Get To Know Us

Reverse mortgages are our niche and we are at the forefront of evolving reverse mortgages into the strategic tool they are now considered to be. 

With a combined 65 years of experience, we take pride in moving the industry forward through advance conversations on securing a better retirement by accessing housing wealth.

Our mission is to help clients achieve financial security and peace of mind so they can comfortably age in a home that’s suitable for their long-term needs.

Who We Are

We are a tight-knit team that operates as a family. Several of us have even worked together for 10+ and in some cases 15+ years, making us a cohesive unit that consistently delivers for our clients.

While operating as a boutique firm, we bring the resources of one of the nation’s largest mortgage lenders.  Primary Residential Mortgage, Inc. (PRMI) is a nationwide, multibillion-dollar operation founded in 1998. Its top leaders are authorities in the mortgage industry. 

With 250+ branches, licensed in 49 states and more than 1,500 employees, PRMI has been repeatedly recognized as a top mortgage lender and was recently inducted into the 2018 Ellie Mae Hall of Fame for Excellence in Compliance.

Our focus is providing equity-based retirement solutions. Because reverse mortgages are just part of the equation, we have an extensive network of strategic partners – financial planning, long-term care planning, estate planning, tax & insurance experts – available to further assist our clients on a referral basis.

Our Visionary

Steven J. Sless, CLTC®

Founder, The Steven J. Sless Group of Primary Residential Mortgage Inc. – The Lender’s National Division Dealing Exclusively With Reverse Mortgages

NMLS: #298581

Steven J. Sless inspires the group to serve as the premier source for reverse mortgages for nationwide. With him at the helm, the team brings a deeper level of knowledge of how housing wealth fits into a successful retirement income strategy. This allows for a far more intelligent conversation with our clients.

Clients, strategic partners and the industry have all taken notice of Steven through his progressive use of seminars and videos, as well as his continued presence in the media, where he is regarded the “go to housing wealth source.”

Our Team

Andrew S. Parker

Production Manager

Brandy Nickoles

Operations Manager

Robert Sklar

Loan Originator

NMLS: # 1161107

Sharon Birdow

Loan Originator

NMLS: # 176375 5 // GA MLO # 47 

Joseph Susserman

Loan Originator

NMLS: # 986529

Justin Zornman

Loan Originator Assistant

How We Work

Our team has the proficiency and efficiency to close reverse mortgage loans much quicker than the industry average. Because of our experience, we get clients approved for loans that other lenders don’t.

We assess your overall situation to ensure that a reverse mortgage is a proper fit. We’ll answer questions, discuss your goals and your finances to determine suitability. 

You can rest assured that if we feel this may not be the best option for you, we will tell you. 

Communication is paramount. Our clients know where they stand at all times, regularly hearing from us throughout the loan process and even after.


We are proud to align ourselves with key industry associations and local nonprofits. 

Explore the boxes below to learn about our role with these important organizations.

Setting us apart from the competition, Steven is one of very few mortgage professionals to have earned the CLTC®: Certified Long-Term Care professional designation.
We are active members in, and Steven is a frequent conference keynote speaker for NRMLA, the national voice of the reverse mortgage industry.
We are members and Steven is the past branding ambassador in the MSRN, which connects seniors and their families with trusted, experienced professionals.
Steven serves on the board & chairs the Marketing and Young Professionals Committees. We also sponsor the Pikesville Farmer’s Market & various networking & professional events.
We are Grand Champion sponsors of the Greater Maryland Chapter's Walk to End Alzheimer's signature event and Steven serves on the sponsorship committee.​

Let's Work Together!

NRMLA and Equal Housing Logo

Steven J. Sless, CLTC®

Steven J. Sless has become regarded as the “go-to housing wealth source” by various media outlets. Bringing nearly 20 years of mortgage industry experience, he founded The Steven J. Sless Group of PRMI, the lender’s national division dealing exclusively with reverse mortgages.

A powerful speaker and communicator, Steven regularly gives seminars and learning workshops for homeowners 60+, their family and trusted advisors. Exploring the nuts and bolts of reverse mortgages, Steven presents the facts, dispels common myths and misperceptions, and answers questions so his audiences can make informed decisions and take control of their retirement.

In 2019, Steven earned the CLTC®: Certified Long-Term Care professional designation, demonstrating that he also has acquired the critical tools necessary to discuss the subject of longevity and its acute consequences on a client’s family – financially, physically and emotionally – years down the road.

“Possessing knowledge of long-term care and what decisions must be made before care is needed will allow me to better serve the needs of my clients,” Steven says. “Having a deeper understanding of my clients’ needs will allow me to have a more advanced conversation with them, their family and trusted advisors.”

In addition to helping clients and educating colleagues and audiences, Steven loves spending time with his wife and two young daughters. He also is an avid fan of the Baltimore Ravens and Orioles, and he enjoys playing golf and cooking.

Steven J. Sless NMLS# 298581 . Licensed by the Delaware State Bank Commissioner to engage in business in Delaware 5644 expires on 12/31/2021. Georgia Residential Mortgage Licensee. Georgia Department of Banking and Finance 6521. Indiana-Department of Financial Institutions Consumer Credit Division, First Lien License 11069 Secretary of State Securities Commission Second Lien License 103936. C.P.D. Reg. No.-19-07981

Andrew S. Parker

Andrew Parker began his career in the mortgage industry in 1999 and transitioned to focusing solely on reverse mortgages in 2008. Through the years, Andrew has built a stellar reputation in scaling mortgage teams and overseeing products and systems training.

He has worked in tandem with Steven for the past 18 years and now oversees day-to-day production operations at the Steven J. Sless Group. In addition to managing loan originators and coordinators, providing product training and helping them to structure loan scenarios, Andrew works with credit desks to get clients approved.  He also navigates underwriting approvals.

Andrew is a big reason why The Steven J. Sless Group get clients approved for loans that other lenders don’t, and why the team closes loans much quicker than the industry average.  He has consistently forged strong bonds with and earned the trust of clients and strategic partners.

Brandy Nickoles

Brandy Nickoles has over 17 years of experience in the mortgage industry, dedicating the last 8 years solely to reverse mortgages. With great knowledge of the reverse mortgage product, she is committed to making sure our borrowers have a seamless experience.

Instrumental in creating infrastructure from file setup through loan funding, Brandy manages the loan pipeline. This includes everything from analyzing documentation and loan scenarios, to creating and implementing process/procedures, and coordinating with lenders.

Brandy also trains and oversees team members to ensure tasks are completed timely and efficiently. Having worked with Brandy for nearly a decade, Steven and Andrew can attest that her attention to detail and organization is top notch.

Robert Sklar

With 10+ years of mortgage industry experience, Robert Sklar educates clients about reverse mortgage loans and the strategy of incorporating housing wealth in retirement planning.

In doing so, he structures loan scenarios based on clients’ specific goals and needs. He also reworks loans to new terms and identifies additional conditions as needed to insure a viable credit decision. And he analyzes credit reports, property appraisals, titles and associated documentation.

Passionate about making a profound impact in the lives of his clients and others, the Hofstra University graduate has become a trusted resource of information and education in and around Baltimore.

ROBERT SKLAR: NMLS 1161107. Maryland Department of Labor, Licensing and Regulation Commissioner of Financial Regulation #5511.

Sharon Birdow

Bringing 30 years mortgage industry experience, Sharon Birdow is adored by her clients and colleagues alike.

The West Chester University graduate, wife and mother of four has served as branch partner and originating loan officer, branch manager and senior mortgage loan officer. She was named Loan Originator of the Year in Volume in 2016, 2017 and 2018.

At The Steven J. Sless Group of PRMI, Sharon helps clients 60+, their families and trusted advisors to obtain reverse mortgage loans. She regularly consults with financial professionals on the benefits an HECM provides and how to utilize this tool in individual retirement planning.

“It’s my privilege to educate and empower older Americans about the versatility of reverse mortgages,” Sharon says. “I love helping our clients achieve financial independence and peace of mind in their golden years.”

SHARON BIRDOW. NMLS#176375 // GA MLO # 47859. California – Licensed by the Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act 4130403. A copy of our Privacy Policy and Notice is accessible by going to Primary Residential Mortgage’s website and clicking on the “Privacy Policy” link located at the bottom of the page. – District of Columbia-Department of Insurance, Securities and Banking Department MLB3094. Distrito de Columbia-Florida Office of Financial Regulation MLD646. Oficina de Regulación Financiera de Florida MLD646. Georgia Residential Mortgage Licensee. Georgia Department of Banking and Finance 6521. Indiana-Department of Financial Institutions Consumer Credit Division, First Lien License 11069 Secretary of State Securities Commission Second Lien License 103936. C.P.D. Reg. No.-19-07981 Indiana-Departamento de Instituciones Financieras, División de Crédito al Consumidor, Licencia de primer grado 11069, Secretaría de Estado, Comisión de Valores, Licencia de segundo grado 103936. C.P.D. Reg. No.-19-07981

Joseph Susserman

With 10+ years of experience, Joe Susserman is a top-level producer with a proven track record of success in the reverse mortgage space.

At The Steven J. Sless Group of PRMI, Joe educates homeowners to determine if a reverse mortgage will meet their financial goals. He then helps clients to navigate through all steps of the loan process.

“I enjoy assisting seniors to help them live a better retirement,” said Susserman, who has three sons and two grandchildren. Joe says, “I aim to provide the highest level of customer service and be responsive to all of my clients’ needs.”

JOSEPH SUSSERMAN: NMLS 986529. Maryland Department of Labor, Licensing & Regulation Commissioner of Financial Regulation #5511.

Justin Zornman

Fifteen-year customer relations and hospitality management veteran, Justin Zornman is the group’s first remote hire.

Based out of Kalamazoo, MI, he is responsible for helping clients to navigate the loan process. He also assists loan originators and aids the processing team to expedite loan closings.

A University of New Orleans graduate, Justin is currently completing his studies to pass the mortgage originators exam, get licensed and, one day, open a Michigan branch for the group.

“I am honored to ease the way for homeowners, 60+ to secure a better retirement,” Justin says. “I look forward to ultimately establishing The Steven J. Sless Group of PRMI as the market leader in Michigan.”


The Steven. J. Sless Group is fully operational and committed to expediting loans for our clients during these unprecedented times.

We have implemented the following measures to ensure the safety of our team members, strategic partners and valued customers:

  • Virtual meetings
  • Electronic applications and signatures
  • Contactless home appraisals
  • In-person meetings with social distancing and other necessary precautions


Call us at 410-814-7575 or schedule an appointment. (link )

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