Brad Gibbons, CEO/Loan Originator NMLS # 85666

Brad, a Maryland native has been originating and leading mortgage companies for over 30 years including co-owning Capital Mortgage Finance Corp. for 15 years. Brad brings origination expertise  and a depth of guideline knowledge that only an ex-underwriter possesses. Brad originates in Maryland, Virginia, Delaware, Washington, DC, Pennsylvania and Florida. Brad is a graduate of Towson University and currently resides in Parkton, MD with his wife Mary Anne and his two daughters.

Amaré Merz, Loan Originator NMLS #207743 
Amaré Merz has more than 12 years of experience as a senior loan officer. She focuses on providing an unmatched level of service to her mortgage clients as well as her realtor and business referral partners.
Amaré is well versed in all loan programs, including VA, FHA, conventional, and renovation loans. She has special expertise working with military clients, as she has numerous ties to the community, including the Navy, where her husband served for numerous years

Glenn Morrison, Loan Originator NMLS #1692016

Throughout my 20+ years in mortgage banking, I have received wonderful satisfaction and warmth in knowing that I have helped many families and individuals towards receiving their mortgage financing objectives. During my span of experience I have held the positions of Area Vice President for a national lender and opened numerous branch offices. I have also been approved as a FHA Underwriter a designation that is very, very rare among Loan Originators. As a previous new home builder I have an unique comprehension of new home financing. 

Paula Kelley, Loan Originator NMLS# 252079
Paula comes to Concierge Mortgage with 30 years of banking and lending experience.  She uses her vast knowledge of product guidelines and experience to get even the toughest loans closed for her realtor partners and clients.  Paula joined Concierge Mortgage so she could continue to offer the best programs, technology and rates that come from working with a top notch mortgage broker.

Patrick Cabulong,  Loan Originator NMLS # 196595.

Experience your next loan from a modern day loan advisor.   Patrick will help you make a confident mortgage decision that aligns with your financial future. Patrick is committed to providing clients with the highest quality advice on home loans combined with the lowest mortgage rates available. Whether you are purchasing your dream home, refinancing, or consolidating debt, Patrick's valued experienced will ensure the best solution for your mortgage needs.

Mary Anne Gibbons, Vice President/Owner/Loan Originator NMLS# 907288
Mary Anne has been working in the mortgage field for over 30 years with experience at Movement Mortgage and Capital Mortgage Finance Corp. Mary Anne currently resides in Parkton, MD with her husband Brad and their two daughters.

Bob Ryan, Loan Originator NMLS # 174334

Bob Ryan has been a Loan Officer since 1997. Over the last 22 years, he has assisted Homebuyers and Homeowners with their mortgage financing needs. Bob has extensive experience working with first time homebuyers as well as existing homebuyers moving to their “dream home”. Bob is an expert with conventional, jumbo, FHA, VA, USDA, renovation and construction loans. In addition to purchase loans Bob is also very experienced with refinances…rate reductions, cash-out, renovations and divorce buy-outs.

Debbie Jones, Loan Originator NMLS# 268754
Debbie comes to us with over 25 years in the mortgage business. In her own words " I have experienced many waves of the mortgage industry and have always surrounded myself with the strongest, most knowledgeable resources to assure that I provide the best guidance to my clients in the biggest purchase or transaction of their lives."  Debbie embraces technology, but is also a true believer in the old school approach of customer service. Her clients return time and time again for their mortgage needs because, they know what they will get honesty, personal 24/7 access and the best possible options that a mortgage company can offer.   Licensed in Maryland, Pennsylvania and Delaware.

Loan Originators

Michael S. Chmar, Loan Originator NMLS # 166449

For more than 16 years, Michael has been a trusted friend for his clients while helping them through their home purchase or refinance.   Licensed in both Maryland and Virginia, Michael is dedicated to working with his clients to find the best loan program to meet their needs.
Born and raised in Baltimore, Michael lives with his wife and two children.  He enjoys spending time with his family, cooking and baking, baseball and giving back to the community in any way he can.  

David Rifkin, President/Owner/Loan Originator  NMLS# 409104

With 24 years of originating David is known for being able to offer simple solutions to complex loan challenges and providing unexpected levels of service. David splits his time between Baltimore, MD and Jacksonville, Fla originating loans in Maryland, Virginia, Delaware, Washington, DC, Pennsylvania and Florida. David believes strongly into giving back to the community. He is deeply involved in raising donations for several charities including The Cystic Fibrosis Foundation, The Humane Society, Project Go and The March of Dimes.

Kevin Murphy, Loan Originator NMLS# 457824

Kevin has 17 years experience in the mortgage business. An Air Force veteran and Calvert Hall College alumni, Kevin has deep roots in the community. As a member of the Greater Baltimore Board of Realtors and the Towson Chamber of Commerce, Kevin knows about giving back. He understands that when you work with a local business your money is earned and invested where you live. Kevin resides in Lutherville with his 2 yellow labs Snow and Morgan.

Kasey Hazel, Loan Originator NMLS# 923771       
Kasey, a Jersey transplant has been in the mortgage business for over 8 years.  She started her career on the operational side doing everything from processing to post closing.  Within a few years, Kasey decided to take the skills she learned operationally and apply them to sales and became a licensed Loan Officer.  Kasey prides herself in her relationships with her clients and  she makes herself available nights and weekends to all of her clients to help make their loan process go as smooth as possible. Kasey, partners with David Rifkin making an efficient well rounded team. Licensed in Maryland.

Tracy Heater, Loan Originator NMLS #206509

​With 20 years’ experience as a Loan Officer Tracy works tirelessly to get even the most difficult loans approved. Tracy believes that mortgages are about building relationships and helping borrowers reach their goals. Any loan originator can show you loan products. Tracy's mission is to get you into the loan that is right for you.

©2016-2021 Concierge Mortgage, LLC. All rights reserved

2016-2021 Concierge Mortgage, LLC.®. All Rights Reserved. Equal Housing Lender. This is not a commitment to lend.

Concierge Mortgage LLC. NMLS# 1451316 is licensed in the following states:  Maryland Mortgage Lender License # 22031, Pennsylvania Mortgage Broker License #57084, Virginia Broker License # MC-6700, Delaware Broker License # 022349, Florida License/Registration # MBR2232 and District of Columbia Mortgage Broker License # MLB1451316.