Step 1 of 8
Tell us about your plans
Share your goals and timing. We’ll guide you to the next step, which may include choosing a consultation time.
Mortgage guidance across Maryland, Virginia & Washington, DC
More mortgage options. One clear guide.
Compare eligible options across multiple lending sources—and understand the payment, cash needed, and tradeoffs.
Explore my options Start with a question—no application required.
Featured loan officerJay J. KimSenior Mortgage Loan OfficerNMLS ID #195502 · Licensed in MD, VA & DC
Ready to apply?Begin the secure application
Experience23+ yearsof experience
Licensed service areaMD · VA · DCCompany and featured officer
Company NMLS ID#1553990Verify through NMLS Consumer Access ↗Client experiences
What our clients say.
Ways we can help
Start with what you want to accomplish.
You do not need to know the loan program. An AMCFG loan officer can help compare eligible options and explain what may matter for your goal.
Purchase
Buy a home
Plan financing for a home purchase, including first-home and preapproval questions.
View stepsRefinance
Refinance a mortgage
Review whether replacing an existing mortgage may fit your payment, term, or equity goals.
View stepsReverse mortgage
Explore a reverse mortgage
Discuss whether a reverse mortgage deserves consideration for your situation and goals.
View steps
Already comparing options?
Get a second opinion on an existing estimate.
Bring your Loan Estimate. We’ll do our best to match a competing rate while comparing points, fees, and terms. We support the choice that works best for you, even if that means another lender.
A clearer path forward
Choose a goal. See what comes next.
Choose a mortgage process, then select the stage closest to where you are. These are general guides; actual steps can overlap, repeat, or vary.
Home purchase · 8 stagesScroll or swipe as needed
Step 2 of 8
Complete the online application
When you are ready, provide the information needed for a secure mortgage review through the online application.
Step 3 of 8
Review the options available to you
Your loan officer reviews your application and available documentation to assess which loan options may fit your situation, then follows up about questions or anything else needed.
Step 4 of 8
Prepare to shop with confidence
If the review supports it, a preapproval can help focus your home search and show sellers you are a serious buyer. It is not a final loan approval.
Step 5 of 8
Tour homes within your plan
Shop within a budget you are comfortable with and ask your loan officer to review a property or payment scenario when helpful.
Step 6 of 8
Send the signed contract
Once your offer is accepted, share the signed contract so property-specific loan work can move forward, including applicable disclosures, document requests, and key deadlines.
Step 7 of 8
Move through loan processing
The file moves through documentation, any appraisal requirements, and underwriting while your loan officer helps keep the next milestone clear.
Step 8 of 8
Complete the closing
After final requirements are satisfied and closing documents are signed, the purchase and loan can be completed.
Refinance · 7 stagesScroll or swipe as needed
Step 1 of 7
Tell us about your plans
Share your goals and timing. We’ll guide you to the next step, which may include choosing a consultation time.
Step 2 of 7
Complete the online application
Provide the borrower, income, property, and current-loan information needed to evaluate a refinance scenario.
Step 3 of 7
Review the proposed refinance
Compare the projected payment, loan term, closing costs, and other tradeoffs shown in the available estimates.
Step 4 of 7
Decide whether to proceed
If an option fits your goals, tell the lender you want to proceed and provide the requested supporting documents.
Step 5 of 7
Complete any property review
A valuation, appraisal, or additional property information may be required depending on the loan and property.
Step 6 of 7
Move through underwriting
The lender reviews the borrower and property information and follows up about any remaining conditions.
Step 7 of 7
Review, close, and fund the loan
Review the final disclosures and sign when ready. The refinance can fund after all applicable requirements and waiting periods are satisfied.
Reverse mortgage · 8 stagesScroll or swipe as needed
Step 1 of 8
Tell us about your plans
Share your goals and timing. We’ll guide you to the next step, which may include choosing a consultation time.
Step 2 of 8
Review the product under consideration
Clarify the product under consideration and review its costs, ways to receive proceeds, and ongoing responsibilities.
Step 3 of 8
Complete applicable counseling
An FHA-insured HECM requires counseling through a HUD-approved agency. Requirements for other reverse mortgage products may differ.
Step 4 of 8
Complete the online application
When you are ready, provide the information and any counseling documentation required for the selected product.
Step 5 of 8
Complete the property appraisal
The lender arranges an appraisal and reviews the property information and any product-specific property requirements.
Step 6 of 8
Move through the lender review
The lender evaluates the borrower and property information and follows up about any documents or conditions still needed.
Step 7 of 8
Review the final loan details
Review the final terms, costs, payment plan, and closing documents, and ask questions before signing.
Step 8 of 8
Complete closing and funding
After all conditions and product-specific timing requirements are satisfied, the loan can close and available proceeds can be disbursed.
Quick monthly-payment estimate
Estimate a monthly payment.
Move the sliders to explore your monthly payment. Open full calculator
Illustrative only—not an AMCFG quote, approval, commitment, or guarantee. Taxes, insurance, mortgage insurance, HOA dues, closing costs, and other charges may be excluded. Actual costs and eligibility vary.
Questions are welcome
Get oriented before you decide.
These answers are a starting point. Mortgage eligibility and terms depend on the borrower, property, documentation, program, and market.
Call (301) 678-1419Why talk with a mortgage loan officer instead of only one bank?
One bank generally starts with the products offered by that institution. AMCFG can help you evaluate eligible programs or lending sources that may be available for your situation. More options do not guarantee a particular rate or approval, but they can give you more possibilities to compare.
Do I need to complete an application or credit check just to ask a question?
No. An initial conversation can begin with your goals, timing, and general questions. If you later decide to pursue preapproval or a full application, your loan officer can explain what information and credit review may be required before you proceed.
Do I need 20% down to buy a home?
Not necessarily. Some loan programs allow a smaller down payment. Your options and costs depend on your qualifications and the property, and mortgage insurance may apply. We can help you compare eligible choices.
Should I get preapproved before shopping for a home?
Preapproval can help you understand a potential price range and show sellers that you are a serious buyer. It is useful before you start shopping seriously, but it is not a final loan approval or a guarantee of financing.
What does the payment calculator include?
It estimates principal and interest, plus the property tax and homeowners insurance amounts you select. Taxes and insurance set to $0 are excluded. The starting rate is a dated national reference, not an AMCFG quote. Mortgage insurance, HOA dues, and closing costs are not automatically included.
Will you try to match a rate from another lender?
Yes. Bring your Loan Estimate so we can compare the rate, points, fees, monthly payment, cash to close, and loan terms. We’ll do our best to match a competing rate through the options available to you, but a match is not guaranteed. We support the choice that works best for your budget and goals, even if that means another lender.
Your next step
Start with a question, not a commitment.
Tell an AMCFG loan officer what you are considering and get a clearer sense of the options and information that may matter next. Prefer to write? Send us a question.