Jay J. Kim

Sr. MLO | NMLS: 195502

Licensed in: DC, MD, VA


5010 Nicholson Ln, Suite 100
Rockville, MD 20852


Welcome to my website


With over 20 years of experience in the mortgage industry, I am proud to serve as a Senior Mortgage Loan Officer in the DMV area. Having lived and worked in the vibrant region for more than 40 years, I have deep roots in the community. I grew up in Silver Spring, attending Bel Pre Elementary School and continuing my education through Paint Branch High School, ultimately landing in my home state university of Maryland where I study business finance.


My extensive knowledge and dedication to customer service have allowed me to assist countless clients in navigating the mortgage process with ease and confidence. I am committed to finding the best mortgage solutions tailored to each individual's unique needs.


Outside of work, I am an avid sports enthusiast. I enjoyed playing football and basketball in my earlier years, but now I focus on golf, which has become my primary pastime as I embrace the joys of getting older.


I look forward to helping you achieve your homeownership goals.


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Home Purchase Loans in rockville, silver spring, ellicott city

As a passionate and knowledgeable mortgage loan officer at American Capital Financial Group, LLC, I take pride in providing tailored loan solutions to meet the diverse needs of my clients. With expertise in a wide range of loan types, including FHA, VA, USDA, Jumbo, and Conventional, I am committed to guiding my clients through the intricate process of securing the ideal mortgage for their unique situation. Whether its a first-time homebuyer looking for a 100% Financing option or a seasoned investor interested in exploring Non-QM Loans, I am dedicated to delivering personalized and attentive service to ensure a smooth and successful borrowing experience.

When it comes to refinancing, I understand that each client has distinct goals. With access to an array of refinance programs, including FHA Streamline, VA Cash Out, and Conventional refinancing, I am equipped to assist clients in Rockville, Silver Spring, and Ellicott City, Maryland in finding the most advantageous solution for their specific situation. My goal is to make the refinancing process as seamless as possible, providing expert guidance and support every step of the way.

In Rockville, I am committed to helping residents navigate the complexities of mortgage financing. Whether its securing a home purchase loan or refinancing an existing property, I am dedicated to offering personalized and attentive service to meet the unique needs of Rockville homeowners. With an in-depth knowledge of the local real estate market and lending landscape, I am well-positioned to guide clients through the process of obtaining the ideal mortgage product for their home in Rockville.

In Silver Spring, I understand the importance of finding the right mortgage solution to achieve homeownership or optimize existing mortgage terms. With a focus on delivering exceptional service and expertise, I am dedicated to assisting Silver Spring residents in identifying the most suitable home purchase loans and refinancing options available. Whether its exploring down payment assistance programs or streamlining the refinancing process, I am committed to providing comprehensive support and guidance to Silver Spring homeowners.

In Ellicott City, I am passionate about helping homeowners achieve their financial and homeownership goals. With a deep understanding of the local real estate market and mortgage landscape, I am dedicated to providing personalized mortgage solutions tailored to the unique needs of Ellicott City residents. Whether its securing a competitive home purchase loan or exploring refinancing opportunities, I am committed to delivering top-notch service and expertise to support Ellicott City homeowners throughout their borrowing journey.

With a wealth of experience and a commitment to excellence, I am devoted to providing exceptional mortgage lending services to clients in Rockville, Silver Spring, and Ellicott City, Maryland. Whether its securing a home purchase loan, navigating the refinancing process, or exploring specialized mortgage programs, I am here to offer expert guidance, personalized attention, and unwavering support to help clients achieve their homeownership and financial goals.

Jay J. Kim picture
Jay J. Kim picture

Jay J. Kim

Sr. MLO

American Capital Financial Group, LLC | NMLS: 195502

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