Germantown, MD Loan Officer Carlos Celis at M&T Bank specializes in providing tailored mortgage solutions. Available 9 AM to 5 PM, Carlos expertly guides clients through every step of the home financing process, ensuring a seamless and efficient experience. He is committed to helping individuals and families in Germantown and nearby communities achieve their homeownership dreams by matching them with the ideal mortgage to meet their unique financial goals. Contact Carlos today for expert mortgage advice.