REAL ESTATE

FUNDING YOUR DREAMS

1-877-708-2018
NMLS ID# 1653607

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About Us
At Capital City Mortgage, we’re more than just a lending company — we’re your financial partner in building the life and legacy you deserve. 

Founded on a mission to empower individuals, investors, and families with smart lending solutions, we simplify the path to homeownership, investment, and business growth.

We provide a wide range of tailored loan products to meet your unique needs:
  • FHA, VA, and Conventional Loans
  • One-Time Close Construction Loans
  • HELOCs & Home Improvement Loans
  • Investor DSCR & Bridge Loans
  • Reverse Mortgages
  • Manufactured Home Loans
  • Business & Personal Capital Stack Loans
Whether you’re buying your first home, building your dream property, or funding your next investment, our team will match you with the right loan product — fast.Why Work With Us?

At Capital City Mortgage, we make capital connections that change lives.
A Personal Note from Tunita Bailey President & CEO Capital City Mortgage 
"Funding Your Dreams Starts Here."

Ms B The Money Lady

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Step into Homeownership with Confidence
Get PRE APPROVED TODAY

Traditional Loans

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Unlock Your Dream Home

FHA Elite Fixed 640

Primary Residence Only: Property Type: 1-4 Units o Purpose Type: Purchase or Refinance o Max LTV/CLTV: 96.5% o Min FICO: 640 o Max DTI: Determined by AUS o Base Loan Amount: $125,000 - FHA Mortgage Limit Jumbo Minimum is $1 over Conforming Loan Limit

FHA Fixed 580

o Property Type: 1-4 Units o Purpose Type: Purchase o Max LTV/CLTV: 96.5% o Min FICO: 580 o Max DTI: Determined by AUS o Base Loan Amount: Maximum is FHA Mortgage Limit

100% VA Elite 640

Purchase & Cash-Out Refinance (Primary Residence Only): o Property Type: 1-4 Units o Purpose Type: Purchase o Max LTV/CLTV/HCLTV: 100% o Min FICO: 580 o Base Loan Amount: Maximum is conforming loan limit; Jumbo minimum is $1 over conforming loan limit

100% VA 580

Purchase & Cash-Out Refinance (Primary Residence Only): o Property Type: 1-4 Units o Purpose Type: Purchase o Max LTV/CLTV/HCLTV: 100% o Min FICO: 580 o Base Loan Amount: Maximum is conforming loan limit; Jumbo minimum is $1 over conforming loan limit

Conventional Loan

Available for any occupancy • Follow regular LTV guidelines (max 97% for FTHB) • 1-4 unit primary • 1 unit only for secondary or investment • Repair budget up to 75% of After-Improved value (ARV)

100% DPA

100% CLTV FHA Loan with Down Payment Assistance • No income restrictions • 3.5% Second with 0% Note rate (No Payment) • Refer/Eligible OK

Reverse Mortgages

A reverse mortgage allows homeowners aged 62 and older to convert a portion of their home equity into cash—without having to sell or make monthly mortgage payments62 or Older- Purchase or Refinance

Manufactured Home Loans

A manufactured home loan helps you finance a factory-built home that’s built after June 15, 1976 and meets HUD standards. These loans can be used for purchase, refinance, or lot/home combo financing. Available for single-wide, double-wide, and triple-wide homes Can finance land + home in one loan

Renovation Loans

203KA renovation loan allows you to buy or refinance a home and roll in the cost of repairs or upgrades—all in one loan. Perfect for fixer-uppers or homes that need a little TLC! FHA, VA & Conventional 580+ Credit Scores

Jumbo Luxury Home Loans

A Jumbo Loan is designed for high-value homes that exceed conventional loan limits (typically over $766,550 in most areas). It's ideal for luxury homebuyers, investors, or self-employed borrowers seeking flexible financing for premium properties. Strong credit (typically 700+ FICO)

Ready to Fix or Flip Your Next Project?
Let us get you funded?

Non Traditional Loans

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Maximize Your Profits

Investor DSCR-Buy and Hold Up to 85%

Buy and Hold Investment Properties Up to 85% Purchase Only 700+ Credit Score Refinance 80% LTV Credit Score 660/Cash Out 75% LTV Credit Score 680+ No Income Verification Required 6 Months Reserves

Investor Fix and Flip Up to 95%

Up to 95% of Purchase Price 100% of Rehab Budget Max 80% of ARV Credit Scores 700+ 12,18 & 24 Terms No Appraisal / No Income Verification

Investor - Fix and Flip- No Payments

Fix and Flip your next investment Property LTV Up to 90% LTC Credit Score 640+ No Payments Up to 12 Months

Investor Bridge Loans- 12 Month Term

Up to 95% of purchase price Up to 80% of after-repair value 100% of rehab cost 12, 18 + 24 month terms w/ interest-only options Credit Scores 680+

Investor 80% No Credit Check- No Appraisal

Max 80% LTV Purchase or Refinance Investment Property No Credit Check No Appraisal AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, NE, ND, NH, NJ, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, VA, WA, WI, WV, and WY as well as Washington D.C.

Bank Statements 30 Year Fixed-90%

Bank Statements: Minimum 12 months' consecutive bank statements required Purchase, rate & term refinance, and cash-out refinance (1-4 units) Maximum Cash-Out Proceeds: $1,000,000 Max Loan Amount: $3,000,000 Max LTV: 90%/Min FICO: 660/Max DTI: 50%

Bank Statement 30 Fixed -85%

Bank Statements: Minimum 12 months' consecutive bank statements required Purchase, rate & term refinance, and cash-out refinance (1-4 units) Max Loan Amount: $3,500,000/Min $150,000 Max LTV: 90% (85% for 2-4 units)/Min FICO: 660 Max DTI: 55% (residual income requirements for DTI > 43%)

ITIN or 1099 Loans

Self Employed with Loan Amounts up to $100,000,000 Primary Residence, Second Homes or Investment Properties Minimum Credit Score 640+ 12 Month P&L OK

Land Loans Up to 65% LTV

Purchase or Refinance Land Up to 65% LTV Credit score 660+ No prepayment penalty No acreage limitations Repayment terms of up to 20 years Minimum loan amount of $100,000 Maximum loan amount of $825,000

Business and Personal Capital Stacks

Capital Stack Personal Loan – Fast Funds. Smart Credit. Capital Stack is our exclusive personal loan designed for individuals with credit scores of 680+ who need quick, flexible funding for business, personal growth, or debt consolidation—with no collateral required Credit Score: 680+

Finance the Vision. Live the Upgrade.
Dream. Design. Renovate. Repeat.

RENOVATION LOANS

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Transform Your Home

100% HOME IMPROVEMENT LOANS RENO 55

Loan amounts up to $55,000* Primary, Second Homes and Investment Properties eligible. Minimum Credit Score 640+ Limited Income Verifications/No Appraisals Required Closed and Funded in 7-10 days Approved States: TX, ID, IL,MO

100% HOME IMPROVEMENT RENO 100

Loan Amounts up to $100,000 Major Renovations Exterior/Interior Primary Residence, Second Homes or Investment Properties Minimum Credit Score 640+ No Income Verifications/No Appraisals Required Closed and Funded in 7-10 days Approved States: TX, ID, IL,MO

HELOCS/HELOANS-Access Your Equity

Up to 80% CLTV Credit Scores 660+ 1-4 unit Primary Residences, Second Homes Credit Score 680+ for Investment Properties Full Doc Only Close in 10 Days or Less

Build Smart! One Stop Construction Management Services

We offer Construction Management Services for New Construction Residential or Commercial Property. Designed for First time builders or investors Best in Class Building Materials Dedicated Team of construction professionals.

Commercial Tenant Improvement Loans

Office Space Improvements Funding Amounts: Minimum: $10,000/ Maximum: $500,000 Eligible Improvements: Office buildouts Retail storefront upgrades Restaurant kitchen installations Flooring, HVAC, lighting, and electrical systems Accessibility upgrades (ADA compliance)

Work/Live Residential Tenant Improvement

Moving Into a New Space Loan Amounts: Up to 100K Credit Scores 660+

From Blueprint to Breakthrough
Your Vision. Our Funding. Built to Last.

Construction Loans

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Build Smart

ONE TIME CLOSE CONSTRUCTION-Primary Only

Purchase & Cash-Out Refinance: o Property Type: 1-4 Units o Purpose Type: Refinance o Max LTV/CLTV/HCLTV: 100% o Min FICO: 580-FHA/VA o Base Loan Amount: Maximum is conforming loan limit; Jumbo minimum is $1 over conforming loan limit

INVESTOR NEW CONSTRUCTION

EXPERIENCED INVESTORS 3+ Projects Major Renovations Exterior/Interior-Fix and Flip Ok Investment Properties Only Minimum Credit Score 640+ No Income Verifications Closed and Funded in 10-14 days

Build Smart! One Stop Construction Management Services

We offer Construction Management Services for New Construction Residential or Commercial Property. Designed for First time builders or investors Best in Class Building Materials Dedicated Team of construction professionals.

New Construction for Commercial Properties 1-10 Units

Loan Amounts 300K-500K Multi Family Properties up to 10 Units No Experience Required!! First Time Investors Welcome Minimum Fico 660 50% AIV/65% ARV/85% LTC

Your Vision. Our Capital. Limitless Potential
Capital That Builds More Than Buildings

Commercial Loans

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 Unlock Business Growth

FastCash50 Commercial Loan

Designed for investors with derogatory credit issues and high equity seeking quick and easy credit qualification.

ARV Pro Short Term Commercial

Key Features LTC up to 80% Credit Scores 650+ Loan Amounts $75K - $2MM up to 75% of the ARV and 80% of ”as-is” value Allows borrowers to finance improvements. Great for borrowers who need a quick close. An interest-only 1-year term provides lower monthly payments. A higher LTV than hard money lenders.

Multi Family Commercial Loans

Key Features Max LTV 75% Loan Amount 75K-$2MM max. Credit Score 650+ 30-year fixed rate. Interest-only payments up to 10 years. Great for qualifying self-employed investors and small business owners. Based on property value, not personal income. Best alternative to hard money loans.

Approved Today. Closed Tomorrow.
Fast Tracks to Funded DreamsR
Start Your
Loan Application
With Apply Now- Start Your Loan Application, you can easily initiate your loan application from the comfort of your own home.
Fast Close Consulting Meeting
Schedule Your Fast Close Appointment with our Loan Consultants to discuss our products and services.
​Submit Your ​Documents Here ​!
Send your documents at submit@capitalcitymtg.com

OUR TEAM IS HERE TO ANSWER YOUR QUESTIONS

CONTACT US TODAY 1-877-708-2018 AND WE WILL REPLY WITHIN 24 HOURS

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Our Team

Tunita Bailey #639787

CEO

Lorna Williams #2095869

Operations Manager

Christina Anderson

Business Developer/Marketing Manager

Jackie Alexander

Pipeline Manager

Lavonne Clark

Commercial Loan Officer

Patricia Collins

Commercial Loan Officer

Tomeika Walker

Loan Processing Manager

Events

27Aug

3 Day Fast Funded Pre Approval Challenge

$75
09Sep

Loan Processor Bootcamp

11Sep

First Step Builders Alliance

01Nov

Boots on the Ground Gala

$65