REAL ESTATE

FUNDING YOUR DREAMS

1-877-708-2018
NMLS ID# 1653607

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TRADITIONAL LOANS

GET APPROVED to Purchase or Refinance Residential Property with Capital City Mortgage in 5 Minutes or Less! CLICK PHOTO TO SCHEDULE YOUR APPOINTMENT TODAY 

FHA Elite Fixed 640

Primary Residence Only: Property Type: 1-4 Units o Purpose Type: Purchase or Refinance o Max LTV/CLTV: 96.5% o Min FICO: 640 o Max DTI: Determined by AUS o Base Loan Amount: $125,000 - FHA Mortgage Limit Jumbo Minimum is $1 over Conforming Loan Limit

FHA Fixed 580

o Property Type: 1-4 Units o Purpose Type: Purchase o Max LTV/CLTV: 96.5% o Min FICO: 580 o Max DTI: Determined by AUS o Base Loan Amount: Maximum is FHA Mortgage Limit

100% VA Elite 640

Purchase & Cash-Out Refinance (Primary Residence Only): o Property Type: 1-4 Units o Purpose Type: Purchase o Max LTV/CLTV/HCLTV: 100% o Min FICO: 580 o Base Loan Amount: Maximum is conforming loan limit; Jumbo minimum is $1 over conforming loan limit

100% VA 580

Purchase & Cash-Out Refinance (Primary Residence Only): o Property Type: 1-4 Units o Purpose Type: Purchase o Max LTV/CLTV/HCLTV: 100% o Min FICO: 580 o Base Loan Amount: Maximum is conforming loan limit; Jumbo minimum is $1 over conforming loan limit

Conventional Loan

Available for any occupancy • Follow regular LTV guidelines (max 97% for FTHB) • 1-4 unit primary • 1 unit only for secondary or investment • Repair budget up to 75% of After-Improved value (ARV)

100% DPA

100% CLTV FHA Loan with Down Payment Assistance • No income restrictions • 3.5% Second with 0% Note rate (No Payment) • Refer/Eligible OK

Non Traditional LOANS

GET APPROVED to Purchase or Refinance Residential with Non Traditional Loans at Capital City Mortgage in 5 Minutes or Less! CLICK PHOTO TO SCHEDULE YOUR APPOINTMENT TODAY 

Investor DSCR-Buy and Hold Up to 85%

Buy and Hold Investment Properties Up to 85% Purchase Only 700+ Credit Score Refinance 80% LTV Credit Score 660/Cash Out 75% LTV Credit Score 680+ No Income Verification Required 6 Months Reserves

Investor Fix and Flip Up to 95%

Up to 95% of Purchase Price 100% of Rehab Budget Max 80% of ARV Credit Scores 700+ 12,18 & 24 Terms No Appraisal / No Income Verification

Investor - Fix and Flip- No Payments

Fix and Flip your next investment Property LTV Up to 90% LTC Credit Score 640+ No Payments Up to 12 Months

Investor Bridge Loans- 12 Month Term

Up to 95% of purchase price Up to 80% of after-repair value 100% of rehab cost 12, 18 + 24 month terms w/ interest-only options Credit Scores 680+

Investor 80% No Credit Check- No Appraisal

Max 80% LTV Purchase or Refinance Investment Property No Credit Check No Appraisal AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, NE, ND, NH, NJ, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, VA, WA, WI, WV, and WY as well as Washington D.C.

Bank Statements 30 Year Fixed-90%

Bank Statements: Minimum 12 months' consecutive bank statements required Purchase, rate & term refinance, and cash-out refinance (1-4 units) Maximum Cash-Out Proceeds: $1,000,000 Max Loan Amount: $3,000,000 Max LTV: 90%/Min FICO: 660/Max DTI: 50%

Bank Statement 30 Fixed -85%

Bank Statements: Minimum 12 months' consecutive bank statements required Purchase, rate & term refinance, and cash-out refinance (1-4 units) Max Loan Amount: $3,500,000/Min $150,000 Max LTV: 90% (85% for 2-4 units)/Min FICO: 660 Max DTI: 55% (residual income requirements for DTI > 43%)

ITIN or 1099 Loans

Self Employed with Loan Amounts up to $100,000,000 Primary Residence, Second Homes or Investment Properties Minimum Credit Score 640+ 12 Month P&L OK

Land Loans Up to 65% LTV

Purchase or Refinance Land Up to 65% LTV Credit score 660+ No prepayment penalty No acreage limitations Repayment terms of up to 20 years Minimum loan amount of $100,000 Maximum loan amount of $825,000

RENOVATION LOANS

GET APPROVED to Renovate Your New or Existing Home with our Renovation Loans Capital City Mortgage in 5 Minutes or Less!  CLICK PHOTO TO SCHEDULE YOUR APPOINTMENT TODAY

100% HOME IMPROVEMENT LOANS RENO 55

Loan amounts up to $55,000* Primary, Second Homes and Investment Properties eligible. Minimum Credit Score 640+ Limited Income Verifications/No Appraisals Required Closed and Funded in 7-10 days Approved States: TX, ID, IL,MO

100% HOME IMPROVEMENT RENO 100

Loan Amounts up to $100,000 Major Renovations Exterior/Interior Primary Residence, Second Homes or Investment Properties Minimum Credit Score 640+ No Income Verifications/No Appraisals Required Closed and Funded in 7-10 days Approved States: TX, ID, IL,MO

HELOCS/HELOANS-Access Your Equity

Up to 80% CLTV Credit Scores 660+ 1-4 unit Primary Residences, Second Homes or Investment Full Doc/Alt Doc/VOE Only Close in 10 Days or Less

Build Smart! One Stop Construction Management Services

We offer Construction Management Services for New Construction Residential or Commercial Property. Designed for First time builders or investors Best in Class Building Materials Dedicated Team of construction professionals.

Commercial Tenant Improvement Loans

Office Space Improvements Funding Amounts: Minimum: $10,000/ Maximum: $500,000 Eligible Improvements: Office buildouts Retail storefront upgrades Restaurant kitchen installations Flooring, HVAC, lighting, and electrical systems Accessibility upgrades (ADA compliance)

Work/Live Residential Tenant Improvement

Moving Into a New Space Loan Amounts: Up to 100K Credit Scores 660+

Commercial Loans

GET APPROVED to Purchase or Refinance a Commercial Property Capital City Mortgage in 5 Minutes or Less! CLICK PHOTO TO SCHEDULE YOUR APPOINTMENT TODAY

FastCash50 Commercial Loan

Designed for investors with derogatory credit issues and high equity seeking quick and easy credit qualification.

ARV Pro Short Term Commercial

Key Features LTC up to 80% Credit Scores 650+ Loan Amounts $75K - $2MM up to 75% of the ARV and 80% of ”as-is” value Allows borrowers to finance improvements. Great for borrowers who need a quick close. An interest-only 1-year term provides lower monthly payments. A higher LTV than hard money lenders.

Multi Family Commercial Loans

Key Features Max LTV 75% Loan Amount 75K-$2MM max. Credit Score 650+ 30-year fixed rate. Interest-only payments up to 10 years. Great for qualifying self-employed investors and small business owners. Based on property value, not personal income. Best alternative to hard money loans.

CONSTRUCTION LOANS

Get APPROVED to Build a NEW Primary Residence or Investment Property with our Loans at Capital City Mortgage in 5 Minutes or Less!  CLICK PHOTO TO SCHEDULE YOUR APPOINTMENT TODAY

  • ONE TIME CLOSE CONSTRUCTION-Primary Only

    Purchase & Cash-Out Refinance: o Property Type: 1-4 Units o Purpose Type: Refinance o Max LTV/CLTV/HCLTV: 100% o Min FICO: 580-FHA/VA o Base Loan Amount: Maximum is conforming loan limit; Jumbo minimum is $1 over conforming loan limit

    Get Approved in 5 Minutes or Less

  • INVESTOR NEW CONSTRUCTION

    EXPERIENCED INVESTORS 3+ Projects Major Renovations Exterior/Interior-Fix and Flip Ok Investment Properties Only Minimum Credit Score 640+ No Income Verifications Closed and Funded in 10-14 days

    Get Approved in 5 Minutes or Less

  • Build Smart! One Stop Construction Management Services

    We offer Construction Management Services for New Construction Residential or Commercial Property. Designed for First time builders or investors Best in Class Building Materials Dedicated Team of construction professionals.

    Get Approved in 5 Minutes or Less

  • New Construction for Commercial Properties 1-10 Units

    Loan Amounts 300K-500K Multi Family Properties up to 10 Units No Experience Required!! First Time Investors Welcome Minimum Fico 660 50% AIV/65% ARV/85% LTC

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Our Team

Tunita Bailey #639787

CEO

Lorna Williams #2095869

Operations Manager

Patricia Riddley #267138

Mortgage Consultant

Tomeika Walker

Loan Processing Manager

Patricia Collins

Commercial Loan Officer

Christina Anderson

Commercial Loan Officer

Lavonne Clark

Commercial Loan Officer

Jackie Alexander

I-Renovate Network Director

OUR TEAM IS HERE TO ANSWER YOUR QUESTIONS

CONTACT US TODAY 1-877-708-2018 AND WE WILL REPLY WITHIN 24 HOURS

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