Deibler Home Team

The Deibler Home Team — Frederick Mortgage Division

Paul Deibler, The Deibler Home Team’s branch manager and mortgage banker, hopes his clients come away confident that his staff provided them with the facts essential to making sound real estate decisions. The team, Shore United’s Frederick Mortgage Division, handles mostly residential mortgage loans and refinancing.

“Our job is to get (clients) pre-qualified, and get them out shopping, but also give them information they need to make decisions,” Deibler said. His team members look at a variety of factors, including monthly payment amount, how much money a client will have after closing, as well as their budget. They also offer programs that help buyers with downpayment assistance, construction and renovation loans, and portfolio bank products.

“Those (factors) are things that we want to review with the clients before making offers,” Deibler said. “There are plenty of loan officers out there that just say ‘You qualify for $400,000. Here is your $400,000 approval. Go shop’.”

“That is not all that is important,” he added. “I want to understand: What is your budget you want to stay under? How much money do you have to put out? What are your goals in the next five to 10 years?

“That will tell me [that] they qualify for a $400,000 house, but maybe they should only be shopping at $300,000 because that will put them in a good financial situation now and help them with their goals in the long-term.

“We really try to understand people’s goals along with their qualifications and support them through the process.”

Deibler, who has been in the mortgage business for nearly 20 years, was drawn to the field because of his mother, Bonnie, who has been involved in mortgage lending for 35 years. In his early 20s, Deibler would help her with office tasks on his days off. Today, his team is a family affair; his mom, brother, and sister all work at the office. He also hires and trains individuals that have a passion for helping clients with mortgages and refinancing.

Buying a home is typically the biggest purchase an individual or family will make, so Deibler enjoys assisting clients in achieving this milestone. “We really help people day-to-day accomplish their dreams with buying their own home, or moving into their dream home, or refinancing and helping them pay off debt, or putting them into a better financial position,” he said. “There are lots of things I like about my business, but the best part is that I get to help people every single day.”