John P. Downs

SVP – SENIOR LOAN OFFICER

NMLS ID #: 476406 | Licenses

O: (202) 899-2603

115 West Street, Suite 200

Annapolis, MD 21401

Apply Here

John P. Downs

SVP – SENIOR LOAN OFFICER

NMLS ID #: 476406 | Licenses

O: (202) 899-2603

115 West Street, Suite 200

Annapolis, MD 21401

Apply Here

John P. Downs

SVP – SENIOR LOAN OFFICER

NMLS ID #: 476406 | Licenses

O: (202) 899-2603

115 West Street, Suite 200

Annapolis, MD 21401

Apply Here

The Downs Mortgage Group

Licensed in DC, Maryland & Virginia

John is the architect and founder of The Downs Group. He’s not content to be a top mortgage lender in the DC Metro area (which he is) — he wants to reinvent the process of getting a mortgage.

John wants the lending process itself to illuminate a path to financial independence for his clients. That’s why he helps people become financially literate so that they can make intelligent financial decisions.

John’s motto is wealth for the next generation. Whether you count yourself as part of the next generation, or are ready to build the next level of wealth for yourself, John thinks everyone deserves a great financial foundation. John will tell anyone who will listen that a mortgage is an instrument of leverage — and that a mortgage allows you to use someone else’s cash to build your own wealth.

John’s team is comprised of mortgage experts who also happen to be fierce competitors, client advocates, friends, athletes, coaches, neighbors, parents and dog lovers.

Josh Brawer

Loan Manager

NMLS ID #: 748785

Victoria Wilkerson

Loan Manager

NMLS ID #: 1389742

Rob Tobin

Loan Manager

NMLS ID#: 2116421

Nick Kennedy

Loan Manager

Testimonials

The Downs Group @Vellum Mortgage gets a 5-star from us! They took the time to discuss options and put together a detailed plan for our refinance. With Covid drastically hurting our small business, we needed someone who cared that we got the best refinance possible. John and his team truly cared about what matter most to us and made sure to set us up for success. We are thrilled with their service and our new mortgage rate and payments! We feel like we hit the jackpot with selecting them as our refinance manager. I highly recommend The Downs Group @ Vellum Mortgage!

M. Hamilton

John and his team are professional and well versed in the economy. This allows them to make a great recommendation for their clients. Nothing was forced on us and our options were laid out and reviewed with John at our convenience. When making a large financial decision (like purchasing or refinancing a house), there are a lot of emotions involved. Can we afford this? What is the best option for us? Should we wait? All questions that John and his team discussed with us and we worked collectively on the best option for us. We have used John a few times, referred to friends and family, and will continue in the future when needed.

M. Smith

As first-time home buyers – we were terribly nervous about the whole process. However, John took the time to not only explain the entire mortgage process, but he also walked us through it all step-by-step in a way that put all our anxieties at ease. John made sure to make himself available for all questions, answering quickly, efficiently, and in an easy-to-understand format. When we were finally ready to buy, John and his team quickly put together all the paperwork needed to help us make the strongest offer possible. We are now happily living in our dream home – and The Downs Group was a huge factor in helping to make that happen.

K. Kamradt

Blog Posts

What Are Closing Costs?

During the long process of house hunting, mortgage closing costs are sometimes an overlooked factor until it’s time to pay. Understanding and preparing for closing…

Mortgage Relief: What Is Forbearance?

The stress of a looming mortgage payment can feel crushing when finances take a downturn. In response, many homeowners begin searching for relief options until they…

Save Big on a Refinance as Rates Hit 3-Year Low

Millions of borrowers can now save big on a mortgage finance as rates have hit the lowest level in more than three years. The average rate on the 30-year fixed mortgage just…

Top Tax Benefits of Owning a Home

Owning a home will often be the most expensive and important purchase you will make in your life. To encourage home ownership, the IRS has provided several tax breaks…

Read More

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