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Home Purchase

  • First-time Homebuyer Programs
  • Grant Programs Available
  • Low Down Payments


  • Lower Monthly Payments
  • Build Equity Faster
  • Access Cash/Consolidate Debt

For more information contact:

Jeff Albaugh: NMLS # 789380

Joseph Bracken: NMLS # 375927

Amy Chmielewski: NMLS # 1227103

Michael Fithian: NMLS # 148871

David Fitzell: NMLS # 789383

Stephen Allen Haney: NMLS # 445865

Michael Johnston: NMLS # 789385

Brian Jones:NMLS # 789386

William Scott Lucas: NMLS # 147476

Karen Queen: NMLS # 763561

Dave Ranney: NMLS # 173557

Anthony Sos: NMLS # 789393

Ruth Swartz: NMLS # 205797

William J. Walker (Jay): MNLS # 789394

Michelle Wassmuth: MNLS # 789395

Matt Weaver: NMLS # 141514

David B. Wengernuk: NMLS # 704809

Jeff Albaugh:

Joseph Bracken:   

Amy Chmielewski:   

David Fitzell:   ~   443-829-7595
As Senior Vice President of Howard Bank Mortgage, David brings a unique combination of origination expertise and management experience to the Bank. He is responsible for providing vision, setting policy and managing both the operations and the origination teams. Like a classic player-coach, he also leads by example - maintaining his own personal origination targets. David is a Patron of the Cato Institute, where he pursues his interest in macro-economics; and for 15 years has been serving with the Baltimore County Volunteer Fire Department; as Fire Fighter/Lieutenant and the past ten years as Chair of the Finance Committee.

Michael Fithian:   ~   410-598-9859
Michael is passionate about the Real Estate market. His experience specific to mortgages allows him to quickly identify the most appropriate financing structure for any borrower's need. He is knowledgeable with regards to the Maryland Mortgage Program as well as local county specific grants. Michael is a loan originator with Howard Bank. He holds a Bachelor's Degree in International Business. He is an active participant amongst community groups in the Baltimore City / Greater Baltimore area.

Stephen Allen Haney:   ~   410-490-4027
As a Certified Mortgage Lender for almost 20 years, Stephen Haney has grown quite a length of knowledge and experience in this business. Most of his business is referred by satisfied clients or experienced, high quality realtors. He prides himself in assisting you in finding the best loan program to fit your needs. His goal is to give extraordinary service to create a lifelong relationship with his clients, one person at a time. Please be sure to give him a call!

Michael Johnston:   ~   410-627-1921
Mike joins Howard Bank as Vice President, Branch Manager adding to the bank's experience of over 22 years of service as one of Baltimore's top lenders. Mike has worked at several different mortgage companies over the years such as National City Bank, BB&T, Virginia First Savings Bank and Sears Mortgage. Mike has learned an important lesson: The customer always comes first. Mike is truly a borrower's advocate and instills this approach with every mortgage relationship he develops. He specializes in conventional, construction and jumbo mortgages with a gift for specialized financing using our menu of bank products. Born and raised in Timonium, Mike has been part of the Baltimore community his entire life giving back to the community in numerous ways. Mike attended St. Paul's School and The University of Colorado with degrees in business and political science. Mike returned to Timonium to begin his mortgage career in 1992 where he still lives with his wife, Lisa of 18 years and his three beautiful daughters. Services back to the community over the years include building for Habitat for Humanity, Baltimore Seafarer's Center, Coaching for LTRC Soccer and LTRC Lacrosse and coaching for the elite lacrosse club TLC. He remains active in his church and sits on his neighborhood's Board of Directors and chairs the Architectural Review Committee.

Brian Jones:   

William Scott Lucas:    

Karen Queen:   ~   410-903-8996
As a Mortgage Loan Originator, Karen brings over 20 years of mortgage banking knowledge and experience. She brings years of product understanding in Construction Lending, Conventional, Jumbo, Government programs as well first time home buyer programs. Karen believes that each and every customer deserves the utmost in customer service. As a member of The Women�s Build Committee of Habitat for Humanity of the Chesapeake Karen endeavors to put their vision into action which is: A world in which everyone has a decent place to live.

Dave Ranney:   

Anthony Sos:

Ruth Swartz:   ~   443-370-7201
Ruth is a mortgage loan originator who provides her customers outstanding customer service and the benefit of her more than 25 years of experience in mortgage banking. She makes it a point to get to know her customer to be sure to recommend the proper course of action and loan program for them. She has originated Conventional, FHA and VA loan products as well as first time buyer programs, Construction/permanent loans and lot loans. Prior to mortgage originations Ruth served as Vice President of a custom home construction company which allows her to help her customers with first- hand knowledge of custom home building and renovations. When not working, her greatest enjoyment comes from spending time with her eight grandchildren and family.

William J. Walker (Jay):

Michelle Wassmuth:   ~   443-744-0825
Over the past 26 years, Michelle Wassmuth has accumulated a wealth of knowledge working with standard lending products including FHA, VA and conventional, as well having a strong knowledge of construction and renovation programs. She prides herself on being an honest and straight forward Lending Officer and strives to educate her clients in the home buying process and making them confident with their financial decisions, while keeping up to date with the ever changing lending industry. She makes it a point to attend settlements to ensure all parties have a quality lending experience along with exceptional customer service. The largest part of Michelle's client base is derived from the referrals of past clients which is a testament to her work ethic and knowledge base. Michelle is thrilled to now reside in Baltimore City after years of living the quiet life in Carroll County. She enjoys exploring the local restaurants and shops with her husband, daughter & labradoodle.

Matt Weaver:   ~   443-831-4352
As a Loan Officer for Howard Bank Mortgage, Matt appreciates the opportunity to help his customers buy and refinance their homes. He is responsible for designing the appropriate loan strategy for every customer's unique financial profile. Matt is a member of Buffini and company (a real estate and lending coaching company) which allows him to pursue his passion for personal and professional growth. Matt has been married to his high school sweetheart for 10 years and has two children, a boy and a girl.

David B. Wengernuk:   ~   410-279-8003
David B. Wengernuk, a seasoned loan officer with Howard Bank, has been assisting his clients for over 15 years. He helps all types of borrowers to find the best financial options to purchase or refinance a home or income producing property.

With the constant changes in our mortgage lending industry, one needs to be ahead of the competition, know the new laws, investor guidelines and marketing trends. David is a Continuing Education teacher that requires him to be well informed on all aspects of the real estate lending industry.

He's involved with his local community; playing drums at Woods Church for The Praise Band and mentoring elementary school students at West Annapolis Elementary.


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