Capstone Direct was founded in 2007 and we have successfully operated in good standing, including through significant challenges associated with the mortgage crisis. As a direct lender, our mortgage rates are typically lower than large financial institutions. Plus, we’ve simplified the loan application process,. We of course require the usual financial information, but we help you complete the forms, thereby making the process easier.
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FIXED RATE MORTGAGES
Interest rates for fixed rate loans are typically lower for shorter term loans and for borrowers with excellent, above average credit scores.
VARIABLE RATE MORTGAGES
Variable rate loans are popular when the prime rate (the amount the U.S. government charges lending institutions to borrow money) is low.
FHA (Federal Housing Administration) are government insured loans that are a preferable option for borrowers who have less than 20% for their down payment, and who may not have the best credit score.
REFINANCING & REVERSE MORTGAGES
If you already own a home, refinancing is something to consider when current interest rates are lower than the rate of your current mortgage. For people 62 or older, getting a reverse mortgage on your home can be a way to provide additional income.
About Brian McGill
Brian McGill is a licensed mortgage loan originator with a strong background in finance, planning, and teaching. As a detail-oriented, creative thinker, Brian works to provide innovative solutions to clients’ specific needs. He is passionate about helping people navigate the mortgage industry and making information easy to understand.
Prior to joining Capstone Direct, Brian worked at Northrop Grumman as a Financial Analyst for their Aerospace Division. He received his BA in Business Economics from The University of Arizona. When he’s not helping people with their mortgages, he’s spending time with his wife, mcKensey, and their Australian Labradoodle, Hattie. You may also spot him in the bike lanes around San Diego training for triathlons or in the kitchen whippin’ up a mean meal.
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Capstone Direct is committed to empowering its customers, employees and business partners with a tangible foundation of service and useful information to contribute to their making the best decisions possible for themselves so that we all may “RISE”.