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Personal Banking

Residential Mortgage Lending

National Capital Bank is uniquely positioned to offer home buyers and homeowners a better experience with the purchase of a new home or refinancing an existing mortgage.

Loan programs that offer the perfect financing solution

Whether you are a first-time homebuyer navigating your way through all the loan programs, ready to refinance your current mortgage and lock in at a fixed-rate or consider one of our adjustable-rate options, NCB has the perfect loan to meet your financing needs. 

For our Real Estate Professional partners - we look forward to partnering with you to offer your buyers these flexible solutions:

  • A full suite of loan programs with competitive rates
  • Portfolio underwriting to help get more of your deals approved and closed

For our Financial Advisors, Attorneys and CPAs - NCB can deliver custom solutions for your clients' real estate borrowing needs:

  • Financing programs every step of the way - from first homes, trade-ups and second homes/investment properties to the perfect dream retirement home
  • Customized solutions through our portfolio lending programs for your self-employed clients and those with complicated financial profiles and trusts
  • A trusted mortgage banking partner working together to deepen client relationships

First Time Home Buyer Programs

Our low down payment HomeReady® Mortgage program is designed to provide affordable opportunities for first-time home buyers.

  • Affordable mortgage insurance
  • As low as 3 % down payment
  • Homeownership education

With a Home Possible® Mortgage enjoy more affordable and flexible options to make home ownership a dream come true!

  • Affordable mortgage insurance
  • As low as 3 % down payment
  • Homeownership education


Our flexible loan programs are competitive with many options designed to meet home buyers' and homeowners' needs and goals.  Make NCB your mortgage lending home today and benefit from:

  • Local market expertise
  • Fast turnaround times
  • Competitive rates and terms with fixed-rate, fixed-term and adjustable-rate (ARM) options
  • Mortgages for primary residences, second homes and investment properties
  • Portfolio lending programs

If you are looking for your first new home, a second home or your dream home, would like to refinance your current mortgage, or are a realtor who is looking for a partner to offer your clients flexible financing solutions, call us today!  NCB's mortgage lending team will custom-design the perfect solution for your financing needs.

Apply online today in 4 easy steps.

Create your account
Confirm your contact information
Complete the mortgage application

Meet Our Mortgage Lending Specialists

Manjur Ahmed

Vice President, Mortgage Lending Director, NMLS# 604387, Direct Line: 202-878-6337

Lashay Thompson

Bank Officer, Mortgage Support Specialist, NMLS# 2225588, Direct Line: 202-845-8551