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John Valente

John Valente

Loan Officer
443-547-5722

NMLS ID #: 191708

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About John Valente

Your home purchase is the most important purchase of your life. It's important to me too.

John Valente has been a Maryland resident since 1977. John attended high school in Columbia, MD and went on to obtain a BA from the University of MD, College Park.

Since 2001, John has been helping purchase buyers and refinance customers. He has a thorough knowledge of many lending products to include USDA, VA, FHA, Conventional Conforming, Jumbo/Non-Conforming and many down payment assistance programs. John has many repeat clients due to his special care for each customer.

In a previous career, John worked in the television industry in many different facets of TV Production. Fun fact: John played an extra in six major motion pictures filmed in the Baltimore area.

John is married with two children and loves to travel, play golf and enjoy photography. Call today for immediate assistance and to work with John directly - (443) 547-5722
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Calculate Your Monthly Payment

Our calculator tool helps your better understand your budget and home eligibility by giving you an estimated monthly payment based on purchase price, current loan rates, and loan terms.

Read more about loan types
The selling price of the property.
The percentage of your home's purchase price that is paid upfront.
%
The interest rate your banking establishment charges for use of their assets.
The number of years.
  • Total payments {{ months }} monthly payments
  • Down payment ({{ upfront }}%) {{ toCurrency(down, 0) }}
  • Principal {{ toCurrency(loan, 0) }}
  • Total interest paid {{ toCurrency(interest, 0) }}
  • Total mortgage cost* {{ toCurrency(total, 0) }}
  • *Estimated, not including taxes and insurance.
Monthly Payment
  • Principal & Interest
  • Property Taxes
  • HOI
  • HOA Dues
  • PMI

Our professionals are ready to assist you with a personalized estimate, tailored to your specific wants, needs and situation when you're ready. Let us help you finance with confidence.

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* The figures shown are estimates and are subject to change based on a more thorough review of your needs, choices, and credit history. The payments shown do not include other expenses you will incur as a homeowner; such as taxes and insurance. For an even more accurate quote, contact a loan officer.

The default interest rate is the Freddie Mac Weekly National Average for a 30-year conventional mortgage as of 04/10/2025. Read More

Actual figures will vary based upon market conditions and a more thorough review of your needs, loan choices and credit history. Please note that the interest rate is different from the Annual Percentage Rate (APR), which includes other expenses such as mortgage insurance, and the origination fee and or point(s), which were paid when the mortgage was first originated. The APR is normally higher than the simple interest rate. The payments shown do not include other expenses you will incur as a homeowner; such as taxes and insurance. This is an estimate. For a more accurate quote, speak with a loan officer. This calculator is a tool and is not intended as an advertisement.

John's Featured Articles

How to Opt-Out of Unsolicited Credit Offers

How to Opt-Out of Unsolicited Credit Offers

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10 Steps to Homeownership

10 Steps to Homeownership

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Contact John Valente

Whether you're in need of a mortgage or simply looking for advice, I'm happy to help. Let's connect!

Address

5300 Westview Drive
Suite 307
Frederick, MD 21703

Phone

443-547-5722

Areas John Serves

I’m available for all your mortgage needs in the following states:

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Fitzgerald Financial Group
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FitzGerald Financial Group is your hometown mortgage company. As a division of TowneBank Mortgage, we uphold the principles and philosophies that have been established by our hometown traditions. FitzGerald Financial Group is dedicated to providing the personal experience that you expect from a hometown lender with the most advanced technology available to offer affordable loans, quick processing and exceptional service.
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Fitzgerald Financial Group lends in the following states:
Alabama | Colorado | Washington D.C. | Delaware | Florida | Georgia | Kentucky | Louisiana | Maryland | Mississippi | North Carolina | Ohio | Pennsylvania | South Carolina | Tennessee | Texas | Virginia | West Virginia

NOTICE TO CONSUMERS REGARDING MARYLAND LENDER LICENSEES: Fitzgerald Financial Group, a division of TowneBank Mortgage is licensed to engage in business as a Maryland Mortgage Lender and assigned a unique NMLS identifier number: 512138. The NMLS Consumer Access Website is linked here: https://www.nmlsconsumeraccess.org/

While FitzGerald Financial offers educational and promotional materials in languages other than English, not all of FitzGerald Financial's services and documents are available in those languages. All official mortgage documents, such as applications, disclosures, closing documents, etc. will occur in English. If you have questions about the extent of our Non-English language services or would like additional information, please contact marketing@fitzgeraldfinancial.net

Links and content are being provided for informational purposes only. FitzGerald Financial Group has no control over any other website and is not able to endorse, guarantee or monitor content, availability, viewpoints, products or services that are offered or expressed on any site other than this one. This is not a commitment to lend.

© 2025 Fitzgerald Financial Group. All Rights Reserved. 600 Jefferson Plaza, Suite 400, Rockville, MD 20852. Phone: (888) 251-0080
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