About Our Legacy
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
We're not a bank. We work for you
Access Financial Mortgage Corp. is a multi-state licensed mortgage broker based in Fulton, Maryland. As a broker – not a retail bank – we access wholesale rates from 100+ institutional lenders and shop your loan across all of them to find the best rate and program for your situation.
That distinction matters. A bank offers one product at their rate. We offer the entire market at the best available rate. On a 30-year mortgage, that difference compounds into tens of thousands of dollars.
We’re licensed in Virginia (MC-5948), Maryland (#21763), DC (#MLB1370402), California (#60DBO57445), Florida (#MBR2238), Texas, and West Virginia (#MB1370402). Wherever you are in our 7-state footprint, your loan comes with the same wholesale rate access, the same 100+ lender panel, and the same dedicated loan officer model.
Verified, licensed, and accountable - here's how to check
NMLS# 1370402 — Verified Multi-State License
Access Financial Mortgage Corp. is registered on the Nationwide Mortgage Licensing System. Our license is publicly searchable at nmlsconsumeraccess.org. Every loan officer in our office holds an individual NMLS license. No unlicensed staff member handles your mortgage file.
HUD-Approved HECM Lender
We are an approved originator of FHA-insured Home Equity Conversion Mortgages (HECM). HUD approval is required to originate reverse mortgages – it cannot be self-declared. Our HECM practice follows the education-first, no-pressure approach required by federal guidelines.
VA-Certified Loan Officers
Our VA loan officers are certified in VA loan origination, entitlement calculations, Certificate of Eligibility requests, and VA Minimum Property Requirement appraisals. We close VA loans in 30 days — the same timeline as conventional purchases.
Multilingual Support
We have bilingual loan officers available for Spanish, Korean, Hindi, and Urdu-speaking borrowers. Language is the primary barrier to homeownership for many immigrant communities. We remove it.
100% Digital — Close From Anywhere
Our entire mortgage process is digital-first. Secure online application, e-signature, document upload, and real-time loan status updates. Military families, remote buyers, and out-of-state investors close without stepping into an office.
A dedicated loan officer - not a call center
When you work with Access Financial, one loan officer handles your file from the first conversation to the closing table. Their direct line. Their email. No transfers. No ‘your file has been assigned to our processing team.’
That model exists because the #2 complaint in the mortgage industry — after closing cost surprises — is communication blackouts during processing. We solve it by design, not by accident.
Each professional brings a strategic, client-focused approach to delivering exceptional service and long-term value. Together, we are committed to guiding every client with integrity.
Nadeem Bhatti
Brande Clark
Harvey Smilovitz
Kacey Ximines
Daniel James
Scott Cooper
Peter Habib
Michelle Seeling
Donna Threadgill
Muhammad Warraich
Qanta Malik
Frequently Asked Questions
What types of mortgage loans does Access Financial offer?
We offer a wide range of options, including Conventional, FHA, VA, USDA, Jumbo, ITIN, Non-QM, refinance, and specialty loan programs.
How does Access Financial help me find the right mortgage?
We compare your situation across 100+ lenders to find loan options that fit your income, credit, goals, and financial needs.
Can I get pre-approved without a credit pull?
Yes. You can start the process without a credit pull. Access Financial reviews your basic financial information first and helps identify potential options.
Can I qualify for a mortgage without a Social Security Number?
Yes. Access Financial offers ITIN mortgage loans for eligible borrowers who don’t have an SSN, using alternative forms of credit documentation.
How quickly can I get a mortgage pre-approval?
Depending on your situation and documentation, Access Financial can often provide a pre-approval the same day or within 24 hours.