REAL ESTATE

FUNDING YOUR DREAMS

1-877-708-2018
NMLS ID# 1653607

LOAN OPTIONS

Get APPROVED to Purchase or Refinance Residential or Commercial Property with Capital City Mortgage in 5 Minutes or Less!

  • 100% Conventional Loans

    Purchase Only LTV Up to 100% Min. FICO 620 SFR, 2-4 Unit, Condo/PUD 3% down payment assistance up to $15,000 Repayable second lien Eligible on primary purchases only Qualifying income limited to 80% or less of Area Median Income (AMI)

    Get Approved in 5 Minutes or Less

  • 100% FHA Financing

    600 minimum FICO No Down payment 96.5% LTV FHA 30yr Fixed 1st combined with a 3.5% LTV 10yr Fixed 2nd Non-occupant co-borrowers allowed

    Get Approved in 5 Minutes or Less

  • 100% VA Financing

    Loans Up to $4M 600+ FICO score OK Up to 100% LTV - Purchase, Rate and Term, and Cash-out Single family primary residence One Time Close New Construction Loans

    Get Approved in 5 Minutes or Less

  • Conventional- Jumbo Loans

    Jumbo Loan Amounts Up to $766,550 to $1,149,825.00 Purchase, Rate & Term Refinance LTV Up to 90%

    Get Approved in 5 Minutes or Less

  • 5% Down Multifamily

    Purchase or Refinance 2-4 Units LTV 95% Loan Limits Up to 766,660 to 1,149,825 Renovations Loans Eligible

    Get Approved in 5 Minutes or Less

  • One Time Close New Construction

    Finance the home, lot, and permanent mortgage in one loan closing FHA: 96.5% -3.5% Down Payment VA and USDA: 100% - 0- Down Payment Conventional: 95% - 5% Down Payment FHA/VA/USDA: Score 640 Conventional: Score 680

    Get Approved in 5 Minutes or Less

  • 100% HOME IMPROVEMENT LOANS RENO 55

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

    Get Approved in 5 Minutes or Less

  • 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

    Get Approved in 5 Minutes or Less

  • HELOCS- Home Equity Lines of Credit

    Available on Primary Residences & Second Homes Line Amounts from $100k-$400k 30-Year Term with 10-Year Interest-Only Draw Period 95% Max CLTV 660 Min Credit Score 45% Max DTI

    Get Approved in 5 Minutes or Less

  • Conventional Homestyle Renovation 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)

    Get Approved in 5 Minutes or Less

  • FHA 203k Renovation Loan

    203(k) Limited • Cosmetic repairs only • Total Rehabilitation cost must be under $35k • Typical maximum bid $30k + Allowable fees 203(k) Standard • Structural repairs and/or over $35k renovation cost • Requires a HUD Consultant • Primary Homes only • No new or unfinished new construction • Existing home only with Certificate of Occupancy in place for at least 12 months

    Get Approved in 5 Minutes or Less

  • VA 100% Renovation Loan

    • 100% Financing • 1-4 Unit Properties • Singlewide & Multi-wide Manufactured Homes • Non-Structural Renovation only • HUD Consultant required for renovation costs over $50k • Contractor must have been issued a VA Builder ID number

    Get Approved in 5 Minutes or Less

  • New Construction for Investors

    Experienced Investor Financing 3+ Projects Up to 85% LTC Min Loan $300,000 to $5,000,000 Credit Score 650+ Single Family, 2-20 Units+

    Let's chat!

  • 90% Investor Loan 100% Rehab

    LTV Up to 90% 100% Rehab 700 Credit Scores No Experience Required

    Get Approved in 5 Minutes or Less

  • 100% Fix and Flip Investor Loans

    LTV Up to 100% of Sales Price 100% Renovation Cost Credit Score 700+ Experience Required: 5 Projects or More No Hassle Loan Close in 7 to 10 Days (New Purchase Transactions Only)

    Get Approved in 5 Minutes or Less

  • 80% No Experience Ugly Fix and Flip

    Purchase or Refinance Ugly Fix and Flip No Income- LLC Ok No Appraisal No Experience Required No Credit Score Required

    Let's Chat!

  • DSCR Buy and Hold Investor Loans/Air BNB up to 10 Units

    DSCR 30-year fixed rate. Up to 80% LTV 660 Credit Score/85% LTV 720 Credit Score No Income Verified- Purchase or refinance using your LLC. Self-employed investors and small business owners Based on property value, No Personal Income

    Get Approved in 5 Minutes 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.

    Get Approved in 5 Minutes or Less

  • Reverse Mortgages (HECM) Purchase

    Loan for Seniors 62 or older Purchase or Refinance Principal Residence Flexible repayment: Repay or No Payment Options Eligible Properties: Single-family homes; FHA-approved Condo; Townhouses or (PUDs); 2-4 Family-Owner-occupied

    Let's Chat!

  • No Tax Returns- Bank Statement Loans

    12 or 24 Months Bank Statements Purchase or Refinance Borrower Prepared 12 Months Profit and Loss Statement 80% LTV Credit Score 660+

    Let's Chat

  • Vacant Land Loans

    Loan amounts from $100,000 to $865,000 No acreage limitations No prepayment penalties Loan terms up to 20 years Loans up to 65% of appraised value 660 Credit Scores

  • ITIN HOMEBUYERS

    Bank Statements Loan P&L or 12 months Bank Statements DTI up to 55%/LTV up to 85% 600 min. credit or No score Loan amounts from $50K to $1.25M Only 12 months of self-employed/income needed Gift Funds Allowed No reserves required NO WORK VISA NEEDED NO GREEN CARD NEEDED

    Let's Chat!

  • 100% Down Payment Assistance

    DPA-No Payment on the 2nd Loan – 0% Rate DPA- Plus 100% CLTV FHA Loan (Combines 1st and Subordinate Lien) DPA-Deluxe with Closing Cost 101.5% CLTV, (96.5% First + 5% DPA)

    Get Approved in 5 Minutes or Less

  • No Credit Check No Banks-Owner Finance

    Tired of banks holding you back? If you've got the cash, we've got the keys! Our owner-financed homes come with NO credit checks and NO income documentation required. Whether you’re self-employed or have non-traditional income, we believe you deserve a place to call your own. Start living in your dream home today – skip the hassle and say hello to homeownership!

    Get Approved in 5 Minutes or Less

Commercial No Doc 30 Year Fixed

NO DOC STATED INCOME COMMERCIAL REAL ESTATE LOANS!

Small Balance Commercial

Get approved with 12 Months Business Bank Statements.

DSCR Commercial Portfolio Loans

Portfolio loans for all commercial real estate needs.

Commercial Loans

FastCash50 Commercial Loan

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

ARV Pro Short Term Commercial

Designed for “fix-and-flip” investors who are seeking a short-term, interest-only loan to acquire and improve a property based on its “as repaired value” (ARV).

Flex Term Loan Commercial Loans

Designed for real estate investors seeking lower payments on a long-term, fixed-rate loan with no balloon payment.

Our Process

LOAN OFFICER CONSULTING

Step 1: Discuss your loan options with the Loan Consultant. They will be your primary guide throughout the mortgage process, offering personalized assistance and expert advice.

KICK OFF TEAM

Step 2: Complete the Loan Application and Upload Your Supporting Documents. The Kick Off Team will confirms your application details, ensuring all documentation is complete and accurate.

LOAN PROCESSING TEAM

Step 3: The loan processing team provides personalized assistance and guidance to clients at every step of the lending process, ensuring that all necessary documents are accurately completed and submitted in a timely manner.

CLOSING SUCCESS TEAM

Step 4: Once your loan is approved and ready to close our dedicated closing success team will confirm your closing details and is always ready to answer your questions and provide support whenever you need it.

Services

Click on the photo blocks below to learn more.

Get Your Credit Score

Need a Pre Approval for a Mortgage Loan? Start by obtaining a copy of your tri-merge credit report.

Good Credit Fast! Improve Your Credit 7-10 days Rapid Rescore

Our (C-RAP) Credit Rapid Rescore program offers our mortgage clients seeking to rapidly update a current version of their tri merge credit report in a matter of 7-10 days.

New Business Setup for Corporations/Access Capital for Existing Business

We help entrepreneurs launch, manage and grow their corporations by assisting with obtaining access to capital.

Real Estate Consulting/Coaching Mentoring

Real estate advice and solutions tailored to fit your needs.

Transactional Funding

Secure, fast funding to close your deals quickly.

Careers/Now Hiring

Are you looking for a career with more opportunity and flexibility? Contact us at careers@capitalcitymtg.com

Why You Need Professional Consulting?

Why You Need Professional Consulting? thumbnail
 

Professional Real Estate Consulting

Homeownership Express Consulting

$495.00
  • Homeownership Express Membership
  • * The Elevate Journal: Personal Professional & Financial -or-
  • Investors Capital: How to Unlock Capital For Real Estate Investing (Ebook)
  • *Mortgage Application/Pre Approval
  • *Personal Consulting (2 Sessions)
  • *Personal Financial Analysis
  • *Personal Credit Report
  • *Credit Analysis/Rapid Rescore Report
  • *Loan Product Recommendations
Order Now

Business Owner Express Consulting

MOST POPULAR
$795.00
  • Business Owner Express Membership
  • *Cash Flow for Business Owners or
  • *Investors Capital: How to Unlock Capital for Real Estate Investing (Ebook)
  • *Mortgage Application/Pre Approval Letter
  • *Bankify Your Loan (12/24 Months Bank Statement Deposit Review for Loan Qualification)
  • *Personal Consulting/Personal Credit Report
  • *Professional Consulting (Business Owners) (3 Sessions)
  • *Setup or Review of Corporate Entity Documents
  • *Determine Mortgage Loanability Factor/Review Profit & Loss
  • *Credit Analysis to determine eligibility for Business or Personal Lines of Credit (680+ min)
  • *Securing Business Capital or Personal Capital up to 50K
Order Now

Real Estate Investors Express Consulting

$995.00
  • Real Estate Investor Express Membership
  • *The Elevate Journal: Personal Professional & Financial -or-
  • *Cash Flow for Business Owners
  • or-
  • *Investors Capital: How to Unlock Capital for Real Estate Investing (Ebook)
  • *Mortgage Application/Pre Approval/Proof of Funds
  • *Personal Consulting/Personal Credit Report
  • *Professional Consulting + (4 Sessions)
  • *Real Estate Consulting +
  • *Investor Loan Product Recommendations
  • *Strategies for Acquiring Capital for Investments
  • *Securing Business Capital or Personal Capital up to 100K
  • * Real Estate Line of Credit Up to 1M
  • * New Construction Financing Strategy or
  • * Fix and Flip Financing Strategy or
  • * Buy Rehab and Refinancing Strategy
Order Now

OUR TEAM IS HERE TO ANSWER YOUR QUESTIONS

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

*
*
*

Team

Tunita BAILEY #639787

CEO

Schedule Your Appointment Today https://calendly.com/capitalcitymortg/15min

Lorna Williams

Operations Manager

Tomeika Walker

Loan Processing Manager

Angela Bell

Commercial Loan Officer

Patricia Collins

Commercial Loan Officer

Christina Anderson

Commercial Loan Officer

Lavonne Clark

Commercial Loan Officer

Justine Ong

Commercial Loan Officer

Maria Lesperance

Commercial Loan Officer

IRenovate Referral Network

Educational Products

  • Investor Capital Unlocking Capital for Real Estate Investing (Click Here)

  • Your Journey to Personal Professional and Financial Freedom (Click Here)

  • 10K in 10 Days FAST Cash for Commercial Loan Officers (Click Here)

  • I-Renovate Masterclass for Aspiring Renovation Specialist (Click Here)

  • Cash Flow for Business Owners (Click Here)

  • Funding Your Dreams Creative Ways to Finance Real Estate (Click Here)

  • Zero to 5 Million Residential Business Development

  • Zero to 5 Million Commercial Business Development

Our Mission

Mission
Our mission is to Fund the Dreams of Homeownership for individuals business owners and investors who are capable, credit wise, strong in character and understand the risk of incurring new debt on real property/collateral and exhibits a willingness to repay.

Vision
Our Vision is to serve and impact our community by offering a variety of financial solutions and products where the underserved can own real estate.
Our Mission image

Our Core Values

1

Communication

Communication throughout the entire process

2

Creating Win- Win

Creating a Win-Win transaction for all parties

3

Client Experience

Client Experience-Providing an Exceptional Service

4

Commitment

Commitment to Excellence

5

Consistency

Consistency throughout the entire mortgage process.