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Your Local CrossCountry Mortgage Loan Officer

Chad Freeman

  • VP of Mortgage Lending
  • North Bethesda, MD Mortgage Loan Officer
  • NMLS #453581

Your biggest decision is my biggest passion

Hello! I’m Chad, VP of Mortgage Lending at the Rockville, MD branch of America’s #1 Retail Mortgage Lender. Since 2003, my mission has been to help people achieve their dreams and goals. My success with clients earned me a place in the Washingtonian’s Best Mortgage Pros 2025 list.

After more than 20 years of helping families with home financing, I’ve learned two key characteristics that create a great mortgage experience: trust and communication. While I provide competitive rates and the most robust product offerings in the industry, trust and communication are what make my service second to none.

Homeowners, buyers and partners depend on my ability to meet their expectations, and they know that their business is my top priority. This has earned me top ratings, a reputation for excellence and the confidence of my valued clients and referral partners.

Specializations

  • First-time homebuyers
  • Self-employed borrowers
  • Jumbo loans
  • Non-Qualified Mortgages
  • Refinance loans
  • Home equity loans

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

Calculate how much you can save if you refinance your mortgage 

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

Neutral living room with fireplace.
Friends enjoying dinner in an updated kitchen after completing home improvements with the help of CCM Equity Express.
A family takes their first family photo on the porch of their new home thanks to CCM Smart Start.

Buying Now Means Saving Later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line. 

For full terms and conditions, visit ccm.com/buynowrefilater

Tap into your home equity – fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity. 

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days. 

First-Time Homebuyers – Get up to $5,250!

There’s no greater feeling than moving into your first home. Getting the keys, opening the front door, making the home your own – all things we want you to experience! 

CCM Smart Start will contribute up to $5,250 toward those good feelings. With CCM Smart Start, we’ll cover 2% of the purchase price (up to $5,250) for the down payment so your homeownership dream can come to life. 

For terms and conditions, visit crosscountrymortgage.com/mortgage/loans/down-payment-assistance/ccm-smart-start/

Frequently asked questions

  • 1. Pre-qualify for a home loan

    2. Check your credit report

    3. Meet with a CCM loan officer

    4. Establish your homebuying budget

    5. Get pre-approved

    6. Work with a real estate agent

    7. Find your dream home

    8. Submit your mortgage application

    9. Make an offer

    10. Get a home inspection

    11. Close your loan

    12. Move into your home!

  • It depends on the home loan. For example, conventional loans require a minimum credit score of 620. But VA and FHA loans may allow homebuyers to qualify with a credit score as low as 500. It’s important to note that lower credit scores often come with additional requirements or higher interest rates.

  • It typically takes a few months to buy a home. The exact length of the process will depend on the market, home and other financing factors.

    At CrossCountry Mortgage, we’re dedicated to making the mortgage side of homebuying smooth and stress-free – offering full approvals quickly through our FastTrack program.

  • First, let’s see if you qualify for certain government-back loans. If you are a Veteran or Service Member, VA loans require 0% down. Same goes for rural homebuyers with USDA loans.

    Second, talk to a CCM loan officer about local, state and national down payment assistance programs that may cover your down payment costs.

  • That is more about you than the market! You’ll want to consider if you are ready to take on the homebuying process and then calculate your purchasing power with a CCM loan officer. Once you know your homebuying budget, it’s time to house hunt and explore your desired community for the home of your dreams.

  • Before you find your dream home, it will help to have:

    • Your credit score
    • Proof of employment and income
    • Cash or assistance for a down payment
    • The right loan
    • A homebuying budget
    • An expert real estate agent
    • Your dedicated CCM loan officer
    1. Contact your CCM loan officer to find the right renovation loan.
    2. Complete a loan application with required documentation.
    3. Choose a reputable contractor and review your project in person.
    4. Provide the contractor’s estimates and validation documents to verify their qualifications.
    5. Complete underwriting for review of all your loan documents.
    6. Close your loan and start your renovation.
    • Cost factors: Costs vary widely based on project scope. You’ll need to understand your renovations and get contractor estimates.
    • Budgeting tip: Add a percentage for unexpected costs, including changes later in the project.
    • Loan options: CrossCountry Mortgage offers renovation loans from cosmetic upgrades to complete expansions.

  • Renovations may be tax-deductible or qualify for a tax credit, but only a professional tax advisor can guide you. Four categories of home renovations may qualify for tax breaks:

    • Home office improvements
    • Energy-efficient home improvements
    • Improvements for medical care
    • Rental property maintenance

  • While you could use a credit card or personal loan, a home loan will give you a better interest rate and financing to suit your project and your goals. CCM has several loans that combine your purchase or refinance with your renovation costs and provide disbursement management, so your contractor is paid correctly and on time.

  • The time for your renovation will depend on the project’s scope. While cosmetic work might take a week, a complete renovation could take a year or more. Loans have different time limits, too, so be sure to discuss this with your CCM loan officer. Experienced contractors and remodelers will tell you to allow extra time (within reason) to keep your stress level down and be prepared for delays.