Buying a home isn’t always simple. But at Capital First Mortgage, we simplify the loan process for you. We’ll be your trusted partner, guiding you through each step and offering personalized recommendations.
Tell us your vision and home-buying goals. We’ll present your options, find the path to an affordable monthly payment, and help minimize closing costs. Our streamlined system ensures a smooth closing, so you can get the keys to your new home faster.
Your Partner on the Path to Homeownership
We take a unique approach that prioritizes you. We listen carefully to your needs and goals, then work tirelessly to find the perfect loan that fits your budget.
We take the guesswork out of mortgages, guiding you through each step with clarity and efficiency.
We’re committed to getting you the best rates and terms, saving you money throughout your homeownership journey.
We believe in clear and honest communication, keeping you informed and empowered every step of the way.
We stand by our word, ensuring a smooth and stress-free experience.
Get the mortgage loan that works for you. Every homebuyer is unique but in our experience, clients want cost-effective solutions and a trustworthy lender to provide answers and guidance. At Capital First Mortgage, we strive to provide this and more for our clients.
We prioritize listening to buyers, meeting their needs, and delivering on our promises. With our diverse range of mortgage products, we’re confident that we can provide the recommendations that you need to succeed and get into the home of your dreams.
It’s normal to have questions when financing a home or other property. We’ve answered frequently asked questions to help guide you.
We’re here to answer any other questions you have. Call us at (800) 947-8959.
First, you should contact a trustworthy lender who will lay out everything you need for mortgage approval. This may include improving your credit score or saving for a down payment. Getting all of your questions answered and finding out your buying budget with pre-approval are great places for first-time buyers to start.
The down payment is the upfront payment made towards your home’s purchase price to give you some initial ownership stake (equity). Generally, a larger down payment translates to a lower monthly mortgage payment. While a 20% down payment is ideal to avoid private mortgage insurance (PMI), it’s not always required. The minimum down payment depends on the loan type you choose.
Refinance your mortgage when it makes the most financial sense for you. Because most refinances come with closing costs, it’s important to determine if the savings you’re getting from a new interest rate and loan term are enough to justify the costs. Additionally, some lenders recommend building at least 20% equity before refinancing or waiting at least six months after purchasing.
