Freddy J Cova Mortgage Loan Originator

NMLS No. 231300

About Freddy J Cova

We have built a strong reputation as an outstanding mortgage banking firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state.

We’re a full service mortgage banker with an experienced staff offering expertise in every area of mortgage lending…from purchase to refinance to reverse mortgage lending.We have access to a full range of mortgage sources and all of our mortgage loan originators are dedicated to finding the right loan-with the best rates, terms and costs-to meet your unique needs. But that’s just the beginning of our service. Throughout the lending process, we provide regular loan updates and progress reports so you always know the status of your loan.

And, now it’s our pleasure to offer all of our exceptional mortgage services online.Through us you not only have access to the best loans available in the marketplace, but you can also review loan alternatives, and even apply for your loan,at your convenience, online – 24 hours a day.

Thank you for visiting our website. We look forward to putting our mortgage service to work for you!


Son un equipo excelente te mantienen informado durante todo el proceso y lo más importante te buscan los mejores intereses, hicieron todo mucho más fácil con su profesionalismo.

Jose C Salinas

Glen Burnie, MD

Freddy did what others considered impossible. Thanks Freddy.

Juan C Ibarra


it was a pleasant transaction. His delivery was exactly what he promised. Good experience.

Cesar O Benitez


Excellent Job. Any doubt why he is my preferred Lender. Thanks always.

Angel Luis Ribulotta


they have a very good costumer service, and they made the process easier and faster. He’s a good person, punctual and responsible.

Kenoor Geovany Ortiz Ramirez

Germantown, MD

Thanks Freddy. Because of you we own our second new home. You are the best.

Avilio Flores

Adelphi, MD

Very well done, as he always does.

Alicia Esperanza Mejia

Washington, DC

How professional he is in what he does.

German Guandique

Gaithersburg, MD

Despues de anos, logramos conseguir a alguien en quien confiar. El hizo todo mucho mas facil paqra nosotros. por eso le damos muchas gracias por que a nuestra edad alguien nos dio un verdadero tratamiento VIP. Gracias Freddy y que nuestro Dios te bendiga.

Hernan Martinez

Riverdale, MD

Honesty, knowledge and professionalism. Those are only three of the most important things for Freddy. He knows how to complete his job without problems. Thanks Freddy.

Ronny A Pozo

Glenn Dale, MD

The explanation and time that was done. Whenever I had a question I can literally call at anytime to get something I don’t understand clarified. I was nervous at first because most people just want to make the sale. But this was very different. Everyone wanted to make sure I was sure to purchase my home. Great work and awesome experience.

Jonathan David Amaya

Glen Burnie, MD

Freddy and his team did such an amazing job, every time I needed help or advise with something they were there for me very helpful team.

Edwin R Lemus Aguilar

Baltimore, MD

Thank very much for your help you are very professional ,,,and God bless you allway..

Jose Leonel Ramos Aleman

Rockville, MD

Mr Cova was very attentive to our needs, we were always heard and attended in a timely manner during the search for the right property that we were looking for! Very cortegious and professional, Mr Cova was always there with an answer for every question we had! The assistance he provided us in order to get our mortgage loan is greatly appreciated!!

Alfredo De Jesus Rivas

Point Of Rocks, MD

Freddy Cova is trustworthy and professional.

Omar Salomon Benitez

Hyattsville, MD

My Dear Friend Freddy, thanks again for your help. My wife and me are Happy for your help. see you soon again for our next purchase.

Carlos Francisco Arias

Hyattsville, MD

Saludos . .. Mil gracias a nuestro amigo Fredy muy buen trabajo . Encantados con nuestra casa un gusto conocerlo. Muy buen trabajo gracias x todo . .. estaremos en contacto gracias de nuevo .... nuestro mejores deseos siempre Diocito lo bendiga

Francisco Rodriguez Ornelas

Capitol Heights, MD

Grasias Freddy por tu gran corazon y humanidad. tu nos ayudaste a comprarla y ahora mis hijos tienen su casa propia y ahora nos ayudaste a pagar menos. Que Dios te bendiga.

Jose Luis Jimenez Hernandez

Riverdale, MD

Freddy always keep us informed and give us the feeling of security. everything was the way he told us from the beginning. no surprises. Thanks Freddy. you did it for us.

Walter E Diaz

Silver Spring, MD

I've met Freddy 8 years ago and the same performance he did at that time he did it again but this time even faster. So now i own a new home and he was the one behind scenes doing everything for me to have a smooth process and a happy final. Again Freddy Thanks for everything.

Manuel A Mendoza

Capitol Heights, MD

When others told us that we won't be able to buy a house. Freddy alway gave us good reasons to believe we will get it. Now we own our house and our life has changed forever. Thanks Freddy for your help.

Claudia Maria Moz Lopez

Baltimore, MD

He was straight forward with us about what we could and could not attain. Any questions or concerns he had, he was on top of it as soon as possible and always replied in timely manor. He was very kind and friendly but never stopped being professional and with his help we were able to get the home we wanted.

Rene O Quintanilla Grande

Brunswick, MD

The Freddy's Works are in high level of professionalism, reliable, and great value

Atanasio R Castro


Great Service. Thanks.

Pedro F Bravo-Santos

Bowie, MD

Mr. Cova was very reliabe and available the whole process. Each time I had a question he would be right there to provide the answer. I’ll definitely recommend Mr. Cova to family and friends.

Barry Donell Wilson

Upper Marlboro, MD

Hey Freddy thank you for everything Great job working hard. Love my new house. %1000.00.

Richard Michael Valladares

District Heights, MD

Es una persona super professional con un respeto Y solides hace su trabajo. Y sobre todo puntal aqui encuentra el cliente que sea un gran apoyo que hace que todas las personas se sientan muy bien atendia yo le doy un 100% de calificación gracias

Fatima Marenco

Silver Spring, MD

Great service, very good and clear communication and questions and doubts are answered clearly.

Victor L Caamano

Gaithersburg, MD

Was good services

Gustavo A Zuniga-Lacayo

Silver Spring, MD

Great service, excellent communication, process was really good And quick, Freddy Cova guide us step by step on this process, everything was very clear for us we recommend 100%

Liliana Patricia Pavon

Silver Spring, MD

Freddy never give up on us. He kept us always informed even when it was not an easy transaction, his experience and determination made us to achieve our most important goal in our life time. Thanks Freddy we will always remember you and your team. Our Friends and families will be referred to you because we are a 100% sure that you will do your best for them also to make their dream come true. Thanks.

Maria Reina Ramos Argueta

Silver Spring, MD

Good service

Domingo Lebron

Germantown, MD

Everything was great! Very good communication, lots of patience. Outstanding!

Rebeca Reyes Mejia

Glen Burnie, MD

Professional, Honest, Committed and over all he knows what he does. thanks Freddy i have my new home.

Maria Lelis Escobar

Hyattsville, MD

Freddy understood, my real necessity on finding the best option for my financial needs. He gave his best product and the final result was even better that what I was expecting, now i have the lowest rate and the best payment and getting ready for my retirement. Thanks Freddy.

Juanita Platero

Silver Spring, MD

A year ago I spoke with Freddy and he told me exactly what to do in order to achieve my purchase. he gave me the right directions to have my dream come trough. Thanks Freddy for my home, without your help and advise this may not happen. God Bless you.

Mario Alberto Herrera Deras

Glen Burnie, MD

Thank you!

Beata K. Muir

Washington, DC

It was wonderful to work with Mr. Freddy Cova throughout the whole process, it was great because with his help we have a better interest rate in our mortgage now. He and his team are very professional in all the processes. I really recommend them. We can't thank you enough for providing this valuable service. Karla Molina

Karla J. Molina

Hyattsville, MD

Freddy was amazing!

Angela A. Reyes

College Park, MD

His work was beyond our expectations. Thank you Freddy Cova.

Jorge A. Salazar

Laurel, MD

Since he was referral to me from somebody i know from long time, i was pretty sure he will perform good, however after he did closed my loan purchase, i have to said it was beyond my expectations. again thanks Freddy.,

Blanca Perez

Silver Spring, MD

He has the commitment, the knowledge and the honesty to give you the best service. Thanks Freddy.

Ulises Evelio Perez

Fairmount Heights, MD

Freddy was very knowledgeable and his experience speaks for itself. Would definitely recommend Mr.Cova!

Carlos Jason Rivas

Silver Spring, MD

Freddy was very helpful and transparent. If I had a question I knew I could count on Freddy to know the answer. He's the best. By the way this one is my second transaction with him, i highly recommend him to my friends and family.

Mario Ernesto Pena

Silver Spring, MD

Freddy was very helpful

Alfredo Leudy Rodriguez

Lanham, MD

Freddy is very professional, efficient and excellent in everything he does. He provides effective communication and take the time to explain everything so I can fully understand. Working with him is great!

Maricel Medina Young

Rockville, MD

Freddy is very professional and knows what he is talking about. Freddy also gives great advice on how to continue with the process.

Karla Jordana Molina

Takoma Park, MD

Freddy and his team with Cynthia and Fermina were upfront, responsive, pleasant, and professional. If I could rate Freddy and his team higher I would. I can’t say enough good things about Freddy and his team. Simply fantastic.

Ioannis A. Papadimitris

Olney, MD

Extraordinary experience for third time. Every time he can he help me to get a better deal. Freddy is and will be my Loan Officer and also for my family.

Victor Diaz Del Cid

Hyattsville, MD

the level of professionalism, and the speed with which the process we just closed flowed.

Alexander Borrero


Easy and friendly to make business.

Riva Romero


From the beginning to the closing date everything was grateful he told us everything what we asking and he also was very professional. What a nice person

Lourdes Rivas


Easy process.

Miguel Amaya


Excellent service, and reliable support. His performance goes beyond expectations and what he deliver is what ever is the best for you. Thanks.

Konstantinos Balourdos


Freddy and his team treat us like family.. I wouldn’t go any other route...

Medardo Rincon


Everyone went above and beyond to help me save the most money I could. Freddy is a very organized professional. I'll definitely will continue using him as my preferred lender and also as my personal financial advisor. Thanks Freddy.

Angel Ribulotta


I have not words to express our gratitude for his help and great guidanced. We will always will be grateful with him. Highly recommend, honest and human being.

Luis Quinteros


Communication, effectiveness, and timing were excellent. Thanks

Mario Guillen


Amazing Service and excellent commitment. He delivered what he promised. now we want to think about buying our next property. Thanks Freddy,

Avilio Flores


We got a good loan deal and very fast .We previously had a loan officer but it took a long time to get it processed and after we got the loan,the amount was small but Mr Freddy walked us through the whole process and made sure we understand everything, he waived some of the fees for us and even gave me his office to change my baby's diapers. Now we have a beautiful home just like wanted.

Koffi Lakignang


Freddy was always very helpful, he always answer the phone and he always had time for us ,thank you Freddy for all your help.

Elsa Ayala


He made the process simple and easy, and he always has an answer to all my questions. the result went beyond my expectations. Thanks Freddy.

Milagros Verenzuela


Muy eficiente en el proceso

Oscar Saldana


pleasant and polite , made the process very easy, Mr. Cova had Answers to all my questions and concerns , he takes the time to explain and proceeds moved along, he's services was excellent and knowledgeable agent very professional ,competent, it was a great experience . and for futures Refinance or buy new property we will go to American Bancshares Mortgage and ask for Freddy Cova again. The entire team members are polite and responsive.. Thankyou so much

Karla Molina


Buen servicio eficiente y amable

Hector A. Vasquez Alvarez

Silver Spring, MD


Jose Henriquez Alvarenga


Freddy was amazing. Helped me every step of the way and made things that should of been hard and an issue very easy. He fixed most of the problems and I had little or no worries at all getting the loan with him. So far the best home loan officer I had. Already recommended my sister, father and friends to him. They will not regret working with him. Thanks a lot Freddy. You are the best.

Richard D. Fernandez

Germantown, MD

When you got the results beyond your original expectations, is always a very pleasant situation. now I'm going to enjoy my new home, because the good job and performance of my Loan Officer. the second thing i will do after open the door of my new home will be giving his number to my family and friends, so they can take advantage of his skills and honesty. Thank you once more time Freddy.

Jose Ramon Leiva

Hyattsville, MD

Freddy made what we thought was impossible.....POSSIBLE!

Julian S. DeJesus

Bowie, MD

Well done, Efficiently performed and no complaints whatsoever. Sincerely Thanks a million.

Wagner Petrice Merzier


Deserves 10+ stars! As a Realtor, the fact that I use him for my personal loans as well as my clients' speaks volume of his expertise, credibility and outstanding work ethics. He treats you like family, laying out all the options, clarifying all the steps and processes to ultimately help you find the best loan product to meet your needs & long-term goals. Highly recommended.

Nancy Gonzalez


Very good, thank you Fredy for your help.

Rogelio Amaya

Severn, MD

Excellent work. Tremendous experience. Thanks.

James C. Porter

Laurel, MD

Freddy was very helpful and transparent. If I had a question I knew I could count on Freddy to know the answer. He's the best.

Samuel Antonio Preza

Beltsville, MD

This is my second transaction with him, and I still remember three years ago he did the same, Full service, full commitment and full dedication. So the result was impeccable, we cannot be more happy. His professional skills work all together to deliver an excellent loan for me and my family. Thanks again Freddy. I will keep recommending my family and friends to you, just my Father is getting ready to buy again.

Sergio A. Rivas Osorio

Clinton, MD

Professional, pleasant to work with, great customer service.

Jose Alberto Rosales Ardon

Capitol Heights, MD

Freddy, was in contact when needed. He kept us well informed and what the next. Steps would be and the timeline that we were looking at.

Nelson Villafuerte


I was told that buying my house with Tax ID Number was something almost impossible. But impossible has an enemy and his name is Freddy Cova. Thanks to him now i own my dream home. If you believe then believe on him and he will make the impossible possible. Thanks Freddy for help me to get my home even with TAX ID NUMBER.

Silva Zuniga


Thanks Freddy. Better impossible.Now we understand how to build our path to the Financial Freedom. Thanks again.

Satnarine S. Singh

Elkridge, MD

Freddy, was always confident on his professional criteria. even when we face our fears he knew how to bring us back to the scenario where only good thing will happen. He never give up in our loan and the final result was our home. Now we have our dream home thanks to him, we will never forget and we will recommend him to family and friends. Again thank you Freddy.

Edgar Ortega Gavarrete


the excellent communication for me and the help to make me understand the terms, excellent professionalism, of course I would recommend Freddy with my friends oh someone who is interested

Edwin Alexander Moreno Yanes

Adelphi, MD

He is very professional and always willing to answer all your questions.

Xiomara C. Henriquez De La O

Silver Spring, MD

Thank you Freddy. you made my first Investment property experience totally smooth and easy. Now i can say that i've found the opportunity i was looking for. buying investment property it is no hard if you find the right assessment. Again Thanks Freddy Cova.

Osiris L. Medina

District Heights, MD

Again Thanks for all your help and the good job.

Jose Hernandez


Due to the previous sucessfull journey of buying a house, I decided to come back. He has truly helped me and made the process easier. Buying a house is not easy, but with the support from him, it was quicker and helpful. I completely have trust, and he reaches my expectations everytime. I truly am grateful for the experince with him, and do definitely recommend. I will probably see him in the future yet again. Thank you Freddy!

Irma Z. Rivera-Krpan

Naples, FL

I never seen anybody this efficient and reliable, I'm very very pleased.

Jose R. Menjivar Miranda

Silver Spring, MD

For me it's about how he knows what he is doing and helping you to the best that he can.

Jongbong Sacaguing Kim II

Laurel, MD

My friend and my financial advisor. his knowledge help me to get for my family our Dream Home. no words to express my gratitude. my intention is to refer everyone i know wants to buy a home. Work with Freddy. thanks.

Jhonatan Beato Marte

Capitol Heights, MD

This is another successful transaction with him in mnay years. Thanks Freddy.

Samuel Chavarria


The best experience we have ever had and highly recommend Freddy and his team! We are blessed! We are so happy

Mariam Zuleima Lievano

Weston, FL

Great Experience, smooth transaction and excellent service.

Jose E. Saravia Henriquez

Landover, MD

Better impossible. he always managed the way to give us calm and comfort to our questions. even when we were almost out of faith he always has a word that give us back our confidence and the desire to end what we started. Thanks.

Jose Reyes Garcia


I will never going to have the time to express how much he help us to get our home. working with him was easy even in the bad times. thanks Freddy.

Ana Flora


He is a great person to work with ,he have all the experience we need to make Big decisions , buying a property is everybody’s dream if you work with him your dream will become a reality ,thanks for your great outstanding service ,you are a very hard worker 😀😀

Bikram Pokhrel