Capital City Financial Corporation proudly serves the Rhode Island, Massachusetts, and Connecticut communities. A strong and genuine belief in the "customer for life" principal of doing business is what fuels this company. Referrals from previous customers, real estate professionals, accountants, financial planners and attorneys have always delivered the majority of the Company's customers.
We broker Conventional, Jumbo, FHA, VA, USDA Rural Housing as well as First Time Home Buyer Loan Programs. Please feel free to call and schedule a complimentary consultation to determine which loan program is right for you. We can assist you with determining what type of refinance works for you.
The refinancing possibilities may include: lowering your mortgage interest rate, lowering your mortgage payment, shortening your mortgage term, cashing out the equity in your home for home improvements or providing funds for educational needs or consolidating other debt.Indian conglomerate Reliance says the move stems from its greater push into new-energy and materials business.
We broker Conventional, Jumbo, FHA, VA, USDA Rural Housing as well as First Time Home Buyer Loan Programs. Please feel free to call and schedule a complimentary consultation to determine which loan program is right for you. We can assist you with determining what type of refinance works for you.
The refinancing possibilities may include: lowering your mortgage interest rate, lowering your mortgage payment, shortening your mortgage term, cashing out the equity in your home for home improvements or providing funds for educational needs or consolidating other debt.Indian conglomerate Reliance says the move stems from its greater push into new-energy and materials business.
Services
A strong and genuine belief in the "customer for life" principal of doing business is what fules this company.
Referrals from previous customers, real estate professionals, accountants, financial planners and attorneys have delivered the majority of the Company's customers.
In order to acomplish our mission, our Lenders are committed to providing our customers with the most competitive mortgage rates and closing costs, a vast portfolio of innovative mortgage products and programs, an effective and efficient distribution network, ease of accessibility to our experienced staff and most importantly; prompt, professional and courteous service.
Referrals from previous customers, real estate professionals, accountants, financial planners and attorneys have delivered the majority of the Company's customers.
In order to acomplish our mission, our Lenders are committed to providing our customers with the most competitive mortgage rates and closing costs, a vast portfolio of innovative mortgage products and programs, an effective and efficient distribution network, ease of accessibility to our experienced staff and most importantly; prompt, professional and courteous service.
If you're like most people, purchasing a home is probably one of the biggest investments you'll ever make in your lifetime.
If you're considering buying a home, you're likely aware of the complexity of the endeavor.
Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can.
At Capital City Financial Corporation, we are dedicated to finding the loan that fits your individual needs.
If you're considering buying a home, you're likely aware of the complexity of the endeavor.
Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can.
At Capital City Financial Corporation, we are dedicated to finding the loan that fits your individual needs.
To apply for a mortgage, you will have to provide the lender with detailed documentation of your financial history.
Two Years W-2's as well as Form 1099 for Pension Income and Social Security Income (if applicable).
Two Years Federal Tax Returns (all pages) as well as Federal Corporate or Partnership Tax Returns (all pages if applicable).
Two Months Current Checking and Savings Accounts Statements (all pages, no internet print outs please).
Two Months Statements of any other assets such as Brokerage Accounts, Money Markets and Retirement Accounts (all pages).
Two Years W-2's as well as Form 1099 for Pension Income and Social Security Income (if applicable).
Two Years Federal Tax Returns (all pages) as well as Federal Corporate or Partnership Tax Returns (all pages if applicable).
Two Months Current Checking and Savings Accounts Statements (all pages, no internet print outs please).
Two Months Statements of any other assets such as Brokerage Accounts, Money Markets and Retirement Accounts (all pages).
Refinancing is often used to lower your mortgage interest rate.
If mortgage rates have dropped since you last financed your home, you may want to consider refinancing.
Common reasons to refinance include: lowering your mortgage interest rate, lowering your monthly mortgage payment, reducing the term of your mortgage, converting an adjustable rate mortgage or a balloon mortgage to a fixed rate mortgage, dropping Private Mortgage Insurance, or to extract cash equity in your home (cash out).
A few reasons for cashing out include: home improvements, providing for educational expenses, and consolidating debts.
If mortgage rates have dropped since you last financed your home, you may want to consider refinancing.
Common reasons to refinance include: lowering your mortgage interest rate, lowering your monthly mortgage payment, reducing the term of your mortgage, converting an adjustable rate mortgage or a balloon mortgage to a fixed rate mortgage, dropping Private Mortgage Insurance, or to extract cash equity in your home (cash out).
A few reasons for cashing out include: home improvements, providing for educational expenses, and consolidating debts.
Cashing out refers to the refinancing of a loan where the borrower takes out cash greater than the existing mortgage balance on their home.
An example of a cash-out refinance is as follows: A home is appraised at $100,000 and the borrower's outstanding mortgage balance is $60,000, it is possible to enter into an 80% cash-out refinance transaction for a mortgage of $80,000 (80% of $100,000).
The new mortgage of $80,000 will pay off the $60,000 mortgage and leave $20,000 cash-out to the borrowers.
An example of a cash-out refinance is as follows: A home is appraised at $100,000 and the borrower's outstanding mortgage balance is $60,000, it is possible to enter into an 80% cash-out refinance transaction for a mortgage of $80,000 (80% of $100,000).
The new mortgage of $80,000 will pay off the $60,000 mortgage and leave $20,000 cash-out to the borrowers.
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