Montgomery County, Maryland
Mortgage Company in Montgomery County, MD
- 100+ lenders, one application
- One loan officer to closing
- No credit pull to start
You have probably heard one answer from one bank. Access Financial is an independent mortgage company in Montgomery County MD. One application puts your file in front of more than 100 lenders. Our office sits in Maple Lawn, about 25 minutes up Route 29 from Silver Spring.
Serving
Damascus to Takoma Park, the whole county
Office
8115 Maple Lawn Blvd, Suite 350
Fulton, MD 20759
Phone
(443) 494-4001- Lenders100+ wholesale
- PreapprovalSame day letter
- MD license21763
- NMLS1370402
- 100+Wholesale lenders
- 40+Loan programs reviewed
- Same dayPreapproval letter
- 30+ yearsMortgage experience
Loan programs
Home loans from Germantown to Chevy Chase
Purchase, refinance and specialty loans for every part of the county. Each program below runs through the same mortgage company in Montgomery County MD file, handled by one loan officer.
Purchase loans
Conventional and FHA loans for buyers moving up or buying their first place. Montgomery County home loans start with one application and several lender answers.
About purchase loansFirst time buyers
Low down payment options plus state help through the Maryland Mortgage Program. A first time home buyer Montgomery County MD file gets checked against every program it fits.
Down payment assistanceJumbo loans
Many homes in Bethesda, Potomac and Chevy Chase sit above the county limit. Jumbo loans in Montgomery County go to lenders that want large balances.
About jumbo loansRefinancing
Rate and term, cash out or a move off an adjustable rate. A refinance in Montgomery County MD starts with whether it actually saves you money.
About cash out refinancingVA home loans
For veterans and service members, including families at Walter Reed in Bethesda. Eligible buyers put no money down and pay no monthly mortgage insurance.
About VA loansSelf employed and investors
Bank statement loans for business owners and DSCR loans that qualify on rent. Neither one depends on your tax returns.
About self employed loansWhy a mortgage company
A bank has one answer. We have over 100.
A bank can only lend you what it owns, at its own retail price. We are an independent mortgage company in Montgomery County MD homeowners use instead. We send your file to more than 100 wholesale lenders and bring back each answer.
One application, many lenders
You apply once. We match the file to lenders whose guidelines fit it and send your options back in writing.
One loan officer, start to finish
The person who takes your first call stays on your file through closing. You keep a direct line the whole way.
No credit pull to find out
The first conversation covers income, debts and savings. Nothing touches your credit until you pick an option.
County limits worked in your favor
The 2026 conforming limit in Montgomery County is $1,249,125 for a single family home. Staying under it avoids jumbo rules, so we structure around it where we can.
The county market
Homes move fast. Get your letter first.
Zillow put the typical Montgomery County home value near $627,000 in mid 2026. Homes went under contract in about 10 days. A seller in Rockville or Silver Spring will not wait on a buyer still shopping for a lender.
A same day preapproval letter from a mortgage company in Montgomery County MD gives your offer weight. Get it before the weekend open house, not after.
What one application gets you
- Lenders who can see your file100+
- Loan programs reviewed40+
- Time to a preapproval letterSame day
- Loan officers handling you1
- Credit pulled to get this farNone
Who we help
Which one of these is you?
Most people who call a mortgage company in Montgomery County MD start with one of these four sentences.
"The house in Bethesda is over the loan limit."
Jumbo pricing varies a lot from one lender to the next. We send the file to the ones that want large balances and compare them side by side.
Jumbo loan options"The bank says our condo building does not qualify."
A condo can fail one lender's project review and pass another's. We check the building early, before you are deep into an offer.
Condo purchase loans"My tax returns make me look like I earn half what I do."
Business owners often write off most of their income. A bank statement loan uses 12 to 24 months of deposits instead of returns.
Bank statement loans"We rent in Wheaton and the down payment feels impossible."
Conventional loans can start at 3 percent down and FHA at 3.5 percent. State grants may cover part of what is left.
Down payment assistanceWhere we lend
Every corner of the county
One mortgage company in Montgomery County MD file covers the whole county, from Damascus to Takoma Park. Searching for a mortgage lender near me from Olney or Burtonsville? Our Maple Lawn office is closer than most Bethesda branches.
- Bethesda
- Chevy Chase
- Potomac
- North Bethesda
- Rockville
- Silver Spring
- Takoma Park
- Wheaton
- Kensington
- Olney
- Burtonsville
- Gaithersburg
- Germantown
- Clarksburg
- Damascus
- Poolesville
- Aspen Hill
- Glenmont
- Colesville
- Laytonsville
Meeting in person
Driving to Maple Lawn
Most files with our mortgage company in Montgomery County MD team close without an office visit. If you would rather sit down, here are approximate drive times to 8115 Maple Lawn Blvd.
- From BurtonsvilleRoute 29 northAbout 10 min
- From OlneyRoute 108 eastAbout 20 min
- From Silver SpringRoute 29 northAbout 25 min
- From RockvilleMD 200 east to Route 29About 30 min
- From GaithersburgMD 200 east to Route 29About 30 min
- From BethesdaI 495 to Route 29 northAbout 40 min
Other locations
Mortgage help across Maryland
Every area below is served from the same Fulton office and the same loan officer team.
Before you apply
More about how we work
What buyers read before choosing a lender for their Montgomery County home loans.
Find out what you qualify for
Start with one conversation
Tell us how you get paid and what you want to buy. We shop it and send your options back in writing, with no credit pull to start.
Call (443) 494 4001 to talk with a mortgage company in Montgomery County MD directly, or apply online. Ask for Nadeem or any loan officer on the team.
Access Financial Mortgage Corp. NMLS 1370402. Maryland Mortgage Lender License 21763. Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, property review and program guidelines.
FAQ
Questions people ask before applying
Why use a mortgage company instead of my bank?
A bank offers only its own loans at its retail price. A mortgage company in Montgomery County MD sends one application to many wholesale lenders. It brings back what each will do, so you compare before you commit.
What is the 2026 loan limit in Montgomery County?
The conforming limit for a single family home is $1,249,125 in 2026, because the county is a high cost area. Larger loans become jumbo loans with their own credit and reserve rules. Limits reset each January.
Will talking to you hurt my credit?
No. The first conversation uses no credit pull at all. Credit is checked only after you choose an option and ask us to move forward.
How fast can I get preapproved?
Buyers who call a mortgage company in Montgomery County MD like us often get a preapproval letter the same day. Having pay stubs, W2s or bank statements ready makes it faster.
Can I buy with a small down payment?
Yes. Conventional loans can start at 3 percent down, FHA at 3.5 percent and VA at zero for eligible buyers. A first time home buyer Montgomery County MD may also qualify for state down payment help.
Do I need to visit your office in Fulton?
No. Everything after the first call can happen by phone and online. Office visits are welcome at Maple Lawn if you prefer. It sits about 25 minutes from Silver Spring and 10 from Burtonsville.