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FDM SALES TEAM SERVING DOWNING FRYE AGENTS
"FDM and Downing Frye delivering results together"

Nithesh Dhanashan
VP, Sales Manager

Direct: (571) 201-1478   |   Office: (866) 527-8052 Ext. 159
Fax: (301) 263-7818
Email:  Nithesh@fdmhome.com
NMLS #: 1026468
Languages: English, Malayalam, Hindi

Qualify Now

Nithesh prides himself in the services he and Fidelity Direct Mortgage provides. Nithesh's goal is to create a long term relationship with each one of his clients. He wants FDM to be the first name one thinks of when looking into buying a new home or refinancing a current home. Fidelity Direct Mortgage is here to help make the loan process smooth and hassle free!


Kent Williams
Licensed Mortgage Professional

Direct: (239) 989-8577   |   Office: (866) 527-8052 Ext. 163
Fax: (305) 357-8156
Email:  Kent.Williams@fdmhome.com
NMLS #: 1478754
Languages: English

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Javier De La Torre
Sales Manager

Direct: (813) 997-6834   |   Office: (866) 527-8052 Ext. 164
Fax: (301) 244-0272
Email:  Javier.DeLaTorre@fdmhome.com
NMLS #: 1134029
Languages: English and Spanish

Qualify Now

Javier de la Torre is a licensed Florida real estate agent and has been a mortgage specialist since 1998. Javier utilizes his talent for guiding people through unfamiliar and emotional processes, as well as his skill and experience in understanding and reviewing contracts, financial analysis, working with agents and title companies, and remaining calm under pressure. 

He is never too busy for one of his clients or any of their referrals. When you want a mortgage professional who gives freely of his time, attention and expertise, call Javier de la Torre.


David Smith
Licensed Mortgage Professional

Direct: (707) 235-5500   |   Office: (866) 527-8052 Ext. 158
Fax: (301) 244-0272
Email:  David.Smith@fdmhome.com
NMLS #: 2001278
Languages: English

Qualify Now

After serving in the US Air Force as a pilot for 12 years, David decided to help others meet their real estate goals by becoming a Mortgage Loan Officer. He brings his diverse background in business and finance as a MBA graduate and his mission oriented mindset he gained while serving in the armed forces to get his clients to the closing table. 


Linda Culotta
Originating Branch Manager

Direct: (239) 398-3978   |   Office: (866) 527-8052 Ext. 136
Email:  Linda.Culotta@fdmhome.com
NMLS #: 213838
Languages: English

Qualify Now

As a seasoned mortgage professional, I offer the highest level of customer service in residential financing. I provide my clients with the best possible scenarios, including current market information, competitively low interest rates and a wide array of products offered by lenders to help make their decisions comfortably.
My goal is to assist with improving clients' lifestyles, first and foremost. By constantly evaluating the market while keeping my customers informed, I stand strong as an honest and experienced mortgage professional.


Qualify now for a better mortgage experience through Fidelity Direct Mortgage!

  • Licensing Information

NMLS     |     FAIR LENDER     |     FAIR HOUSING

Copyright © 2019 Fidelity Direct Mortgage LLC

Fidelity Direct Mortgage LLC NMLS #188829
NMLS#: 188829  |  http://www.nmlsconsumeraccess.org
DE License 020884 | DC License MLB188829 | FL License MLD1397 | MD License 14398 | Licensed by NJ Dept. of Banking | PA License 47654 | VA License MC-3879 | WV Broker License MB-35882 | WV Lender License ML-35797 | Licensed by the Virginia State Corporation Commission | NC License L-189983 | SC License MLS - 188829

NO FDM BORROWER LEFT BEHIND © 

555 Quince Orchard Road, Suite 411, Gaithersburg, MD  20878

Direct:  (301) 869-6000 | (866) 527-8052  |  contact@fdmhome.com

NMLS     |     FAIR LENDER     |     FAIR HOUSING

Copyright © 2019 Fidelity Direct Mortgage LLC

Fidelity Direct Mortgage LLC NMLS #188829
NMLS#: 188829  |  http://www.nmlsconsumeraccess.org
DE License 020884 | DC License MLB188829 | FL License MLD1397 | MD License 14398 | Licensed by NJ Dept. of Banking | PA License 47654 | VA License MC-3879 | WV Broker License MB-35882 | WV Lender License ML-35797 | Licensed by the Virginia State Corporation Commission | NC License L-189983 | SC License MLS - 188829