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Reverse Mortgage Team

 A reverse mortgage can be an effective tool for giving seniors additional cash to live on using the equity in their home. However, it is not a decision to be taken lightly. It's important to work with an experienced originator who can help you assess your unique situation to determine if a reverse mortgage is right for you.

Frank Neubauer

Cell = 410-707- 4577
Languages - English
Licensed in the following states: 

  • MD Lic # 26926
  • VA Lic # MLO-24669
  • DC Lic # 0493189
  • PA lic # 50723
  • NMLS # 493189


 Frank is a financial services professional with over 40 years of experience in several financial services industries ranging from banking to insurance.  He has served in numerous positions with responsibility for training and management of over 3,000 financial advisors across the country for Next Generation Financial Services which was a division of 1st Mariner Bank.

Frank started his career in banking with the FDIC in New York.  Subsequently he relocated to Baltimore where he joined the newly formed Columbia Bank and Trust where he managed commercial lending where he quickly rose to the position of Senior Vice President and Chief Loan Officer.

From Columbia Bank he joined 1st American Bank as Senior Vice President heading up two Corporate Banking Groups.  In 1992 he moved on to Taneytown Bank and Trust where he became President and CEO, doubling the size of the bank.

Taneytown Bank was sold in 1998 and Frank joined Colonial HealthCare, a Third Party Administration firm which served local and regional clients.  It was here that he met Doug McLain and formed Institutional Marketing Services, LLC (IMS) which entered into a joint venture that operated as a division of 1st Mariner Bank, trading as Next Generation Financial Services. Next Generation grew to the 4th largest Reverse Mortgage lender in the country.

Frank focuses on financial strategies he and his associates have created and are marketed through established networks involving Financial Professionals, Elder Law Attorneys and Realtors.  Frank works directly with seniors and is passionate in his desire to help them improve their financial security.

The Financial Professional community has begun to recognize that retirement planning must include a person's largest asset, their home.

Frank has served on the board of directors of numerous Business and Non-Profit organizations, for many in the capacity as President or Chairman including the Columbia Foundation, Columbia Housing Corporation and The Maryland Bankers Association.

Dean Gray

Cell - 443-944-2613
Languages - English
Licensed in the following states: 

  • NMLS # 1294504
  • DE # MLO-1294504
  • MD # 28982
  • VA # MLO-25323VA



Born and raised on the Eastern Shore of Maryland (Salisbury), Attended College at Goldey Beacom, and Wor-Wic College,

Dean is a past president of the Salisbury area chamber of commerce, Salisbury Wicomico Lions club and a past member of the Salisbury chapter of the JC’s.

Starting his career in 1983 when he first obtained his insurance license in property and casualty as well as life and health. Dean has been actively engaged in helping his clients meet their needs for well over 30 years.

Using his experience in Insurance and realest, Dean Joined Senior Planning Services in 2014 as a loan originator for Fidelity Direct Mortgage, to assist in the education and to better the quality of life for a countless number of Seniors that would otherwise struggle through their golden years.

Dean has always had a desire to Help and to serve and through Fidelity Direct Mortgage and Senior Planning Services that desire is realized through the gratitude of his clients.



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Fidelity Direct Mortgage LLC NMLS #188829
555 Quince Orchard Road, Suite 411, Gaithersburg, MD  20878
Direct:  (301) 869-6000
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NMLS#188829 http://www.nmlsconsumeraccess.org
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