REAL ESTATE

FUNDING YOUR DREAMS

1-877-708-2018
NMLS ID# 1653607

TRADITIONAL LOANS

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

  • FHA Elite Fixed 640

    Primary Residence Only: o 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

    Get Approved Today

  • 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

    https://calendly.com/capitalcitymortg/30min

  • 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

    Get Approved Today

  • 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

    Get Approved Today

  • 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)

    Get Approved in 5 Minutes or Less

  • 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

    Let's Chat!

Non Traditional LOANS

Get APPROVED to Purchase or Refinance Residential with Non Traditional Loans at Capital City Mortgage in 5 Minutes or Less!

  • 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

    Let's chat!

  • 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

    Let's Chat

  • 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

    Let's Chat

  • 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+

    Let's Chat

  • 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.

    Get Approved Today

  • 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%

    Get Approved in 5 Minutes or Less

  • 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%)

    Get Approved in 5 Minutes or Less

  • 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

    Get Approved in 5 Minutes or Less

  • 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

    Get Approved in 5 Minutes or Less

RENOVATION LOANS

Get APPROVED to Renovate Your New or Existing Home with our Renovation Loans Capital City Mortgage 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+ Limited 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/HELOANS-Access Your Equity

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

    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

  • 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)

    Let's Chat!

  • Work/Live Residential Tenant Improvement

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

    Let's Chat

CONSTRUCTION LOANS

Get APPROVED to Renovate Your New or Existing Home with our Renovation Loans Capital City Mortgage in 5 Minutes or Less!

  • 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

    Get Approved in 5 Minutes or Less

  • 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

    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

  • 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

    Let's Chat

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).

Multi Family Commercial Loans

Purchase or Refinance Up to 75% LTV Designed for real estate investors seeking lower payments on a long-term, fixed-rate loan with no balloon payment.

Our Process

LOAN OFFICER CONSULTING-Initiates Application

Step 1: The LO will discuss your objectives. Review Your Loan Program Options Initiate the Loan Application Process and Disclose Loan Fees/Estimates.

KICK OFF TEAM-Confirm Completion

Step 2: After the Loan Application is completed and confirmation of your Supporting Documents are confirmed, the Kick Off Team will submit your file to processing.

LOAN PROCESSING TEAM-Loan Approval

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.

Schedule Your Appointment

Ready to Get Started? Apply Now

Why You Need Professional Consulting?

Why You Need Professional Consulting? thumbnail
 

Professional Real Estate Consulting

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Homeownership Express Consulting

  • Homeownership Express Membership
  • *Mortgage Application/Pre Approval
  • *Personal Consulting (2 Sessions)
  • *Personal Financial Analysis
  • *Personal Credit Report
  • *Credit Analysis/Rapid Rescore Report
  • *Loan Product Recommendations
  • Elevate Strategy:
  • *New Homeownership Strategy
  • *HELOC Strategy
  • *HELOAN Strategy
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Business Owner Express Consulting

  • Business Owner Express Membership
  • *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
  • Elevate Strategy:
  • *Self Employed/Bank Statement Loans for New Home/Refinance Cash Out Strategy
  • *Securing Business Capital or Personal Capital
  • * Real Estate Investment/Financing Strategy
  • * Debt Consolidation Strategy
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Real Estate Investors Express Consulting

MOST POPULAR

  • Real Estate Investor Express Membership
  • *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
  • * Homeowner/Business Owner Investment Strategy
  • * New Construction Financing Strategy or
  • * Fix and Flip Financing Strategy or
  • * Buy Rehab and Refinancing Strategy
  • * Buy and Hold Strategy
  • * HELOC/HELOAN Strategy
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$0

Commercial Real Estate Consulting

  • Commercial Real Estate Investor Express Membership
  • *Mortgage Application/Pre Approval/Proof of Funds
  • *Personal Consulting/Personal Credit Report
  • *Professional Consulting + (6 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
  • * Commercial Building/Multifamily Strategy or
  • * New Construction Financing Strategy or
  • * Fix and Flip Financing Strategy or
  • * Buy Rehab and Refinancing Strategy
  • * Buy and Hold Strategy
  • * HELOC/HELOAN Strategy
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Our Services

Click on the photo blocks below to learn more.

Tenant Improvement Finish Out Financing

Moving to a new office and need a loan to finish out the space? We got you covered with our new TI Finish out Financing

Rapid Business Funding Up to 150K No Income Verified

Get Rapid Business Funding Up to $600,000. 18 Month Term Loans Minimum 150K with No Tax Returns

Join I-Renovate Referral Network- Up to 1% Referral Fees

Get Up to 1% Referral Fees on Commercial Loans when you join the I Renovate Referral Network

Zero to 5 Million Mentorship Program

Join Capital City Construction’s elite 8-week mentorship program and gain real-world experience in driving revenue with commercial concrete sales, residential home improvement services, renovation loans and new construction.

Zero to 5Million Specialty Courses & Playbooks

Our Zero to 5 Million Specialty Courses Includes the Game Plan and Playbooks for each Business Development Rep to generate 5 Million in Revenue.

No Hassle HELOCs- Fast and Easy Close in 10 Days or Less

Our No Hassle HELOCs service offers a fast and easy close in 10 days or less, providing you with quick access to the funds you need.

Unlock Your Homes Potential with a No Hassle Renovation Loan

Unlock the potential of your home with our hassle-free renovation loan. Say goodbye to the stress and inconvenience of home renovations and hello to a simple, easy, and quick process.

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.

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.

No Banks Required! Seller Financing

Get the home you want without dealing with traditional banks through our seller financing option.

Real Estate Consulting/Coaching Mentoring

Real estate advice and solutions tailored to fit your needs.

Careers/Now Hiring

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

Vendor- Become a Vendor Partner

Partner with our leading construction company and bring your skills to the forefront. We are seeking dedicated vendors to collaborate on innovative and high-profile projects. Join us and benefit from consistent work, competitive pay, and being part of a network that values quality and reliability. Together, we build excellence.

Sponsorship for Zero to 5 Million Mentorship Program

Mentorship Program for Sponsors

Our Team

Tunita Bailey #639787

CEO

Lorna Williams #2095869

Operations Manager

Patricia Riddley #267138

Mortgage Consultant

Tomeika Walker

Loan Processing Manager

Patricia Collins

Commercial Loan Officer

Christina Anderson

Commercial Loan Officer

Lavonne Clark

Commercial Loan Officer

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.

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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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

ZERO TO 5M Discount Coupons

Code : Zeroto5Million