
ABOUT US
- Gerald B. Zapol
CONTACT ME
LOAN OPTIONS
Mortgage Calculator
REVIEWS

HOME
ABOUT US
- Gerald B. Zapol
CONTACT ME
LOAN OPTIONS
Mortgage Calculator
REVIEWS

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Ready to Take the Next Step Toward Homeownership?

Whether you’re purchasing your first home, refinancing an existing mortgage, investing in real estate, or exploring financing options, Gerald B. Zapol at Homespire Mortgage is here to help you achieve your goals with confidence. Every borrower has unique needs, which is why personalized guidance and customized mortgage solutions are at the heart of every client relationship. From the initial consultation to the closing table, you’ll receive professional support, clear communication, and expert advice designed to simplify the mortgage process and help you make informed financial decisions.

Contact info

(301) 922-7957
gzapol@homespiremortgage.com
540 Gaither Rd ste 400 Rockville, MD 20850

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NMLS CONSUMER ACCESS

Copyright © 2026 | Gerald B. Zapol | NMLS: 102542

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Equal Housing Lender, Homespire Home Loans is a division of NFM Lending, LLC NMLS #2893, www.nfmlending.com, © 2025 NFM Lending LLC. America’s Common Sense Lender® Trade/service marks are the property of NFM Lending, LLC and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

CUFVR Loan Programs

Equal housing lender. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. LTV’s can be as high as 96.5% for FHA loans. FHA minimum FICO score required. Fixed rate loans only. W2 transcript option not permitted. Qualifying credit score needed for conventional loans. For USDA loans, 100% financing, no down payment is required. The loan amount may not exceed 100% of the appraised value, plus the guarantee fee may be included. Loan is limited to the appraised value without the pool, if applicable. Veterans Affairs loans require a funding fee, which is based on various loan characteristics. Sales price cannot exceed appraised value.

Pre-Approval

The pre-approval may be issued before or after a home is found. A pre-approval is an initial verification that the buyer has the income and assets to afford a home up to a certain amount. This means we have pulled credit, collected documents, verified assets, submitted the file to processing and underwriting, ordered verification of rent and employment, completed an analysis of credit, debt ratio and assets, and issued the pre-approval. The pre-approval is contingent upon no changes to financials and property approval/appraisal.

Pre-Qualified

Please note that the pre-qualification does not constitute a commitment or a loan approval, but is instead a preliminary assessment of your current credit worthiness.

Interest Rates

Interest rates are subject to change daily and without notice.

FTC Advisor

NFM Lending is not a Financial Advisor, Tax Advisor or Credit Repair Company. You should consult with a Financial Advisor, Tax Advisor or Credit Repair Company to learn more.

DPA

All Down Payment Assistance Programs have different requirements and contingencies; please consult with the Loan Originator to discuss your options. For more information, please visit: (include link to down payment program). You will need to apply for a first mortgage loan with NFM Lending, LLC. in conjunction with any down payment assistance program. All information contained herein is subject to change at any time. A training class might be required. All DPA programs require to apply for a 1st and 2nd mortgage.

HELOC

Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Interest rates are subject to change daily and without notice. NFM Lending is not a Financial Advisor, Credit Repair Company or Tax Consultant. Please make sure to consult your own Financial Advisor, Credit Repair Company or Tax Consultant to determine what may be best for your individual needs. All of the market information contained in this marketing material has been gathered from different mortgage sources. The important thing to remember about a home equity line of credit is the interest rate is variable and adjusts with the prime rate, which means the amount of interest you pay could fluctuate up or down following interest rate trends over the course of the draw and repayment period.

Testimonial

Testimonials appearing on this advertisement are individual experiences of those who have used our services. All reviews contained in this advertisement have been collected from Experience.com. For more information please visit https://www.experience.com/reviews/gerald-zapol.

Jumbo_ARM

*This product is primarily for a borrower with good credit (700 FICO or better) but a low Loan-To-Value (80% max). Debt-to-income ratios apply. Investment condos not allowed.

Edge Home Finance is your trusted mortgage partner. Offering expert guidance and competitive rates to make home financing simple and stress-free. Whether you’re buying a new home or refinancing, our dedicated team is here to help you secure the best loan options tailored to your needs. Contact us today to get started!