- David.Wheaton@CummingsRealtors.com
- 1850 York Rd # I, Timonium, MD 21093
- 24/7 (443) 902-4917
- Direct Line (410) 870-9961
Our mission is to help individuals and families achieve their dreams of homeownership by providing down payment assistance to those who may not have the resources to afford a down payment on their own. We believe that everyone should have the opportunity to own a home, and we strive to remove financial barriers that may prevent individuals and families from accessing affordable housing. Our goal is to empower communities by promoting stable homeownership, creating wealth-building opportunities, and increasing access to affordable housing. We are committed to supporting individuals and families throughout the home buying process, providing education and resources to help them make informed decisions, and working collaboratively with community partners to create sustainable and equitable housing solutions.
A senior loan officer and experienced lending advisor. Joe is eager to put his 15+ years of experience in the mortgage industry to work for you. Over the past 15 years, Joe has learned how to counsel his Buyers through many options and pitfalls, but the most important thing he has learned is that the American Dream of owning a home is real and available to everyone. And, Joe will make sure you get there. Joe strives to work with as many families as possible and help them achieve this goal. He has helped hundreds of families with buying their home, buying that special getaway at the beach or mountains, and helping real estate investors build their investment portfolios.
Joe’s goal in every transaction is to provide consumers with whatever they determine is important to them, including, open and honest communication, competitive rates and fees, a streamlined process through underwriting, on-time settlement, and continued support and resources after they close on their property.
As an experienced loan officer, Joe knows from the outset what consumers need to submit to get their application fully approved and thus avoid borrower frustration and delays throughout the purchase process. Whether you are buying your first home or your last, Joe will help you and your family through the mortgage process. Feel free to contact him with any questions you may have.
A dedicated real estate agent with a unique edge: over 14 years of real estate consulting experience and a background as a litigating attorney. David brings a supportive, solution-oriented approach to real estate, grounded in his deep understanding of contracts, negotiations, and winning strategies developed during his legal career.
David sees himself not just as an agent, but as a counselor—offering thoughtful support and sharp legal insight to help clients buy or sell with confidence. “There’s an enormous emotional component to being an agent,” he says. “You need compassion and a deep understanding of your client’s needs to guide them through the process.
Known for his attention to detail and calm demeanor under pressure, David excels at cutting through complex situations and making the process feel smooth and manageable. Whether it’s advising clients, marketing residential or commercial properties, or closing deals, David’s focus is always on delivering the best outcomes.
David chose to join Cummings & Co. because of its strong leadership, collaborative environment, and tech-forward systems that support both agents and clients.
He lives in Timonium, Maryland with his wife, their two young sons, and their two dogs. Outside of work, David enjoys fatherhood, playing basketball, hiking, and exploring Maryland’s food scene and natural beauty. He also cherishes time spent traveling to visit friends and family around the world.
