Business Details
Your Trusted Mortgage Broker in Austin, TX
Capital City Mortgage is a mortgage brokerage company based in Austin, Texas, dedicated to providing tailored lending solutions for residential and commercial clients. With partnerships spanning over 50 financial institutions, we leverage our extensive network to secure competitive interest rates and customized loan programs. Our team prioritizes client education, offering timely and transparent information to empower informed borrowing decisions. We specialize in FHA, VA, USDA, jumbo, reverse, and new construction loans, alongside credit-building support for borrowers with lower credit scores. Our commitment to exceptional customer service is reflected in our personalized approach, ensuring each client receives dedicated attention throughout the mortgage process.By combining industry expertise with a focus on accessibility, we aim to make homeownership achievable for diverse financial situations. Our physical office in Austin serves as a hub for face-to-face consultations, complemented by flexible communication channels for ongoing support. With a proven track record in mortgage brokerage, we strive to simplify complex lending landscapes while maintaining compliance with regulatory standards. Our mission remains centered on closing deals that align with our clients' long-term financial goals.
Services
FHA Loans
VA Loans
USDA Loans
Jumbo Mortgages
Reverse Mortgages
Home Equity Loans
Fixed Rate Mortgages
Adjustable Rate Mortgages
New Construction Loans
Commercial Lending
Highlights and features
- We partner with 50+ financial institutions for competitive rates
- Specialize in bad credit loan programs starting at 500 credit score
- Offer personalized credit-building strategies within 72-hour timelines
- Provide face-to-face consultations at our Austin, Texas office
- Feature 24/7 client communication through multiple channels
Associations and certifications
- NMLS ID: 390864
Services
FHA Loans
FHA loans provide accessible homeownership opportunities with low down payments and flexible credit requirements. Ideal for first-time buyers, these government-backed mortgages require as little as 3.5% down payment when credit scores meet minimum thresholds. Our team specializes in guiding borrowers through FHA loan qualifications while ensuring compliance with federal regulations.
VA Loans
VA loans offer exclusive benefits for eligible military personnel, veterans, and surviving spouses. These zero-down-payment mortgages feature competitive rates and no private mortgage insurance requirements. We assist qualified applicants in maximizing their VA loan entitlements while navigating the unique documentation needs of veteran-specific financing.
USDA Loans
USDA loans enable home purchases in designated rural areas with zero down payment options. Designed for moderate-income borrowers, these mortgages combine favorable terms with location-specific eligibility criteria. Our specialists help clients determine property eligibility and income limits while streamlining the USDA loan approval process.
Reverse Mortgages
Reverse mortgages provide financial flexibility for homeowners aged 62+. These specialized loans convert home equity into tax-free funds while allowing borrowers to remain in their residences. We offer comprehensive counseling on HECM program requirements, payment options, and long-term implications of equity conversion strategies.
Jumbo Mortgages
Jumbo mortgages cater to high-value property purchases exceeding conventional loan limits. These non-conforming loans require strong credit profiles and larger down payments. Our experts connect clients with specialized lenders offering competitive jumbo loan products while providing detailed analysis of interest rate scenarios and repayment structures.
Questions
What loan programs do you specialize in?
We offer FHA, VA, USDA, jumbo, reverse, and new construction loans, along with fixed and adjustable-rate mortgages for residential and commercial properties.
Can I qualify with bad credit?
Yes, we offer special programs for borrowers with 500+ credit scores and provide credit-building strategies to help improve scores within 72 hours.
How does your mortgage calculator work?
Our online calculator helps estimate monthly payments by inputting loan amount, interest rate, property taxes, insurance, and other relevant factors.
What areas do you serve?
We serve Austin, Irving, McKinney, Plano, Frisco, and Garland, Texas, with both in-person consultations and remote mortgage processing capabilities.
How do I start the application process?
Begin by submitting an online application or contacting us directly to discuss your financial goals and receive personalized mortgage recommendations.
