Ian Ford - Capital Bank

Purchasing a home is the most significant investment that a person will make in their life time. Our team methodically works to help home buyers structure a mortgage that works for their goals and future life plans, while also helping existing homeowners meet their needs by refinancing their current home. We believe that financial literacy is the most important part of the mortgage process. When working with our team, you will receive a high level of education on debt management that you are unlikely to receive anywhere else. Additionally, we have created a perfect loan process, and we know that you with have an exceptional experience when working with us.

Paul Defngin entered the mortgage business in 1996 and has worked as a loan processor, mortgage planner, underwriter, and loan officer. Paul currently works at The Yi Team dba of Vellum Mortgage, Inc. as an independent loan officer. Paul is very personable and has tremendous knowledge when it comes mortgage programs and the loan process. Both of these attributes help him select the very best mortgage solution for his customers. He constantly strives to exceed the expectations of his customers and business partners. For this reason, Paul's customers trust his judgment and value his advice. Paul has a very fluent understanding of both the real estate industry and the financial markets. As a result, he is often quoted by local publications, including The Washington Times and NVAR Magazine. Paul graduated from the Catholic University of America with a B.S. in Financial Management. He actively supports the Montgomery County Fire and Rescue Cadets High School Program and is proud to have been their first civilian sponsor. Paul has tremendous respect for our local firefighters and continues to support the firefighters community. Paul lives in Gaithersburg, MD with his wife and two boys. In his free time, Paul enjoys fishing and hiking. One of Paul's greatest achievements is hiking the Appalachian Trail from Harpers Ferry, WVA to its origination point in Maine.

John Walowac is a mortgage professional ready to help you navigate through every step of the loan process. He is an expert at making the process smooth and easy for his customers. John will assist you with any questions or concerns that may arise during the loan process, and guide you so that you can make an educated homebuying decision with confidence. John will do his best to facilitate the loan process to ensure your loan closes as quickly and as smoothly as possible.