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Meet Our Leadership

Aerial shot of Pilot in Jet

Because of your commitment to serve our country,, powered by Meridian Bank, is committed to serving you.

Our VA Success Specialists are here to help. For more information on what sets us apart from the other banks, please read this letter from our President.


David Fitzell


For over 20 years, I have and continue to be committed to residential lending. Over time, I felt that the mortgage industry could do more to benefit our veterans and active military families, which is why we created, powered by Meridian Bank. It’s our way of saying thank you and gives us a chance to serve you. My grandfather served in the Navy and I have great respect for those who choose to serve and protect our country. I lead a team that I feel is one of the best at what we do. Reach out to us to see what we can do for you.

Jeff Albaugh

Assistant Director

My mortgage career started over 25 years ago. Through those years, I dedicated myself to loan originations and now I am proud to be the Assistant Director of Mortgage Banking for Meridian Bank. I hire and train new team members as well as oversee daily processes. My father fought in the Army during the Korean War and my brother served in the Navy so service members hold a special place in my heart. I studied Business Administration with a concentration in Marketing at the University of Baltimore. In my down time, I enjoy reading, spending time with loved ones and family, participating in Church and volunteering with My Sister’s Circle. Let me and my team help you achieve your dream of Home Ownership today!

April Freitag

VA Success Specialist

Since 2004, I have been dedicated to the thousands of homeowners I have helped navigate the mortgage process. My experience as a real estate agent prior to my lending career enhances my effectiveness as a client advocate, and I would be honored to advocate for you and others like you who have served our country. My grandfather served in the Navy in the early 1940s, and I believe all service members should be treated like family. I live in Baltimore County, Maryland with my husband, two boys and two boxer pups. I have a passion for fitness, and I love cooking, watching my kids play sports and really anything that involves water and sunshine.

David Horvath

VA Success Specialist

If you are looking for a great VA mortgage experience, then you have come to the right place. I don’t like surprises and know you don’t as well. I have been helping both veterans and active-duty military families for close to 30 years. My father was in the Army and in fact my older sister was born while he was stationed in Germany in 1961. I have built my reputation on providing outstanding service and results to my clients, and I have been blessed to receive over 515 five-star reviews from satisfied clients posted on Zillow in just the past eight years. Whether you are looking to purchase a new home or refinance an existing one, you can count on me to always look out for your best interests, and keep you informed throughout every step of the lending process. I will work directly with any Real Estate Agent of your choice and keep them informed as well. If you are looking to be guided by one of the most experienced mortgage loan officers in the country, then don’t delay and call me.

John Robb

VA Success Specialist

Thank you for stopping by to get to know a little bit about me. I have been a mortgage loan officer for over 30 years. For the past 15+ years I have also managed a team of loan officers while continuing to produce mortgages myself. I feel it is important to lead by example. Prior to being a loan officer, I was a Russian Linguist in The United States Air Force where I proudly served for 10 years. I studied and practiced Judo for over 50 years. Thanks to my military and martial arts backgrounds, I am organized and dedicated to everything I do. My goal is to protect my clients and make sure they are fully informed of all their options. I approach each client as I would a family member or close friend. There is no greater joy than knowing I have helped someone achieve their dream of home ownership.

Sunmeet Sawhney

VA Success Specialist

In the four years that I’ve been a loan officer, I have excelled rapidly, and now I manage multiple mortgage branches for Meridian Bank. Prior to mortgages, I have years of experience in the real estate market where I acquired a vast knowledge pertaining to buying, selling, and renovating. I was also a retail pharmacist for over a decade which taught me the importance of asking the right questions, understanding my customers’ needs, and offering creative solutions. I dedicate myself to client satisfaction and take pride that I now have over 100 Zillow reviews. I look forward to providing this same level of service to our military and their families. I am a native of Howard County and enjoy spending time outdoors with family and friends. I also am fluent in Punjabi and Hindi.

Paul McCausland

VA Success Specialist

In the 28 years I’ve been originating mortgages, I have accrued significant knowledge and experience. There are a lot of lenders to choose from and most will tell you what you want to hear. My job is not to tell you what you want to hear, but to tell you what you need to know. I know the VA loan inside and out so you can trust me to guide you through the process while giving great service at a fair price. In my free time you can find me enjoying the outdoors and fishing.

Michael Jefferson

VA Success Specialist

Buying a home can be involved and complicated, but the approach for me since I entered the industry in 2003 has always been very simple: do the right thing. Every buyer comes to the table with a different set of circumstances. Your challenge is to find the right person for the job. My duty, once you choose me as your loan officer, is to do whatever it takes to make your loan work in your favor as best as possible. That all starts with the simple premise of always looking after your best interest. I will look at your loan from every angle and work hard to get us to the closing table. My father, an army veteran, instilled in me the value and rewards that come from hard work. He bought his first house for our family using the benefits provided by the Veterans Administration. Today, I am fortunate to be a part of and a top producer at Meridian Bank. Let me help you with your new purchase. Let’s get to work!

Matthew Weaver

VA Success Specialist

I am a dedicated and knowledgeable mortgage professional serving residential homebuyers and homeowners throughout the country. I focus on the highest degree of customer service, efficiency, and ethics. The VA Home Loan is a great product, and I’m here to help more Veterans and active military use the benefits they have earned. My father served in the Army for four years and my father-in-law as well as my brother-in-law both served in the National Guard. It is my honor to serve our military by doing what I do best – home mortgages. My goal as a mortgage professional is to educate my customers about the lending process so that they are able to make clear knowledgeable decisions about their lending needs. My team and I are committed to serving each customer with the highest level of service, integrity, and professionalism. We will provide a smooth and hassle-free loan experience.

Kelly Williamson

VA Success Specialist

I have been in the mortgage industry serving clients as a senior loan officer for 25 years. I am well versed in structuring files and developing strategies for purchase and refinance VA loans. My best strength is listening to my borrowers’ needs and finding the most attractive options to satisfy their desires. Lastly, providing great service with returning calls promptly and being accessible is what separates me from the rest. I am a hardworking originator that will not leave any stone unturned, and I am willing to roll my sleeves up to get the job done.

Father and Daughter

Why a VA Loan?

Active duty service members, veterans and their spouses have the exclusive benefit of obtaining a 100% loan. This is just one of many benefits the VA provides!

learn more About VA Loans
Jon S, Air Force

Jon S.


Exceptional Service

Bought a house stateside while stationed in Japan so we could move right in. David not only provided unparalleled service but was able to get me a phenomenal rate. I have already recommended him to family and friends. First experience buying a home and it was smooth even being on a 13 hour time difference.

Man and Woman

C & J


Best Lender to Work With!

If you’re a first time home buyer or using a VA loan then using David is a must. He will help you through everything and will put your mind at ease the whole way. David is incredibly experienced in his role, and he also is very patient in answering questions. He also happens to be one of the nicest people to work with. For a process that is innately stressful, David actually made it feel easy! We are incredibly lucky to have been connected with him and we absolutely give him our highest recommendation!


CJ & Heather


Happy 1st time home buyers

My husband and I recently purchased our first home with the VA home loan, and Dave, Jenn and the team were extremely helpful and patient with us through the process. Dave was always very responsive to any questions we had and made us feel at ease. He was actually able to reduce our rate several days prior to closing which was a really nice surprise. We would absolutely recommend Dave!

Family - Mother, Father, and Child

William & Family


Great Experience

This was my second time working with Dave. The first time was in 2016 on a refinance and then this time on the purchase of a new home. Both times I have been impressed …I would highly recommend Dave for your home loan needs.

Woman smiling

Hayley M


Top Notch!

With an already low rate on our 30 yr fixed, we were skeptical anyone could make a refi worthwhile. But after contacting David, not only was he able to drop our rate… he also shaved years off the loan term!

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