Our Business Philosophy

 If you’re visiting us, it’s probably because we’ve helped someone you know with their home financing and you’ve heard good things about us. For years, our business has been entirely referral based, mainly from clients that recommend us to their friends, families and coworkers. So, naturally we operate a little differently than most mortgage lenders.


Our Commitment to Communication

We don’t keep typical big bank hours, because we recognize most people don’t make big life decisions Mon to Fri, 9am-5pm. Of course, we’re working then… but so are you.  We make a point of being available whenever you are… mornings, evenings and weekends. If you find the home of your dreams on Saturday morning, you shouldn't have to wait until Monday to make an offer.


Our Promise of Professionalism

Our experienced staff have each been in their roles for well over a decade, which means we're knowledgeable about our industry, our guidelines, our products and know how to make the mortgage process smoother and more cost effective for our clients. We take our responsibility to do the best job for our clients seriously, and promise professionalism in all our work.

Our Team

Matt Baker




NMLS# 190912

Licensed: MD, DC, VA

BA, University of Maryland

MBA, University of Maryland

MS (Finance), University of Maryland

Apply with Matt

Ramnik Aulakh


Loan Officer


NMLS#  1735222

Licensed: MD

BS, University of Maryland

MBA, The Johns Hopkins University

Capital Finance Mortgage

7112 Cypress Hill Dr, Gaithersburg, Maryland 20879, United States



By Appointment