Business Details
Trusted Mortgage Brokers in Oxford, CT
First Capital Lending has been dedicated to helping customers achieve homeownership dreams for over 25 years. As a full-service mortgage company based in Oxford, Connecticut, we specialize in offering competitive mortgage rates and tailored loan solutions across purchase and refinance programs. Our team prioritizes personalized service, guiding clients through conventional, FHA, VA, USDA, jumbo, and specialized loan options while maintaining a strong commitment to accessibility and customer support. We leverage advanced technology to streamline the application process and ensure transparent communication throughout every stage of the lending journey. 
Services
Home Purchase Loans
Refinancing Programs
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
HELOC
Cash-Out Refinancing
Asset-Based Loans
Highlights and features
- We offer 25+ years of mortgage industry expertise in Connecticut
- Our loan programs include specialized options for unique financial situations
- We provide 100% secure online mortgage applications with 256-bit encryption
- Our team maintains NMLS certification (#110152) for professional lending standards
- We guarantee transparent pricing with no hidden fees
Services
Home Purchase Loans
We provide comprehensive home purchase loan solutions tailored to first-time buyers and experienced homeowners. Our offerings include conventional, FHA, VA, and USDA programs with down payment options ranging from 0% to 20%. Our team guides clients through property type selection, credit assessment, and rate locking processes.
Refinancing Programs
Our refinancing options help homeowners reduce monthly payments or access equity through rate-and-term, cash-out, and streamline refinances. We offer conventional, FHA, VA, and HELOC products with flexible qualification criteria for primary residences and investment properties.
Jumbo Loans
We specialize in jumbo loan programs for high-value properties exceeding standard conforming loan limits. These customized solutions cater to borrowers with strong credit profiles seeking financing for luxury homes or unique real estate investments in Connecticut's premium markets.
Asset-Based Loans
Our asset-based mortgage programs evaluate applicants' liquid assets and investment portfolios instead of traditional income verification. This solution benefits self-employed individuals and entrepreneurs with complex financial situations seeking competitive rate mortgages.
FHA Loans
We offer FHA-insured loans with low down payment requirements (3.5%) and flexible credit standards. These programs suit first-time buyers or those with moderate credit histories seeking primary residence financing through government-supported mortgage options.
Questions
What mortgage loan types do you offer?
We provide conventional, FHA, VA, USDA, jumbo, HELOC, and asset-based loans for purchase or refinance needs.
How do I start the mortgage application process?
Begin online by selecting your loan type and property details, or contact us directly at (203) 876-4950 for personalized guidance.
Do you offer mortgage refinancing options?
Yes, we offer rate-and-term refinancing, cash-out refinancing, and streamline options for conventional, FHA, and VA loans.
Are there special programs for first-time homebuyers?
We recommend FHA loans with low down payments and our team provides specialized guidance for first-time homebuyer programs.
How do you ensure application security?
Our platform uses 256-bit encryption and secure servers to protect all personal and financial information during the mortgage process.
What areas do you serve?
We primarily serve Connecticut residents with mortgage solutions tailored to local real estate markets and property types.
