Home Capital Group
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Whether you are shopping for a new property or have just signed a contract Home Capital Group can help you obtain financing that is right for you. For most of us, a new property is the largest purchase we'll make in our lives, and we at Home Capital Group want to make this the smoothest and most stress-free process it can be. Our combination of honesty, integrity, and industry expertise is what has kept us in business for all these years and keeps our customers returning and referring their friends and family.

Home Capital Group is a licensed mortgage broker and works with many different banks to ensure that we get you the best program to fit your needs. Will the property be your new primary residence, a second home, or an investment property? What type of property are you looking to buy? Is it for example a single family home, townhouse, condo, commercial space, or multi-unit building?

If you have already signed a contract or have a specific property in mind, contact Home Capital Group to start your loan application process today.
Services
Since 1994, Home Capital Group has been matching clients with the best possible loan, customized for their personal needs.
Our all-inclusive service brings together everything from appraisals, title searches, and insurance, to the management of everyone involved in your mortgage.
We like to call it a hassle-free process in which we do all of the behind-the-scenes legwork to bring you the final, concise explanation of your best options.
The foundation of our business is honesty, integrity, knowledge, and a commitment to providing customized, high quality finance options to you.
We have put together many calculators and tools to help you make sense of the numbers.
They are all easy and fun to use.
Calculate monthly payments of how much your home will cost you with this calculator.
By using a simple formula you can get an idea of how much house you can afford.
See the principal balance change as payments are made.
This will show you how much you will owe on your house in "X" amount of years.
Also, see how much of your payment is being applied to the principal and how much is being applied to the interest.
We have put together some helpful information that will help you understand the mortgage process.
Find answers to some frequently asked questions.
Get a free credit report and score from Experien.
Fill out a simple form and we will help you find the loan that's right for you.
See a list of the many different types of loans available along with their description.
If your have heard a term that you are not familiar with maybe our Glossary of Terms might help.
Here are some of the common documents needed for a documented loan.
Listed below are the basic guidelines of how our industry determines how much of a mortgage payment you qualify for.
Your gross (before taxes) monthly salary should be greater than 28% of the sum of the monthly mortgage and monthly tax payments.
Your gross (before taxes) monthly salary should be greater than 36% of the sum of the monthly mortgage, monthly tax and other monthly debt payments.
This is a simple calculator that shows you the balance of your loan over the length of the loan.
It also shows you what amount of your payment is interest, and what amount is being applied to the principal.
The difference between the payment amount and the interest amount, is the figure being applied to the principal.
As you can see, in the beginning more of your payment is used towards paying the interest of the loan then paying off the balance.
View the Bi-Weekly calculator to see how making payments every 4 weeks instead of every month can save you thousands of dollars or take years off the term of the loan.
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