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If you can imagine it, we can do it. FHA, VA, Conventional, Jumbo, Fannie Mae and Freddie Mac -- and dozens of other ways to help you unlock the doors to you new home.
Before you even start home shopping, get prequalified by one of our mortgage professionals.You’ll have the clout of a cash buyer. You'll know how much you can afford. And be well on your way to the mortgage program that's right for you as soon as you make the offer!
You don't pick the house that is best for someone else, you pick the one that's right for you! Trust our professionals to find the mortgage loan that best fits your needs, too. "Less paperwork and more personal attention" means you enter a frustration-free zone from application to decision. Getting the right mortgage loan is like getting the keys to your new house! We can help you get there.
Browse our website to learn about today's rates and programs, what you'll need to apply, how easy it is to prequalify and earn the clout of a cash buyer, and how we help find the loan that's right for you. You'll be putting up -- and then taking down -- that SOLD sign in no time!
If you own a home and are just looking to refinance, get a second mortgage or cash out equity, you've come to the right place! There are almost as many loan programs as there are home owners. We'll help find you the right one. You can pay down your balance faster, consolidate high-interest revolving debt, or cash a check to use toward your dream vacation, home improvements, college tuition -- anything you can think of!
Putting it together.
When buying or refinancing a home the process can be overwhelming. This can be a turn off to most which can lead to missed opportunities on the market place. It's important that you not only have your finances in order but you also get the best information to limit the possibilites of danger. If it's just information you want we can provide you with a complete analysis on your current situation. In some cases, we are pleased to tell home owners that the loan they are currently in couldn't be better and not to touch it. This validation not only helps but gives them confidence as they walk out feeling 100% secure.
Watching the flow.
The difference between a good agent and a great agent is that a good agent will know the information that is given in industry standards. The great agent will seek more information and stay on top of the laws and changes in the market place. At one point, due to the market crash, rules were changing on nearly a daily basis in the mortgage industry. Many of the agents who had made a good living in a thriving market were being forced out. They weren't able to keep up. In short, they were in it for the short term and weren't prepared for the tremendous amount of work to stay up on the trends. While several mortgage companies were closing their doors, we thrived. Many of our competitors were stumped on what we were doing. There was no secret, only hard work and awareness kept us in the game.
The Bottom Line
When we thought we had seen the lowest rates we would ever see they went even lower. Unfortunately this was in large due to the market spiral in 2008. The feds had to react and they did so by lower the rates to assist in keeping the housing market going. There is a long list of other fed involvment to help the drowning market. In light, rates are truly at the lowest in the history of financing. You can borrower more money at a fixed rate and obtain a payment that is right within your budget. We all know our limits on what we can afford which can often put our home buying plans on the back burner. Before you tuck that idea away deep in the box of hopes and dreams, consult someone about your desires. See where you might possibly fit in to all this opportunity going on around you.
Clear Skies Ahead?
Beginning in 2008 many homeowners who had taken advantage of some risky hibrid loans found out the hard way and were forced to foreclose. The government stepped in by taking over Fannie Mae and Freedie Mac(also see T.A.R.P. Funding) in hopes of stabilizing the industry. Mortgages were being bought back by the banks and/or modifying the current loans to keep people in their homes. Still, the housing market seems far from stablization but in spite of the disaster there are some hidden solutions that shed great light and open up tremendous possiblities for what seems to be a dreary situation. Let us help you.
Financing with Capital Mortgage Services is much easier than expected. Meeting with loan agents is always done with apprehension and caution. The good thing is that most of agents who were risky have been forced out due to new laws governing loan agents. The smart ones stay while the quick buck finders are long gone.–Think about it
While several mortgage companies closed their doors, Capital Mortgage Services continued to thrive. Many in the industry were asking how they were doing it and what was the secret. CMS's response was only "We take our jobs serious and it shows to our clients. We aren't in this to get rich, we do it because we truly enjoy helping families everyday."–Capital Mortage Services
Providing information to people to many parts of California. From Ventura to Sacramento and back down to Palm Springs we provide mortgage services all over. –We're everywhere
FHA, VA, Conventional, Commercial or Jumbo loans, we have solutions. Turn your curiousity into fact and contact us for valuable information now.–Capital Mortgage Services
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