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Michael J. Carr, Executive Vice President

Michael Carr serves as Executive Vice President of Presidential Bank Mortgage. He has been employed by Presidential Bank since early 2010.  Mr. Carr oversees the mortgage production offices in addition to Presidential Bank’s Mortgage management team.  Mr. Carr has over 30 years of mortgage industry experience. He previously served as Regional Manager for one of PNC/National City Mortgage Eastern Regions’ in charge of the mid-Atlantic production offices and operations areas.  He has been employed as the President of James Madison Mortgage Company, as well as Vice President of Secondary Marketing for Manufacturers Hanover and Society Mortgage Company.

Mr. Carr holds a BA in Economics and an MBA in Finance from the University of Connecticut.


Michael Niccolini, Branch Manager

Michael Niccolini is co-founder of Access Capital Mortgage and serves as its Branch Manager.  Since its founding in 2003, Mr. Niccolini has been responsible for all aspects of the growth and strategic direction of the company. 

Additionally, Mr. Niccolini has founded numerous successful companies in the residential real estate market, including founding Greenleaf Title and Escrow in 2001.  Prior to ACM, he served as Senior Counsel at Micro Strategy, Inc.   Mr. Niccolini earned a Juris Doctor of Law from the University of Michigan Law School and a B.A. from Cornell University. He serves on the boards of directors of the David L. Holder Education Foundation and the Baltimore Curriculum Project, Maryland’s largest charter school operator.

Mr. Niccolini lives in Baltimore, MD with his wife and three children.


Patrick Marsiglia, Vice President

Patrick has been a member of the ACM family since 2004, after launching his career with National City Mortgage in 1997.  Patrick has an extensive background in real-estate investment, development and lending that not only spans two decades but gives him a firsthand approach to financial strategy in real-estate.

After serving in Operation Desert Storm, Mr. Marsiglia was honorably discharged from the U.S. Army in 1996. He holds a B.S. degree in Business Communication from Stevenson University.

When not spending time with his wife and two children, Mr. Marsiglia is a real estate licensing instructor for the Greater Baltimore Board of Realtors. 

For more information on Access Capital Mortgage, please contact us at:
Access Capital Mortgage
4600 East-West Highway
suite 400
Bethesda, MD 20814

Local: 301-951-8242
Fax: 410-741-3699

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