Never take the first mortgage loan you are offered.
Your bank can only sell you what it owns. Access Financial is an independent mortgage company in Fulton, Maryland, licensed across Maryland, Virginia, Washington DC, North Carolina and Florida.
One application goes out to more than 100 lenders. You see what comes back before you commit.
Applications go out without your personal information attached. You decide who sees it in full.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
Nearly everyone gets stuck on one of these six
Saving a deposit feels impossible
Conventional and FHA programs ask for far less than most renters assume, and state grants can cover part of what is left
Your tax returns hide what you earn
12 to 24 months of bank deposits, or a profit and loss statement from your accountant, in place of returns.
You have never used your VA benefit
Your entitlement removes the mortgage insurance a civilian pays, and we close around your orders rather than against them.
Your income will not stretch to a rental
The property’s own rent qualifies it. On a DSCR loan we never look at your personal income at all.
Access Cash Without Refinancing
A second lien or a line of credit, so the rate on your existing first mortgage stays exactly where it is.
A lender already told you no
A different lender’s rule book. Same file, same paperwork, a different set of guidelines applied to it.
Why the same file gets different answers
This is the part almost nobody explains, and it is the whole reason shopping a mortgage loan is worth ten minutes of your time.
| A Bank Branch | A Wholesale Lender | |
|---|---|---|
| Who you are dealing with | The lender itself, selling the product it owns | An institution that never sells to the public directly |
| What sits inside the price | Branches, staff and advertising, all paid for out of your number | No branches and no retail sales force, so it prices differently |
| How you reach them | Walk in, or apply on their website | Only through a licensed mortgage company holding the relationship |
| If your file does not fit | The conversation ends there | Your file moves to a lender whose rules do fit it |
Every lender writes extra rules on top of the government ones
FHA, VA and USDA each publish a rule book. What surprises most people is that individual lenders are free to add stricter requirements of their own on top. The industry calls these overlays, and none of them are published anywhere you can read.
Credit
One lender works to the credit floor the program itself published. The next quietly insists on better before it will look at the same file.
Existing debts
Your car payment and student loan sit comfortably inside one lender’s debt-to-income guidelines and stop the file dead at another’s.
The property itself
A lender happy to finance condominiums this quarter can stop taking them the next, without telling anyone outside the industry.
So a decline from a single bank tells you almost nothing about the rest of the market. It is one institution’s appetite on one day, not a verdict on whether you can buy a house. We hold relationships with more than 100 lenders and track where their appetite sits, so your file goes to the ones whose guidelines actually fit it.
Why you will not find rates or figures on this page
Anyone advertising one number is advertising to someone who is not you. What you can borrow, what you need up front and what it costs are set by your credit, your income, the county and the program, and they move week to week.
So we leave the figures to the licensed loan officer who takes your call. You get your numbers, for your file, in writing, before any credit is pulled.
You tell us how you get paid
Income, debts, savings, and what you are trying to buy or refinance. A short form or a phone call, whichever suits you. There is no credit pull at this stage and nothing is submitted anywhere.
We put it in front of the market
We match your file to the lenders whose guidelines fit it and return the options you qualify for in writing. Your personal information stays with us until you pick one.
You choose, we close
One loan officer takes your file through underwriting, appraisal and closing. You keep their direct line the whole way, and you close on the date your contract needs.
Nadeem Bhatti
Looking for a mortgage company near you?
Our office is at Maple Lawn in Fulton, Maryland, midway between Baltimore and Washington DC. Everything after the first call is digital, so a file in Charlotte moves at the same speed as one in Howard County.
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What people ask us first
What is the difference between a mortgage company and a bank?
A bank can only offer you the mortgage loans it owns, priced off its own retail rate sheet. An independent mortgage company works the other way round. You complete one application, we send it to the wholesale lenders whose guidelines fit your file, and we bring back what each one will do so you can compare them before choosing.
Is a mortgage company better than my bank?
It depends on your file. A bank has one rule book and one rate sheet. If your mortgage loan does not fit it, that is the end of the conversation. We work with over 100 lenders whose overlays all differ, so a decline from one bank tells you very little about the rest of the market.
Do I pay you?
In most cases the lender pays us, not you. Where there is a fee you pay, it is disclosed in writing before you agree to anything, and it appears on your Loan Estimate. Nothing turns up at closing that you have not already seen.
Will this hurt my credit?
Not at the start. The first conversation is questions about your income, your debts and your savings, with no credit pull. We only check your credit once you are ready to move forward.
Mortgage enquiries made inside a short shopping window are also treated as a single event by the main scoring models, so comparing lenders properly does not cost you the way people assume.
How fast can I be pre-approved?
Same day for most files that arrive complete. The application takes about ten minutes.
Worth knowing the difference: a pre-approval is a lender’s view based on what you have told us and your credit. Final approval comes later, once underwriting has reviewed your documents and the property has been appraised. Most loans close in 30 to 45 days.
How much down payment do I need?
Less than most people expect, and for some borrowers none at all. We do not publish a figure here because there is no single right one. It moves with the program, your credit, the county you are buying in and whether you qualify for assistance.
A licensed loan officer will give you your actual number on the first call, before any credit is pulled. Eligible veterans and rural buyers have the lowest requirements of anyone, and down payment assistance can cover part of what is left.
Can I get a mortgage loan if I work for myself?
Yes. If your tax returns understate what you really earn, we can qualify you on 12 to 24 months of bank deposits, a profit and loss statement prepared by your accountant, or your assets. These are the programs retail banks most often do not offer at all. See bank statement loans
Which states are you licensed in?
Maryland, Virginia, Washington DC, North Carolina and Florida. Our office is in Fulton, Maryland and the process is digital, so you can apply, upload documents and close from anywhere in those states. A Texas licence application is in progress.
Find out what you qualify for
Tell us how you get paid. We shop it and send your options back in writing, free, with no credit pull to start.