Meet Jay Kim | Senior Mortgage Loan Officer in MD, VA & DC | AMCFG
Meet your local mortgage professional

Meet Jay Kim.

Senior Mortgage Loan Officer with more than 20 years of experience helping home buyers and homeowners throughout Maryland, Virginia, and Washington, DC.

Jay believes mortgage guidance should feel personal, clear, and straightforward—especially when you are making one of the biggest financial decisions of your life.

A note from Jay

Mortgage guidance should make things clearer.

Buying or refinancing a home comes with important decisions. Jay's role is to help clients understand those decisions before they move forward.

For more than two decades, I have helped clients navigate home purchases, refinances, preapprovals, documentation, underwriting, and closing.

I do not believe anyone should feel pressured into choosing a loan before they understand the numbers. I take time to explain available options, answer questions, and help borrowers evaluate what may fit their goals and timing.

Having lived and worked in this area for more than 50 years, I bring long-standing familiarity with the communities, neighborhoods, and people throughout the DMV region.

My goal is simple: make sure you understand your options and feel comfortable with the next step.

Jay KimSenior Mortgage Loan Officer
Experience that feels personal

Local roots. Family perspective. Direct support.

Jay combines long-term local knowledge with the personal attention clients expect when making an important financial decision.

50+

Years in the Area

Jay has lived and worked in the DMV region for more than five decades.

20+

Years in Mortgage Lending

Extensive experience across purchases, refinances, preapprovals, underwriting, and closing.

3

Children

As a husband and father, Jay understands how closely housing decisions connect to family goals.

1:1

Direct Communication

Clients work directly with Jay and have a real person to call when questions come up.

Jay's approach

More than simply processing an application.

Jay's job is to help clients understand the process, evaluate available options, and stay informed from the first conversation through closing.

01

Clear Explanations

Understand rates, payments, fees, documentation, and what comes next.

02

Honest Guidance

Discuss available options and tradeoffs without unnecessary pressure.

03

Responsive Communication

Have a direct point of contact when questions or concerns come up.

04

Support Through Closing

Receive guidance through preapproval, application, underwriting, and final steps.

What clients can expect

A calm, clear, and responsive mortgage experience.

Every client and every property is different. Jay focuses on understanding the situation before recommending the next step.

Personalized guidance Advice based on your goals, finances, property, and timing.
Local experience Familiarity with Maryland, Virginia, Washington, DC, and surrounding communities.
Direct access Speak with Jay directly rather than navigating an anonymous call center.
No-pressure conversations Ask questions before deciding whether you are ready to submit an application.
Start with a conversation

Have questions about buying or refinancing a home?

You do not need to be ready to submit an application. Start by telling Jay about your goals, timing, and questions, and he can help you understand what the next step may look like.

Office Address 5010 Nicholson Ln, Suite 100
Rockville, MD 20852

Jay J. Kim, Senior Mortgage Loan Officer, NMLS #195502. Licensed in Maryland, Virginia, and Washington, DC. Mortgage options, rates, fees, programs, and eligibility vary based on the borrower, property, lender, loan program, and market conditions.

Jay J. Kim picture
Jay J. Kim picture

Jay J. Kim

Sr. MLO

American Capital Financial Group, LLC | NMLS: 195502

Getting started is Quick & Easy

If you have any questions, I’m here for you

purchase

refinance