About Us

Access Capital Mortgage

Access Capital Mortgage is a full service nationwide lender, known for its integrity and experience in the mortgage industry. We offer multiple loan programs with great rates and flexible terms. Access Capital Mortgage has three retail branches conveniently located in the Baltimore, Maryland Metro Washington D.C. area. The key to our success is that we offer a wide array of affordably priced mortgage programs and provide professional, experienced, local service that is second to none.

As an Operating Division of Presidential Bank, Access Capital Mortgage provides loans across the Greater Baltimore region and nationwide*. Access Capital Mortgage has provided over $10 billion in mortgage loans. Our experienced management team has served the Mid-Atlantic region for over twelve years.

At no time in recent history has the consumer of mortgage loans been confronted with more choices regarding the type and structure of mortgage loan products. Access Capital Mortgage understands the complexities and is ready to serve as your guide and assist you in making these important financial decisions whether purchasing your first home, upgrading, relocating or refinancing your home mortgage. Access Capital Mortgage is a company meeting the consumer's real estate financing needs for the future. All of this adds up to providing you with a very cost-efficient source of mortgage loan financing, with the personal touch that you want and deserve. No matter what your financing needs are, finding the right mortgage home loan just might be the most important financial decision you ever make. We at Access Capital Mortgage are ready to assist you NOW!

Presidential Bank, FSB

Presidential Bank, FSB, is a privately held $500 million federally chartered savings bank also headquartered in Bethesda, Maryland that has served the Mid-Atlantic region since 1985. We currently operate nine bank branches in Virginia, Maryland and Washington, DC. We are regulated by the U.S. Office of the Comptroller of the Currency as a federal savings bank and our deposits are insured by the Federal Deposit Insurance Corporation (FDIC).

Since inception, Presidential has maintained sound capitalization, never failing to meet regulatory capital minimums, even as the local banking industry in the Washington, DC area experienced significant difficulties and many failures during the late 1980's, early 1990's and during the financial crisis of 2008.

We have operated continuously under the same ownership and management since inception. We take pride in our stability and in our nearly 30-year record of home mortgage lending, commercial lending and deposit banking service to members of our local community.

NMLS#: 421593

*Access Capital Mortgage does not lend in California or NY.


Learn More

For more information on Access Capital Mortgage, please contact us at:

Access Capital Mortgage
4600 East-West Highway, Suite 400
Bethesda, MD 20814

Local: 301-652-1616
Toll-Free: 800-574-3151
Fax: 301-951-3312

To locate a Access Capital Mortgage Branch, please click here.


Learn More

Access Capital Mortgage is a great place to work! We invite you to contact us to hear how we can help you grow in your career. Access Capital is committed to equal employment opportunity at all levels throughout the company. We have a broad range of exciting employment opportunities and look forward to hearing from you.

Please send your resume and cover letter to Geanina Ward, Director of HR at: resumes@presidential.com, or fax (888) 840-2345 or call (301) 694-1518.

Company News

Learn More

April, 2017 - Debra Perper Dedicates Five Years to Rebuilding Together

One of our dedicated loan officers at Access Capital Mortgage, Debra Perper, has sponsored and worked with Rebuilding Together for five years and counting! Rebuilding Together Montgomery County is helping families with housing repairs in time of need. The goal is keeping homes warm safe and dry.

Rebuilding Weekend was April 29-30. Maybe your organization would like to give a helping hand? There are needs all year long. See their link below!

Rebuilding Together Montgomery County

December, 2015 - Access Capital Mortgage Rehabs Federal Hill Property, Opens New Office

Access Capital Mortgage moved into a newly-renovated office space at 1128 S. Charles St. in Federal Hill. ACM’s new property, which was formerly a residence, will be used as a storefront for the first time. ACM purchased the rowhome from an estate and began a Baltimore City Commission for Historical and Architectural Preservation (CHAP) renovation of the property.