Our team is small enough to give each client personalized attention and large enough to consistently deliver results. We have decades of experience in all facets of the real estate business. We also own and operate Elfant Pontz Properties, a property management, leasing and development company based in Northwest Philadelphia. Direct offers more than just financing – we provide insight that helps our clients make sound decisions.


Jared E. Pontz, President and Managing Partner

Jared E. Pontz is president and managing partner of Direct Mortgage Loan Company, and it’s parent company, Elfant Pontz Properties, a property management and development firm. Jared’s combined expertise in all facets of the Philadelphia real estate market inform his unique perspective on commercial lending. An active investor, Jared has developed a range of single, mixed-use and multifamily projects from adaptive reuse to new construction. He was listed as one of the “next wave of developers remaking our neighborhoods” by Philadelphia Magazine in 2017. In 2019 Jared was named as an “Influencer of Finance” by the Philadelphia Inquirer. The awards are presented to “the most influential financial professionals” in the region. Born and raised in Philadelphia, Jared earned his Master’s in Business Administration from Temple University’s Fox School of Business. He joined the company in 2005 after serving in the United States Peace Corps. He has served as the managing partner since 2009 and became president of the company in 2018. He also serves on the board of the Mt. Airy Business Improvement District.


Robert J. Elfant, Founding Partner

Robert “Bob” Elfant graduated from the University of Pennsylvania’s Wharton School in 1973 with a B.S. in economics and a specialization in business law. That year, he joined his father, Martin M. Elfant, in his real estate business. Bob served as president of the company now known as Elfant Pontz Properties, and its subsidiary operation, Direct Mortgage Loan Company from 1977 to 2018. During that time he also founded Elfant Wissahickon Realtors, the largest independent brokerage in the City of Philadelphia. Bob also owns and operates Philcard Properties, a real estate partnership that controls 200 plus residential and commercial units in Northwest Philadelphia.


Julia Glackman, Administrator

Julia is a graduate of Temple University and has been with the company since 2010. Julia plays a key role in the daily activities of the company. She does all of Direct’s conveyancing and is our client relations point person.


Nicole Belz, Financial Controller

Nicole joined our team in May 2017.  She is a graduate of Cabrini University with a Bachelor of Science in Accounting.  Prior to joining our team, she worked at a local mortgage company for 12 years doing mortgage accounting. Nicole adds a wealth of knowledge in accounting and management.


Molly Gavin, Marketing Director and DMLC Liaison

Molly has been with Direct Mortgage Loan Company since 2015. She is the marketing director for Direct Mortgage Loan Company as well as Elfant Pontz Properties. Molly works with the Direct team to help facilitate all aspects of the lending process. She studied journalism at Temple University and graphic design at Moore College of Art. She is also a licensed Real Estate Agent.


Janeen Drew, Administrative Assistant

Janeen started with the company in 2015 and transitioned to a full time role with Direct in January 2017. She is involved in many facets of the day to day workings of the company. Her energy, bright personality and excellent work ethic is a major asset to Direct and its clients.