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| " Welcome to My Virtual Office" |
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 “ Lending requires a blend of skill and art with a constant focus on the needs of the client and a commitment to excellent service…”
My goal is to help make sure your dreams of Home Ownership come true. Allow me to put my expertise to work in providing you with customized care that will satisfy your lending needs.
If you are thinking of purchasing your first home, refinancing your present home, purchasing an investment property or purchasing your Dream Home. I offer programs suited to your specific needs.
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| First Capital Mortgage Corp. Commitment |
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In navigating the process of purchasing or refinancing your home, where high pressure and short time frames are the rule rather than the exception, the team we have assembled has created a stellar reputation that is supported by technical expertise, sophistication and personalized attention to each client’s transactional needs.
First Capital is one of the preeminent mortgage brokerage companies in the United States. Our size and volume of transactions make us a powerful negotiator and enables us to secure the best rates available. We work with over 100 lending institutions; from major banks to highly specialized funding sources. This provides us with the flexibility of matching the right loan program with your particular need. In 2002, First Capital Mortgage funded over 3 billion dollars.
First Capital is also a direct lender or mortgage banker. We have our “in-house” underwriting, drawing of documents, and funding of loans. This gives us more control when a problem arises or when time is of the essence. Our underwriters have in-house delegated investors with competitive interest rates, and comprehensive programs.
" Creative Financing with Integrity " is more than just our motto at First Capital Mortgage, it's the cornerstone of our business model.
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| Our Mortgage Programs |
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First Capital Mortgage Corporation is qualified in handling various types of mortgage loans. These include but are not limited to zero point loans, fixed rate loans, adjustable rate loans, jumbo loans, A credit (conventional) BCD credit (less than perfect) and FHA mortgage loans. No matter what type of investment, we have a program for you. We have mortgage loans for real estate, apartment buildings, commercial property, or vacant land. Our flexible mortgage loan programs include allowance for gifts, cash out refi, as well as no fees, no asset, no income, and no documentation. To get a better idea of what we offer, check out our rate sheet. Feel free to use our payment calculator to assist you in your loan decision.
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| Items To Speed Up The Mortgage Process |
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Be prepared to provide the following typical items:
1. The final purchase contract for the house (not applicable if refinance).
2. Pay stubs for each applicant showing earnings for the last 30 days and year-to-date earnings. (These must be computer-generated or typed originals that identify the employer and the employee's name.)
3. Last year's W2 (employee) and 1099(self-employed) for each applicant. If you're self-employed, You may be need your personal and business tax returns for the previous two years and your company's year-to-date Profit and Loss statement.
4. Account numbers for all bank accounts, along with account statements for the past two months.
5. Evidence of your mortgage or rental payments, such as canceled checks.
6. Proof of insurance (coverage page only)
7. An irrevocable gift letter if you are receiving a monetary gift from a relative.
8. An e-mail address to receive your loan documents by e-mail.
9. An appraisal on the subject property (must be pre-paid).
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