Keith, our mortgage lender, in front of a Capital Hill home

Residential Mortgage Lending

Make National Capital Bank your mortgage lending home today!


With over 125 years of experience and commitment to the community, National Capital Bank is uniquely positioned to offer homebuyers and homeowners a better experience with the purchase of a new home or refinancing an existing mortgage.

Keith Howard, NCB's Real Estate Lending Specialist is featured above.  Contact us today to learn more about our residential mortgage lending solutions. 

New loan programs offer the perfect financing solution 

We're not only adding to our residential mortgage loan team –we're also expanding our new loan programs, giving borrowers better homebuying solutions. Whether you are looking for a fixed-rate mortgage or one of our adjustable-rate options, NCB has the perfect loan to meet your financing needs. 

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

  • Competitive rates
  • Fast turnaround times
  • Flexible terms, including fixed-rate, fixed-term and adjustable-rate (ARM) options

Get to know us better – we'd love to help!

If you are in the market for a new home, a second home or your dream home, would like to refinance your current mortgage, or if you 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.  

Meet our mortgage professionals


Christopher S. Reddick
Vice President & Mortgage Sales Director
NMLS #393611
202.546.8000 ext. 6338


Keith Howard
Real Estate Lending Specialist
NMLS #953547
202.546.8000 ext. 6127



Get started today and apply now – Your new home is waiting!



Subject to credit approval. Terms and conditions apply. Not a commitment to lend and subject to change without notice.
National Capital Bank NMLS ID# is 663128. Learn more at  
www.nmlsconsumeraccess.org.