Mark Richards Citizens One

Mark Richards

Loan Officer at Citizens

NMLS ID #658916

Main Number
(202) 537-3552(202) 537-3552


6903 Rockledge Dr.
Bethesda, MD 20817


(202) 537-3552(202) 537-3552
Fax Number
(844) 295-3335(844) 295-3335
Mortgage Calculator
What Can I Afford

About Us

About Me

As an award-winning loan officer with more than 32 years of experience in home financing, I thoroughly understand the complexities of mortgages and can help clients determine the best choice for their individual circumstances. I am well-versed in a full spectrum of loan programs and have particular expertise in conventional and jumbo purchases, as well as specialty products like home construction loans and physician mortgages.

I pride myself on being honest and straightforward, so clients stay well-informed throughout the loan application process. I am sincerely dedicated to providing first-class service and enjoy the fact that each customer is different and each day is never the same.

I have originated over 7,000 successful transactions totaling over $2 Billion during my career and have consistently ranked in the top 1% of the mortgage banking industry rankings. As a sixth generation Washingtonian, I understand the DC area market and enjoy serving the citizens of my community with their financing needs. When I’m not helping customers, I’m exploring my interests in cycling, scuba diving and farming.


  • 2019 Citizens of Excellence Winner
  • 2018 President's Club

Education & Certifications

  • B.A. in Economics, University of Richmond
  • Citizens One Construction-to-Permanent Certified
Link to linkedin

About Citizens

Our team of mortgage experts at Citizens is committed to helping customers find the home loan solution that’s right for them. We offer a variety of programs: affordable home loans, government loans, jumbo financing, new home construction-to-permanent financing, and more. Whatever your mortgage needs—buying a home, building a home, or refinancing an existing mortgage—we’ll provide answers and insights to guide you through the process, from application to closing.

Featured Products & Services

  • Fixed and adjustable rate mortgages
  • Affordable home financing programs
  • FHA/VA loan programs
  • Jumbo loans
  • Condo financing
  • Physician home loans
  • Second home and investment property loans
  • Construction-to-permanent financing
  • Renovation-to-permanent financing

Fast. Convenient. Easy. Apply Online Today.

Our simple online mortgage application process makes it faster for you to get a new home loan. Easily connect your financial documents and get through the application in as little as 10 minutes!²

Manage Your Mortgage on the Go

The Citizens One Home Loans® mobile app is an easy and convenient way to manage your Citizens mortgage on the go. Available from the App Store® or Google Play.³ Download and register today!

Get 0.125% Mortgage Interest Rate Discount

Ask me how you could save money when you set up automatic payments from your checking account and enroll in electronic billing statements for your new home loan.

Mortgage Calculator
This simple purchase mortgage calculator is an illustrative tool to help you estimate what your monthly mortgage payment could be when shopping for a home. You can adjust your loan amounts, interest rate and loan term to see how much your payment might change. It’s important to know that your specific interest rate will depend on your overall credit profile including your credit score, income, and debt-to-income ratio (the sum of all of your debts and new mortgage payment divided by your gross monthly income). I am happy to help explain the details and all the different product options we have available so you have a more definitive idea of how much house you can afford.
Calculate Your Monthly Payments*
Calculate Your Maximum Loan Amounts*
Loan Amount
Interest rate (%)
Loan term
Interest rate and loan term are both required. Loan term must be between 120 and 360 months.
Monthly Payments
Total Cost of Mortgage $400
Monthly Payments
Interest rate (%)
Loan term
Interest rate and loan term are both required. Loan term must be between 120 and 360 months.
You Could Borrow
Total Cost of Mortgage $400
*Disclosure: The above tool estimates potential fixed rate monthly mortgage payments for purchase transactions and does not include property taxes, homeowners’ hazard insurance, mortgage insurance, flood insurance, homeowners association fees, closing costs or any other related monthly fees. This calculator is intended for informational purposes only and accuracy is not guaranteed. This calculator does not assure the availability of or your eligibility for any specific product offered by Citizens or its affiliates, nor does the calculator predict or guarantee the actual rate. You are viewing a third party created calculator and as such, Citizens assumes no responsibility for, nor does it control, endorse or guarantee any aspect of your use of this calculator.

Mortgage Learning Center

We’re here to make sure you have the resources and solutions to help you reach your potential. Starting your research early is often the key to a successful financial transaction. With that in mind, we’ve put together a guide to help you learn more about mortgages and the home buying process.