Skip to content
Chad Freeman photo

Your Local CrossCountry Mortgage Loan Officer

Chad Freeman

  • VP of Mortgage Lending
  • North Bethesda, MD Mortgage Loan Officer
  • NMLS # 453581
Apply Now See What I Qualify For

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
See What I Qualify For

Chad’s testimonials

Leave a Review See more testimonials

My social posts

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. 

Your free rate quote

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. 

Get Started – Fixed Get Started – Flex

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/

Get Started

Frequently asked questions