First Capital

In 1989, First Capital was a small, three person mortgage company.  Today it is one of the largest mortgage companies in the nation, and services San Diego County, Orange County, and Contra Costa County in California.  They are both mortgage bankers and mortgage brokers, which allows them to provide their clientele with a variety of mortgage products, in fact, they have access to over 99% of loan programs available in the market place.  They also underwrite and fund loans in house, which gives clients greater control through the loan process.

First Capital believes that one of the driving forces in their success is their strong belief in the “customer for life” attitude in business.  Most of their business comes from customer and local real estate professional referrals.

Applying at First Capital

You have two options when you apply for a mortgage with First Capital online.  You can plunge right in and fill out their complete application form if you are certain you are ready to apply for a loan.  This application takes five to ten minutes, and you can always save your application mid-way if you need to stop and return later.  The short application loan takes two to four minutes, and provides First Capital with basic information, and a loan officer will contact you once your application is received.  You can also submit an application over the telephone, have a loan officer contact you, or mail an application to your nearest First Capital branch.

First Capital Mortgage Loan Options

First Capital’s featured loan is the Pay Option Adjustable Rate Mortgage.  This mortgage offers you maximum flexibility with your monthly mortgage payments.  Instead of feeling like your mortgage controls you, you can change your mortgage options montly.  Each month, you can either choose to pay the minimum payment (based on the start rate), an interest only payment, or a fully amortized payment.  The rates start as low as 1%, and the loan can be as large as $6 million.  The minimum credit score for this loan is 620, and First Capital will accept Full/Alt/Reduced Documentation.  This loan is good for primary residences, second homes, and investment properties.

First Capital offers basic loans too.  They have Fixed Rate mortgages in terms of thirty, twenty-five, twenty, fifteen, and ten year terms.  They have no/low down payment options.

First Capital offers Adjustable Rate Mortgages with as little as 5% down.  They also offer Home Equity Line of Credits and Jumbo loans.

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