Discover Your Dream Home in Tennessee & California with First Capital Mortgage Inc.
Trusted by 25+ leading lenders
Tailored Mortgage Solutions to Meet Your Unique Needs
At First Capital Mortgage Inc, we’re more than just a mortgage broker. We’re your partners in making homeownership a reality. With a deep understanding of the Colorado market and a commitment to personalized service, we’re here to find the right mortgage solution for you.
Home Purchase Loans
Refinancing Solutions
First-Time Homebuyer Programs
Loan Programs for Investors
Non-QM Loans
Down Payment Assistance
Reverse Mortgage
Retired & struggling to pay your bills? A Reverse Mortgage might be the perfect solution. Get a free consultation today!
At First Capital Mortgage Inc, Your Home Dreams Take Flight
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. We hope you’ll browse our website, check out the different loan programs we have available, use our decision-making tools and calculators, and use our secure online application to get started.
Areas We Serve
Reno, NV
Local Reno mortgage experts helping buyers and homeowners find the right home loan solutions with personalized service.
Indio, CA
Helping Indio homebuyers and homeowners secure the right mortgage solutions with personalized local guidance.
Modesto, CA
Local Modesto mortgage experts helping buyers and homeowners find the right home loan options with personalized service.
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What types of mortgage loans do you offer?
We offer a variety of loan options including Conventional, FHA, VA, USDA, Non-QM, and Down Payment Assistance programs. Our goal is to find a mortgage solution that fits your unique needs.
How do I know which type of loan is right for me?
Choosing the right loan depends on several factors like your credit score, down payment, income, and financial goals. Our experienced loan officers can help you assess your situation and recommend the best option for you.
What is the process for applying for a mortgage?
The mortgage application process involves several steps: pre-qualification, loan application, documentation submission, loan processing, and finally closing. We guide you through each step to ensure a smooth experience.
How much down payment do I need?
The required down payment varies depending on the loan type. For instance, conventional loans typically require 5-20%, while FHA loans can go as low as 3.5%. We also offer down payment assistance programs to help make homeownership more accessible.
Can I refinance my existing mortgage?
Yes, refinancing is a great option to consider for lowering your interest rate, reducing monthly payments, or tapping into home equity. We can evaluate your current mortgage and goals to determine if refinancing is right for you.
How long does the loan process take?
On average, the mortgage process takes about 30-45 days from application to closing. However, this timeline can vary based on individual circumstances and the specifics of your loan.
Do you offer assistance for first-time homebuyers?
Absolutely. We have programs specifically designed for first-time buyers, including educational resources and special loan options to help make your first home purchase a success.
Have any questions? Don’t hesitate to reach us.
Our team at First Capital Mortgage Inc is dedicated to providing you with all the information you need to make informed decisions about your mortgage. Don’t hesitate to reach out for more personalized assistance.