"Where do I start?"

Get Comfortable

Many people like to know what to expect before they speak to or visit with a mortgage specialist. That's why this site is set up to answer many of your questions and give you a feel for the process. But at Capital Family Mortgage, you can be assured that every contact, every call, every step of the way will be relaxed and stress-free. Your loan specialist at Capital Family is standing by to help you. We're happy to take your call now to answer any questions you have and get you started right away. No worries -- we'll explain how everything works and make sure you are comfortable from start to finish.

Here's what to expect from the home buying process.

You might want to look around this site and try out some of the tools or read a bit about your loan choices. Look through the online loan application to see what's needed. Even go ahead and apply online if you like.

Call for an appointment with one of our experienced loan specialists, or apply online. Here you will find out how much house you can afford, and your unique loan options. With your in-person or online application, you'll get pre-approved for a mortgage.

Here's what to have ready when you apply:

W-2's for the past 2 years (if you're self-employed, bring the last 2 years' tax returns) Paycheck stubs from the past 30 days Copies of stock or bond statements, including retirement accounts Papers regarding bankruptcy, judgments or divorce.

Choose a real estate to represent your best interests in the purchase transaction, and start looking. We'll keep you informed and educated along the way. Call us at any time with questions.

You focus on the fun part -- shopping for your new home! We'll get your financing in order and have everything ready for you.

Choose your home. Your real estate agent will help negotiate the terms of the offer and purchase, and help you line up a home inspection.

We'll order an appraisal and preliminary title report on the home.

Talk to your insurance agent about homeowners insurance.

Plan your move!

Here's what to expect when refinancing:

Schedule an appointment with one of our experienced loan specialists, or apply online to get pre-approved for the mortgage. We will order an appraisal and preliminary title report. Close on your refinance -- in most cases we can get this done in just 2 to 3 weeks.

Quick answers to your mortgage questions

We're here to help you make sense of the complexity of home financing. Here's a collection of resources to help you learn and make decisions about your home loan needs, including information on current interest rates, the various loan programs we offer, a convenient online application, and a calculator to help you explore how variables like down payment and loan terms affect your monthly payments. There are also plenty of links to some of our favorite local home buying and relocating resources, including: recommended realtors, homeowner’s insurance providers, movers, utility companies, rental agencies, property inspectors, and reporting agencies.

Have other questions? Give us a call!