Business Details
Trusted Mortgage Brokers in Reston, VA
Colonial Mortgage Capital has been guiding clients through the home buying process for over 25 years. Our team of Certified Liability Advisors and Certified Veteran Loan Specialists specializes in personalized mortgage solutions tailored to individual financial goals. We offer a Buy & Borrow Smart Plan that considers credit scores, income, and long-term objectives to maximize home buying power. With expertise in conventional, government-backed, and specialized loan programs, we help clients secure optimal financing terms.Our commitment to ongoing financial guidance extends beyond closing, supporting clients in managing debt and building financial independence. Having assisted over 1,500 families, we combine industry experience with a client-first approach to simplify complex mortgage decisions. Our streamlined process enables qualified buyers to move into new homes in as little as two weeks while maintaining strict budgetary parameters.
Services
Mortgage Brokering
VA Loans
FHA Loans
Conventional Loans
USDA Loans
Jumbo Loans
Refinancing Services
Asset Depletion Loans
Interest-Only Mortgages
First-Time Buyer Programs
Highlights and features
- 25+ years guiding 1,500+ families through mortgage processes
- Certified specialists in veteran and conventional loan programs
- Custom Buy & Borrow Smart Plan for personalized financial strategies
- Proven two-week closing process for urgent home purchases
- Ongoing post-closing financial guidance for debt management
What people say
Real professional
Always puts customer first
Amazing client service
Quick responses
Excellent loan terms
Services
Mortgage Brokering
Colonial Mortgage Capital provides comprehensive mortgage brokering services, connecting clients with optimal loan programs. Our certified advisors analyze financial situations to recommend conventional, government-backed, or specialized loans. We negotiate terms with lenders while guiding clients through documentation requirements and credit optimization strategies.
VA Loans
We specialize in VA loan programs for active-duty military and veterans. Our certified specialists help clients maximize eligibility benefits, secure zero-down payment options, and navigate the unique requirements of VA-guaranteed mortgages while ensuring competitive interest rates.
FHA Loans
Our FHA loan program assists low-to-moderate income borrowers with reduced down payment requirements. We guide clients through the 3.5% down payment process, credit score requirements, and post-bankruptcy eligibility timelines while ensuring compliance with federal housing administration standards.
Refinancing Services
We offer mortgage refinancing solutions to lower monthly payments or access home equity. Our analysis compares current market rates against existing terms, considering cash-out options and debt consolidation strategies to improve clients' overall financial positions.
First-Time Buyer Programs
Our first-time homebuyer services include down payment guidance, credit improvement planning, and education about low-down payment options. We explain loan program nuances while coordinating with realtors to ensure clients understand neighborhood requirements and long-term financial commitments.
People
Andy Sikora
Branch Manager and Certified Mortgage Advisor
With over 25 years of mortgage industry experience, Andy Sikora has helped more than 1,500 clients achieve homeownership. As a certified liability advisor, he specializes in creating personalized financing strategies that consider both immediate needs and long-term financial goals.
Questions
What mortgage loan types do you offer?
We provide conventional, FHA, VA, USDA, jumbo, interest-only, and asset depletion loans. Our advisors help clients choose between fixed and adjustable rate options based on their financial situations.
How does the mortgage pre-approval process work?
The process starts with a consultation to discuss financial goals. We then analyze income, assets, and credit history to determine loan eligibility. Clients receive multiple financing options with clear down payment and documentation requirements.
Can first-time homebuyers qualify with low credit scores?
Yes, we offer FHA loans for clients with credit scores as low as 580. Our credit improvement guidance helps first-time buyers enhance their eligibility while explaining down payment assistance programs available through state and federal initiatives.
How quickly can I close on a home purchase?
Our streamlined process allows qualified buyers to close in as little as two weeks. We expedite document verification and underwriting while maintaining compliance with all lending regulations to ensure timely closings.
Do you offer refinancing options for existing homeowners?
Yes, we provide rate-and-term refinancing, cash-out refinancing, and streamline refinance programs. Our analysis compares current market rates against existing loans to determine if refinancing would provide financial benefits.
