Our Team Member
Dan Carnation
Senior Loan Officer
NMLS# 145809
I’ve been in the mortgage business for over 30 years. I actually started out as a loan processor, learning the ins and outs of how loans really work behind the scenes. After helping countless clients and working closely with loan officers, I decided to move into originating loans myself.
That foundation made a huge difference. I understand the process from start to finish — not just the sales side — which means fewer surprises, smoother closings, and a better overall experience for my clients.
Over the years, I’ve helped first-time buyers, move-up buyers, investors, and families navigating all kinds of life changes. One of the best parts of this job is seeing clients come back years later — buying a bigger home for a growing family, downsizing, refinancing, or purchasing a vacation property. Those long-term relationships are what this business is really about for me.
For me, it’s never just a transaction. It’s about understanding your situation, your goals, and what makes the most sense financially — both now and down the road. That approach has led to a lot of repeat clients and referrals, which I’m incredibly grateful for.
- First-Time Buyers – I’ll walk you through everything step by step so you feel confident and informed, not overwhelmed.
- PHFA Programs – I’m experienced with Pennsylvania Housing Finance Agency programs and how to make them work for you.
- Conventional Loans – Structuring competitive, smart financing options for a wide range of buyers.
- Self-Employed Borrowers – If your income isn’t “W-2 simple,” I know how to navigate it.
- FHA Loans – Helping buyers take advantage of FHA options when they’re the right fit.
- VA Loans – Assisting veterans and their families in using the benefits they’ve earned.
- 203(k) Rehab Loans – Financing homes that need work and helping you turn them into what you want.
- Credit Strategy – Offering practical guidance to improve credit scores and strengthen your position before applying.
At the end of the day, I want my clients to feel informed, comfortable, and confident every step of the way.
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2024 Loans Incorporated
Philadelphia Fidelity Mortgage Company DBA Loans Incorporated. NMLS# 2591313 All Rights Reserved. Licensed by the Pennsylvania Department of Banking License/Registration #109524. Licensed by the Florida Division of Consumer Finance.
For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Philadelphia Fidelity Mortgage Company DBA Loans Incorporated arranges loans with third-party providers; does not make any mortgage loan commitments or fund and mortgage loans.
Philadelphia Fidelity Mortgage Company DBA Loans Incorporated. NMLS# #2591313 www.nmlsconsumeraccess.org Equal Housing Opportunity.
610 Old York Road Suite 400, Jenkintown, PA 19046 | (215) 990-9849
