Thank you for considering me to guide you through your home buying journey! At Certainty, we pride ourselves on providing the best customer service and exceeding your expectations of the mortgage process at every turn. From a complimentary pre-qualification through an on-time closing, I will be here to ensure confidence every step of the way.



Helping people realize the dream of homeownership is my passion. My experience and knowledge of the industry allows me to tailor each loan to meet the specific needs of each individual. Everyone's story is different, so no one loan will meet everyone's needs. My job is to find that perfect fit.



Buying a home can be one of the most important investments that we make. I am dedicated to making the process a positive and rewarding experience for you, and I welcome the opportunity to earn your business and your trust. Take the next step toward financing your home by clicking the "Apply Now" button now! You can also give me a call or send me an email to schedule some time to chat. I look forward to helping you finance your home.

VP of Mortgage Lending

Mary Jane Chiantella is your Frederick local lender. As a loan officer at Certainty Home Lending, Mary Jane is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Mary Jane at (202) 285-0706 for more information!

Mary Jane Chiantella at Certainty Home Lending (NMLS #206776)

Ken Liebegott is your Frederick local lender. As a loan officer at Certainty Home Lending, Ken is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Ken at (301) 578-5710 for more information!

Ken Liebegott at Certainty Home Lending (NMLS #448001)

SVP, Renovation Lending

Christina Dattilio is your Frederick local lender. As a loan officer at Certainty Home Lending, Christina is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Christina at (301) 578-5710 for more information!

Christina Dattilio at Certainty Home Lending (NMLS #448680)

Susan Caulfield is your Frederick local lender. As a loan officer at Certainty Home Lending, Susan is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Susan at (301) 578-5710 for more information!

Susan Caulfield at Certainty Home Lending (NMLS #457696)

Tom McLister is your Frederick local lender. As a loan officer at Certainty Home Lending, Tom is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tom at (301) 578-5710 for more information!

Tom McLister at Certainty Home Lending (NMLS #532688)

AVP of Mortgage Lending

Ryan Kassab is your Frederick local lender. As a loan officer at Certainty Home Lending, Ryan is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Ryan at (301) 820-4502 for more information!

Ryan Kassab at Certainty Home Lending (NMLS #1432502)

Joe Altobelli is a seasoned professional in the Mortgage Industry with over 30 years of experience.  Raised in Montgomery County, Maryland, Joe has deep roots in the community and a wealth of knowledge about the local market.


Beyond his career, Joe is passionate about spending time on the water. Whether it's boating, crabbing, or fishing, he finds solace and joy in the great outdoors. This love for nature and the water has not only provided him with a sense of relaxation but has also taught him the values of patience, perseverance, and respect for the environment.


One of Joe's core beliefs is treating people with kindness and respect. He firmly believes in the golden rule of treating others the way you want to be treated. This principle guides his interactions with clients, colleagues, and anyone he encounters in both his personal and professional life.


With his extensive experience in the Mortgage Industry, combined with his dedication to ethical and compassionate customer service, Joe Altobelli is a trusted advisor who goes above and beyond to ensure his clients' needs are met. Whether you're a first-time homebuyer or a seasoned investor, Joe is committed to providing personalized solutions and helping you navigate the complexities of the mortgage process with ease and confidence.


Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.

Sales Manager

Joe Altobelli is your Frederick local lender. As a loan officer at Certainty Home Lending, Joe is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Joe at (301) 775-2443 for more information!

Joe Altobelli at Certainty Home Lending (NMLS #698781)

Frederick

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7 Loan Officers Frederick, MD