ABOUT STEVE COMBS • SOUTHERN MARYLAND ROOTS • MORTGAGE STRATEGIST
A Southern Maryland native. A mortgage strategist by design.
Born on Pax River Naval Air Station. Raised in St. Mary’s County. Built to serve homebuyers, homeowners, and referral partners across Southern Maryland and the DMV with clarity before commitment.
How this started
I’m from Southern Maryland. I was born on Pax River Naval Air Station, grew up in St. Mary’s County, played football at Leonardtown High School, and later at Frostburg State. This is not just where I work. It’s home.
Like most loan officers, I did not grow up wanting to be in mortgage lending. Honestly, I did not even know what a mortgage lender was. I stumbled into this business at an engagement party, of all places. My best friend’s dad asked if I wanted to learn mortgages. I said yes, showed up Monday at 9am, and by the end of that first week I was handed a blank Good Faith Estimate and a list of refinance calls.
That is when I realized something troubling. This industry, centered around the largest debt most families will ever take on, was built to be transactional and rate-focused. Once I saw the long-term damage that can come from a “great rate” paired with the wrong strategy, I could not unsee it. That is when this stopped being a job and became a responsibility.
My purpose is simple: help people make mortgage decisions they still feel good about years down the road.
What drives the way I work
Teacher’s heart
I want clients to understand what they are doing, why it fits, and what it means long after closing.
Structure first
A low rate without the right structure can still be an expensive mistake. Strategy has to come first.
Calm execution
Clear expectations, proactive communication, and fewer late-stage surprises keep clients and referral partners steady.
Experience and proof
Experience & credentials
- 20+ years in mortgage strategy and planning
- Licensed in 46 states and Washington, DC
- Featured in The Washington Post
- Trusted by homebuyers and agents across Southern Maryland and the DMV
What clients say
“We got the house even without the highest bid.”
“I felt like I was in complete control of the process.”
“Working with Steve was the easiest part of the whole process.”
What you can expect
Teacher’s heart
Clear explanations, no pressure, and decisions you actually understand.
Structure-first guidance
Not just “rate shopping”—we match the loan vehicle to your timeline and goals.
Fast, proactive execution
Clean documentation, quick turn times, and communication that keeps deals calm.
Meet Steve 24-7
Steve 24-7 is my professional-grade assistant—built from the same playbooks and frameworks I use with clients. Ask Steve 24-7 anything about buying, refinancing, or preparing a strong offer.
HOMEOWNER TOOL
Curious what your home may be worth?
Many people land on the About page before deciding whether to reach out. If that is you, this is a useful next step: check value and equity first, then decide whether a conversation makes sense.
Check Your Home Value
A practical tool for homeowners who want clarity before they schedule a conversation.
You can also explore the full Mortgage Tools hub.