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I’ve been in banking and lending since 1993 and became a mortgage loan officer in 2004. As a loan officer, I enjoy educating my clients on the homebuying process, so they can make the best decision possible regarding their financial future. I grew up in Anneslie in south Towson and attended Loyola High School. I earned a B.A. in Economics from the University of Delaware.  In addition to my lending career, I ran several of my own companies, including


Very pleasant and smooth experience. Would highly recommend to anyone.

- Melanie I.

Chris and his team were extremely helpful with our entire process from start to finish with the purchase of our home. Chris made the process very easy and without any additional stress involved.

- Richard P.

Chris had patience and did everything to get my mortgage.

- Barbara S.

My family and I would like to thank you for all of your help during the loan process. Your hard work and dedication to our loan paid off in the end and enabled us to get into our new home.

- Camy C.

My girlfriend and I recently bought our first house, and since the beginning Chris was there for us. Any question we had he answered and was always available if we ever needed anything at all. If we were to move again I would definitely go through Chris again! I will always recommend him to everyone!

- j l.

He answered every single random question I had as a first time homebuyer. His replies to my questions were at times I wasn’t even expecting, which was great with my sporadic schedule. I really couldn’t have asked for a better lender. The entire experience was a breeze.

- J. M.

Chris was extremely easy to work with and very knowledgeable. He was quick to respond by email and phone no matter what crazy question or scenario I had come up with. I had "shopped" for lenders and spoke with multiple companies and banks. Chris was hands-down the best option by far!!

- Erin M.

Chris is an extreme competent loan officer. Any and all questions were answered honestly and in a timely fashion, which helped to keep our loan closing on schedule. We did not have the easiest financial situation to deal with, but Chris and his team were there to move the process forward and in a beneficial manner for both the lender and the borrowers. If you're looking to buy a home or refinance your existing mortgage, my wife and I highly recommend that you reach out to Chris Montcalmo and the folks at Sierra Pacific...

- ajemerick01

Chris was easy to work with and always responded quickly to any questions that we had. We found a house we loved and did everything extremely quickly and Chris made sure that was possible. He explained everything to us and made sure that we were comfortable through the entire process.

- rickl486

Chris was great to work with. He was very responsive and got back to me quickly. He always answered questions thoroughly and if he wasn’t sure he would let me know and follow up once he had the answer. As a first time home buyer I had A LOT of questions and Chris was great. Highly recommended.

- Ben
Chris Montcalmo

Chris Montcalmo

Mortgage Loan Officer
NMLS ID #: 943752

Direct: 410-812-6854
Fax: 866-423-1813

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