Business Details
16 Years
experience
Your Southeast Mortgage Lending Experts
Capital City Home Loans has built a reputation as a trusted full-service lender dedicated to empowering homeownership across the Southeast. With a commitment to independence and innovation, we combine traditional community values with modern lending solutions to serve diverse financial needs. Our mortgage financing options range from FHA and VA loans to jumbo and construction loans, tailored to meet specific buyer requirements. Through strong partnerships with local realtors and builders, we foster relationships that strengthen communities while maintaining a client-focused approach. Our team of experienced mortgage professionals operates from 10 states, ensuring personalized service rooted in local market expertise. As a company with over two decades of operational history, we have developed specialized loan programs to address unique financing challenges.Our leadership actively promotes community reinvestment initiatives, demonstrated through corporate philanthropy and employee engagement in local organizations. With a service footprint extending through Florida, Georgia, North Carolina, South Carolina, and Tennessee, we maintain physical presence in key neighborhoods to better understand client needs. Our mortgage servicing team ensures ongoing support for existing homeowners, managing over $2 billion in loan portfolios annually. This combination of regional expertise, comprehensive product offerings, and community commitment solidifies our position as a leading mortgage provider in the Southeast.
Services
FHA Loans
VA Loans
Jumbo Loans
Mortgage Servicing
Down Payment Assistance
Government Loans
Construction Loans
Portfolio Products
Specialty Loans
Homeowner Assistance
Details
- Year established: 2010
Highlights and features
- We have over 200 local mortgage professionals across ten Southeast states
- We offer specialized loan programs for unique financing situations
- Our community reinvestment initiatives benefit local neighborhoods
- We maintain physical offices in key markets for personalized service
- We provide transparent mortgage servicing with no hidden fees
Services
FHA Loans
FHA loans provide accessible homeownership opportunities through low down payment requirements and flexible credit standards. These government-backed mortgages cater specifically to first-time buyers and those with limited financial resources. Our experienced loan officers help clients navigate FHA's unique requirements while maintaining competitive interest rates.
Jumbo Loans
Jumbo loans serve clients seeking financing above conventional loan limits in high-value markets. Our program accommodates luxury properties and unique real estate investments with personalized underwriting approaches. We offer competitive terms for borrowers needing specialized financing exceeding standard conforming limits.
Construction Loans
Our one-time-close construction loans simplify the home-building process with combined financing for land acquisition and construction. The program eliminates multiple closings, reducing costs while providing structured disbursements during construction phases. Clients benefit from dedicated project monitoring and flexible repayment options.
Mortgage Servicing
Our mortgage servicing division manages ongoing account needs including payment processing, escrow administration, and loan modifications. We maintain transparent communication for payment assistance requests and provide dedicated support for financial hardships. Digital tools enable clients to manage accounts through secure online portals with 24/7 access.
Down Payment Assistance
Our down payment assistance programs help qualified buyers overcome initial cost barriers through grants and low-interest secondary financing. The service coordinates with primary mortgage products to create complete financing solutions for eligible applicants. We provide guidance through application processes and partner with local housing agencies to expand accessibility.
Questions
What mortgage programs do you offer?
We provide FHA, VA, conventional, jumbo, and specialty loans including construction and down payment assistance programs.
In which states do you operate?
We offer mortgage services across Florida, Georgia, North Carolina, South Carolina, and Tennessee.
Can I apply online for a mortgage?
Yes, through our website you can start the application process for new loans or refinancing options.
How do I access my mortgage account?
Current borrowers can log into our secure portal to make payments, view statements, and manage account features.
Do you offer community assistance programs?
We provide down payment help and special financing options through local partnerships and reinvestment initiatives.
Do you service existing mortgages?
Yes, our servicing department manages ongoing accounts including payment processing, escrow administration, and modification requests.
