Silver Spring, Maryland
Mortgage Company in Silver Spring, MD
- 100+ lenders, one application
- 25 minutes from our office
- No credit pull to start
Silver Spring is the closest big market to our Maple Lawn office, about 25 minutes up Route 29. Access Financial is an independent mortgage company in Silver Spring MD with more than 100 lenders behind every file.
Serving
Downtown Silver Spring to White Oak and Wheaton
Office
8115 Maple Lawn Blvd, Suite 350
Fulton, MD 20759
Phone
(443) 494-4001- Lenders100+ wholesale
- PreapprovalSame day letter
- MD license21763
- NMLS1370402
- $557KTypical Silver Spring home
- 12 daysTo pending
- $1,966Average monthly rent
- 25 minTo our office
Loan programs
Condos downtown, colonials in Four Corners
High rise condos near the Metro and brick homes on quiet streets. One mortgage company in Silver Spring MD handles both.
Condo loans
Downtown buildings each face their own review. Condo loans in Silver Spring go smoother when we check the association early.
Condo purchase loansFHA loans
FHA loans in Silver Spring offer 3.5 percent down with flexible credit rules.
About FHA loansConventional 97
3 percent down for qualified buyers. A common start for a first time home buyer Silver Spring file.
About Conventional 97Purchase loans
Silver Spring home loans for detached homes, townhouses and duplexes across the area.
About purchase loansFHA 203k renovation
Many 1940s and 1950s homes here need updates. A 203k rolls repairs into the purchase loan.
About 203k loansGovernment contractor loans
Contractors supporting the FDA campus at White Oak often earn in ways banks misread.
About contractor loansWhy us
A local office. A national lender list.
A bank lends only its own product. We are an independent mortgage company in Silver Spring MD, based 25 minutes away. One application reaches more than 100 lenders.
Close enough to meet
Our office is a short drive up Route 29. Stop in or handle everything by phone.
Condo reviews done early
We read the building documents before you commit, so approval does not stall late.
One loan officer, start to finish
The person on your first call stays with you through closing.
No credit pull at the start
We talk numbers first and check credit only when you choose to proceed.
The Silver Spring market
Rent near $2,000 makes owning worth a look.
Zillow put the typical Silver Spring home value near $556,503 in June 2026, with homes pending in about 12 days. Average rent sat around $1,966 a month.
A low down payment loan can bring ownership close to that rent. A mortgage company in Silver Spring MD can show you the real comparison the same day.
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
Is this where you are starting?
Most calls to a mortgage company in Silver Spring MD start with one of these four.
"I rent downtown and want a condo in the same building."
We check whether lenders already approve the building before you make an offer.
Condo purchase loans"We found a 1950s colonial in Four Corners that needs work."
A renovation loan covers the purchase and the updates in one mortgage.
FHA 203k loans"I work at the FDA campus in White Oak."
Federal pay and contract income both qualify well with the right lender.
Government contractor loans"We have saved about 5 percent and wonder if that is enough."
It can be. Conventional loans start at 3 percent and FHA at 3.5 percent.
Conventional 97Where we lend
Downtown, East County and beyond
One mortgage company in Silver Spring MD file covers downtown, East County and Wheaton. Searching for a mortgage lender near me from Takoma Park or Colesville? Our team handles Silver Spring home loans from 25 minutes away.
- Downtown Silver Spring
- Woodside
- Four Corners
- Indian Spring
- Long Branch
- Takoma Park
- Wheaton
- Glenmont
- White Oak
- Hillandale
- Colesville
- Calverton
- Fairland
- Burtonsville
- Kemp Mill
Meeting in person
Up Route 29 to Maple Lawn
For a mortgage company in Silver Spring MD buyers can visit, this is one of the easiest drives. Approximate times are below.
- From White OakRoute 29 northAbout 15 min
- From Four CornersRoute 29 northAbout 20 min
- From Downtown Silver SpringRoute 29 northAbout 25 min
- From WheatonMD 97 to MD 200 eastAbout 25 min
Other locations
Maryland areas we also serve
The same team and lender list cover each of these areas.
Before you apply
What to read first
Pages Silver Spring buyers use before choosing a lender.
Find out what you qualify for
See if owning beats your rent
Tell us how you earn and what you want to buy. Your options come back in writing, and credit is not pulled until you choose.
Call (443) 494 4001 to reach a mortgage company in Silver Spring MD, or stop by our office.
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
Silver Spring buyers ask
Why use a mortgage company for a Silver Spring condo?
Condo approval varies by lender. A mortgage company in Silver Spring MD sends your file to lenders that already accept the building.
What is the loan limit in Silver Spring?
Silver Spring uses Montgomery County's 2026 limit of $1,249,125 for a single family home.
Is 5 percent down enough for a first time home buyer in Silver Spring?
Often yes. A first time home buyer Silver Spring file can start at 3 percent down. The Maryland Mortgage Program may add help.
Can I finance a house that needs work?
Yes. An FHA 203k loan covers the price and the repairs together.
Can I meet you in person?
Yes. Our Maple Lawn office is about 25 minutes up Route 29 from downtown Silver Spring.
How fast can I get a letter?
Many buyers who call a mortgage company in Silver Spring MD like ours have one the same day.