Capstone Home Loans is a leading, full-service integrated mortgage bank setting the standard for the industry today with a purposeful eye towards the future. Distinguishing ourselves by embracing an entrepreneurial spirit that is highly compliant, resulting in a dynamic environment that supports our client's now and into the future. We view our work as significant and see ourselves as a part of the fabric of our communities.
As such, we actively demonstrate this by supporting the "good works" of others. Backed by the support of American Pacific Mortgage Corporation, Capstone has been a leading branch for APMC for the last several years - being their top producing branch in WA. From beginning to end, Aaron was AWESOME! He truly cared and always showed patience and willingness to go the extra mile to help us, meet with us, and answered all our questions!
Jeff was fantastic to work with in this process. He was easy to get in touch with, was constantly available to answer our questions, and was incredibly knowledgeable.
As such, we actively demonstrate this by supporting the "good works" of others. Backed by the support of American Pacific Mortgage Corporation, Capstone has been a leading branch for APMC for the last several years - being their top producing branch in WA. From beginning to end, Aaron was AWESOME! He truly cared and always showed patience and willingness to go the extra mile to help us, meet with us, and answered all our questions!
Jeff was fantastic to work with in this process. He was easy to get in touch with, was constantly available to answer our questions, and was incredibly knowledgeable.
Services
We deliver superior quality mortgage services that add real value to our customers, employees and community.
Guided by the belief that work is good and intended to be an expression of what one loves to do we embrace the opportunities presented to us with care, gratefulness, and enthusiasm.
We believe it is an honor to partner with others, serve our clients, and support our associates.
We take nothing for granted and are grateful for our families, friends, associates, business alliances and clients.
Guided by the belief that work is good and intended to be an expression of what one loves to do we embrace the opportunities presented to us with care, gratefulness, and enthusiasm.
We believe it is an honor to partner with others, serve our clients, and support our associates.
We take nothing for granted and are grateful for our families, friends, associates, business alliances and clients.
Conventional mortgage loans are not insured or guaranteed by the federal or state government, this makes it a higher risk loan for the bank, so the qualifications are more strict.
Typically, conventional mortgage loans adhere to the guidelines set by Fannie Mae and Freddie Mac.
Fannie and Freddie are the two government-sponsored enterprises that purchase and sell mortgage-backed securities (MBS).
Conventional loans may have either a fixed or adjustable rate, usually require a higher down payment, and have higher income and credit score requirements than government loans.
Typically, conventional mortgage loans adhere to the guidelines set by Fannie Mae and Freddie Mac.
Fannie and Freddie are the two government-sponsored enterprises that purchase and sell mortgage-backed securities (MBS).
Conventional loans may have either a fixed or adjustable rate, usually require a higher down payment, and have higher income and credit score requirements than government loans.
As a borrower, one of your first choices is whether you want a fixed-rate or an adjustable-rate mortgage loan.
All loans fit into one of these two categories.
Fixed-rate mortgage loans have the same interest rate for the entire life of the loan.
Because of this, the size of your monthly payment will stay the same month after month, and result in a portion of the loan's principal being paid down every month.
The consistency in the monthly payment makes budgeting easier for homeowners.
Fixed-rate mortgages are offered in a variety of terms.
All loans fit into one of these two categories.
Fixed-rate mortgage loans have the same interest rate for the entire life of the loan.
Because of this, the size of your monthly payment will stay the same month after month, and result in a portion of the loan's principal being paid down every month.
The consistency in the monthly payment makes budgeting easier for homeowners.
Fixed-rate mortgages are offered in a variety of terms.
Refinancing is the process of obtaining a new mortgage in an effort to reduce your monthly payments, lower your interest rates, take cash out of your home for large purchases, or change mortgage companies.
Most people refinance when they have equity in their home, which is the difference between the amount owed to the mortgage company and the worth of the home.
Opportunities to refinance your home are available regardless of the type of loan you have on your house.
Shorter-term mortgages-for example, a 15-year mortgage instead of a 30-year mortgage- generally have lower interest rates.
Most people refinance when they have equity in their home, which is the difference between the amount owed to the mortgage company and the worth of the home.
Opportunities to refinance your home are available regardless of the type of loan you have on your house.
Shorter-term mortgages-for example, a 15-year mortgage instead of a 30-year mortgage- generally have lower interest rates.
A reverse mortgage allows homeowners over the age of 62, to convert equity in their homes to cash.
The amount of reverse mortgage you may be able to qualify for is not dependent on your income.
In fact, it is wholly based on your age, the value of your home, and current interest rates.
A benefit of a Reverse Mortgage is that the proceeds can be used as you wish.
The reverse mortgage loans are secured by the home and the owner does not have to repay the loan until they die, sell or permanently move out of the home.
The amount of reverse mortgage you may be able to qualify for is not dependent on your income.
In fact, it is wholly based on your age, the value of your home, and current interest rates.
A benefit of a Reverse Mortgage is that the proceeds can be used as you wish.
The reverse mortgage loans are secured by the home and the owner does not have to repay the loan until they die, sell or permanently move out of the home.
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