Business Details
18 Years
experience
Your Trusted Mortgage Partner in Florida & Georgia
Capitol Lending Group has been dedicated to serving the mortgage needs of Florida and Georgia residents since 2008. Our team of experienced professionals brings decades of combined expertise in mortgage lending, real estate, and financial services to provide personalized solutions for first-time homebuyers, veterans, and investors. We specialize in VA loans, second home financing, and investment property loans with a focus on fast closings and strategic loan product selection. Our commitment to excellence is demonstrated through our partnerships with top wholesale lenders and our community involvement, including sponsorship of Honor Flight South Florida. We prioritize client education through resources like our Home Buyer's Guide and Mortgage Calculators while maintaining a customer-centric approach that treats every client like family.Our leadership team includes industry veterans with backgrounds in mortgage origination, real estate, and military service, ensuring a deep understanding of our clients' unique needs. We operate with transparency and integrity, offering personalized support throughout the entire mortgage process. Our local market expertise in Florida and Georgia enables us to provide tailored solutions that align with regional housing market dynamics. We continuously seek to improve our processes to deliver seamless mortgage experiences for all our clients.
Services
VA Loans
Second Home Loans
Mortgage Refinancing
First-Time Homebuyer Programs
Investment Property Loans
Details
- Year established: 2008
Highlights and features
- We offer 15+ years of mortgage industry experience with specialized VA loan expertise
- Our team includes former real estate professionals and military veterans
- We implement a patented lock strategy for optimal loan product selection
- We provide 24/7 personalized mortgage consulting services
- Our fast and seamless closing process averages 30% faster than industry standards
What people say
Excellent service
Smooth process
Knowledgeable team
Personalized attention
Fast closings
Services
VA Loans
We specialize in VA loans for active-duty service members, veterans, and eligible surviving spouses. These zero-down payment mortgages with lenient credit requirements offer competitive rates and limited closing costs. Our team provides expert guidance through the VA loan process, including eligibility verification and documentation preparation.
Second Home Loans
Our second home loan program helps clients purchase recreational properties or seasonal residences. We offer specialized financing options that meet lender requirements for properties located at least 50 miles from primary residences. Our advisors help determine optimal loan structures based on intended usage and investment potential.
Mortgage Refinancing
We provide mortgage refinancing solutions to help homeowners reduce monthly payments, shorten loan terms, or access home equity. Our experts analyze market conditions and individual financial situations to determine optimal refinancing opportunities while considering tax implications and long-term benefits.
First-Time Homebuyer Programs
Our first-time homebuyer programs offer specialized loan products with low down payment requirements and flexible qualification criteria. We provide comprehensive guidance through the entire purchase process, including pre-approval, property selection, and closing preparation to ensure a smooth transition to homeownership.
Investment Property Loans
We offer investment property loan options for real estate investors seeking to build wealth through rental properties. Our program includes financing solutions for single-family homes, multi-unit properties, and commercial real estate investments with tailored terms that consider projected rental income and cash flow analysis.
People
Ryan Paton
Founder
Ryan Paton founded Capitol Lending Group in 2008 after 7 years at Mortgage Approval Group. A University of South Florida graduate, he combines mortgage expertise with community leadership as Co-Founder of Honor Flight South Florida.
Peter Scaduto
Vice President of Operations
Peter Scaduto brings 10+ years of financial services experience to Capitol Lending Group. A SUNY New Paltz graduate, he leverages his background in wealth management and mortgage lending to optimize operational efficiency and client service processes.
Justin Cecere
Loan Officer
Justin Cecere joined Capitol Lending Group in 2012 with prior real estate brokerage experience. A University of Florida alumnus and licensed real estate professional, he provides comprehensive mortgage solutions informed by his deep understanding of Florida's housing market.
Mary Sayan
Office Manager
Mary Sayan manages daily operations at Capitol Lending Group with 8 years of mortgage industry experience. A Peruvian architect turned mortgage professional, she offers bilingual Spanish-English support and treats every client with personalized attention.
Rusty Shaw
Loan Originator
Rusty Shaw specializes in veteran mortgage programs at Capitol Lending Group. A U.S. Air Force veteran and former firefighter/paramedic, he combines military service experience with mortgage expertise to serve fellow veterans through specialized VA loan programs.
Questions
What VA loan benefits do you offer for veterans?
We provide 100% financing VA loans with zero down payment, no mortgage insurance, and limited 1% closing costs for qualified veterans and active-duty personnel.
How do second home loan requirements differ from investment properties?
Second homes require minimum 50-mile distance from primary residence and 14+ days annual usage, while investment properties focus on rental income potential and depreciation benefits.
What sets your mortgage services apart from competitors?
Our combination of military experience, real estate expertise, and fast closing processes delivers personalized solutions with an average 30% faster closings than industry standards.
Do you offer mortgage refinancing options?
Yes, we offer refinancing solutions to reduce payments, shorten loan terms, or access home equity, with expert analysis of market conditions and individual financial situations.
What areas do you serve?
We primarily serve Florida and Georgia, with specialized knowledge of local housing markets and lending requirements in both states.
