Resources

If you’re getting ready to purchase a home for the first time, you might feel a little overwhelmed…and that’s totally normal! There are a lot of things to consider, and we hope to help simplify the process with expert advice and plenty of options that work for your specific situation.

Purchasing a property has the potential to be an incredibly lucrative and low-risk investment if handled correctly. Not only is it typically considered a more stable investment, but it can also function as a source of income if rented or leased. No matter which type of property you are seeking to acquire, we are here to provide you with a convenient and mutually beneficial lending process.

If you’ve found a property that you consider to be a dream vacation home, we’re here to help you navigate through the process of purchasing it. A vacation home can be more than a fun investment; it can be a lucrative one as well. If you decide to rent this home during the times that you’re not there, it can function as a stable and significant monthly source of income.

Our purchase Experts are well experienced in coordinating real estate transactions that proceed efficiently and close on time. Of course, that’s not the only advantage you’ll get from doing business with us. At Capstone Direct, we are firmly committed to providing you with the best lending experience.

A fixed rate loan, as you would expect, is a loan that charges a fixed interest rate for the entirety of its duration. Fixed rate loans provide the advantage of complete stability and predictability. With a fixed rate loan, you can calculate exactly how much you will be paying over any given time interval within the duration of your loan.

If you are looking to begin the process of applying for a mortgage, one of the first decisions you’ll need to make is whether to get a fixed rate loan or an adjustable rate loan. Our team of experts are standing by and ready to assist you with navigating the details of this decision.

Federal Housing Administration (FHA) mortgages are a special type of mortgage that is insured by the government and comes with a variety of advantages. FHA mortgages are only granted to qualified buyers and allow for more flexible credit requirements in applications.

If you are a veteran looking to finance the purchase of a home, then you are most likely eligible for a VA loan. VA loans are loans partially guaranteed by the U.S. Department of Veterans Affairs, which allows lenders like us to reward veterans with far more favorable loan terms. In most cases, eligible applicants will be able to receive a mortgage at a low interest rate without having to put forth a down payment.

If you’re over the age of 62, a Reverse Mortgage may be a sound financial option for you to consider. A reverse mortgage can provide supplemental income for individuals who have significant equity in their homes and can be a path to financial security for those who feel they haven’t sufficiently saved for retirement, all while maintaining home ownership.

A home equity line of credit (HELOC) is a type of home loan that allows homeowners to borrow money against the equity they’ve stored in their homes. Instead of borrowing a fixed dollar amount, a HELOC has a maximum draw similar to a credit card.