a Atlantic Financial, Inc.

Our Rate Guarantee

We do not post rates on this website because we do not wish to participate in a game of "bait and switch". Some other mortgage companies advertise very low rates, "bait rates", which are often misleading and unavailable. We receive up to date rates throughout the day, and would like to have all the facts necessary to provide you with an accurate and honest rate quote. In fact, if we don't find the best current rate & terms when you close, we'll give you $100. You have our GUARANTEE.




About Us

Our mission is to provide all of our customers with helpful guidance in plain, clear English. Most of all we will guide our customers to find the loan that fits their own lifestyle and budgetary needs.

Our company was incorporated in 1993, and has successfully assisted thousands of consumers in the realization of home ownership and financial stability. Atlantic Financial, Inc. has established itself as a trusted guide and valuable leader in the mortgage banking industry and the home improvement community  through our thorough attention to legislative developments, technological advancements, and a code of strict professionalism.  The mortgage division offers a wide array of products for new home purchases, as well as refinances, for your primary residence, second home, or investment property.

The Atlantic Financial, Inc. Home Improvement Financing Division works directly with carefully selected contractors to provide financing to home owners for home improvement projects. The home improvement division offers a wide variety of loan options, with unsecured loans up to $30,000. An Atlantic Financial, Inc. Home Improvement Loan is a great financing option for a quick and no-nonsense way to meet your home improvement goals and to increase the value of your most important investment – your HOME! 

Atlantic Financial, Inc. is licensed for mortgage lending in Maryland, Washington DC, Pennsylvania, Delaware, Ohio, New Jersey, & Virginia (Atlantic Financial, Inc. of Virginia licensed by the Virginia State Corporation Commission MC-1860), and in over 20 states for home improvement lending. 

NM LS# 105710 (www.nmlsconsumeraccess.org)

Members in good standing: Mortgage Bankers Association
Maryland Mortgage Bankers Association
Maryland Improvement Contractors Association
National Association of the Remodeling Industry
Association of Pool and Spa Professionals


Association of Pool and Spa Professionals


Give us a call today at 301-277-7600 for a free, personalized consultation. You can also apply online. It is fast, secure, and easy.

Why wait? Let us go to work for you




Meet Our Staff

Our staff of loan experts is
here to help.

Click to view our staff


Apply Now

Get a Mortgage Loan today

Click Here


Our News Updated Daily

FOMC Statement: No Year-End Surprises
The Federal Open Market Committee (FOMC) said in its last statement for 2014 that although economic conditions have improved at a moderate pace, the Fed believes that the target federal funds rate of between 0.00 and 0.25 percent remains "appropriate." While labor markets show expanding job growth and lower unemployment rates, FOMC members noted that housing markets are recovering slowly.