Capstone Home Loans is a leading, full-service integrated mortgage bank setting the standard for the industry today with a purposeful eye towards the future. Distinguishing ourselves by embracing an entrepreneurial spirit that is highly compliant, resulting in a dynamic environment that supports our client's now and into the future.
We view our work as significant and see ourselves as a part of the fabric of our communities. As such, we actively demonstrate this by supporting the "good works" of others. Backed by the support of American Pacific Mortgage Corporation, Capstone has been a leading branch for APMC for the last several years - being their top producing branch in WA.
We view our work as significant and see ourselves as a part of the fabric of our communities. As such, we actively demonstrate this by supporting the "good works" of others. Backed by the support of American Pacific Mortgage Corporation, Capstone has been a leading branch for APMC for the last several years - being their top producing branch in WA.
Services
We deliver superior quality mortgage services that add real value to our customers, employees and community. Guided by the belief that work is good and intended to be an expression of what one loves to do we embrace the opportunities presented to us with care, gratefulness, and enthusiasm. We believe it is an honor to partner with others, serve our clients, and support our associates.
Conventional mortgage loans are not insured or guaranteed by the federal or state government, this makes it a higher risk loan for the bank, so the qualifications are more strict. Typically, conventional mortgage loans adhere to the guidelines set by Fannie Mae and Freddie Mac. Fannie and Freddie are the two government-sponsored enterprises that purchase and sell mortgage-backed securities (MBS).
As a borrower, one of your first choices is whether you want a fixed-rate or an adjustable-rate mortgage loan. All loans fit into one of these two categories. Fixed-rate mortgage loans have the same interest rate for the entire life of the loan. Because of this, the size of your monthly payment will stay the same month after month, and result in a portion of the loan's principal being paid down every month.
Refinancing is the process of obtaining a new mortgage in an effort to reduce your monthly payments, lower your interest rates, take cash out of your home for large purchases, or change mortgage companies. Most people refinance when they have equity in their home, which is the difference between the amount owed to the mortgage company and the worth of the home.
A reverse mortgage allows homeowners over the age of 62, to convert equity in their homes to cash. The amount of reverse mortgage you may be able to qualify for is not dependent on your income. In fact, it is wholly based on your age, the value of your home, and current interest rates. A benefit of a Reverse Mortgage is that the proceeds can be used as you wish.
Reviews (10)
Shane Storm
Jan 06, 2022
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Storm Clan
Dec 19, 2021
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Raven Robertson
Nov 18, 2021
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Arron was recommended to me by a close friend and I started talking to Aaron and Cindy at Capstone as soon as I knew I wanted to buy a house.
They helped me through every single step. Months before I was ready to buy, they walked me through easy things I could do to optimize my credit score and prepare for the pre-approval process. They made all of my to-do tasks for buying a house straight forward and their confidence in the process and in my approval odds left me feeling confident as well.
They were personable. I felt like they really wanted the best outcome for me, they really made me feel
They helped me through every single step. Months before I was ready to buy, they walked me through easy things I could do to optimize my credit score and prepare for the pre-approval process. They made all of my to-do tasks for buying a house straight forward and their confidence in the process and in my approval odds left me feeling confident as well.
They were personable. I felt like they really wanted the best outcome for me, they really made me feel
Linda Mauer
Nov 17, 2021
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Capstone Home Loans was a fantastic company to refi our home loan. David Sundquist was especially fabulous. He was a great communicator explaining the process and so patient of our questions. It was so easy to do this refi! David found us the very best deal for our new mortgage loan. I highly recommend David and Capstone Home Loans.
Chad Bell
Nov 01, 2021
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Dalynn Bernethy
Nov 01, 2021
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Enrique Alvarez
Oct 15, 2021
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As a Real Estate Agent, I have referred many clients to Capstone throughout the years. Most recently, my client and I had an amazing experience working with Ashley Johnson. She was open, honest and stayed in constant communication during the entire process. Her efforts allowed my client to close quickly and efficiently. Thank you Ashley for your hard work! I highly recommend her for your future loan needs.
Sean Wilkerson
Jul 31, 2021
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Crystal Stevenson
Jul 01, 2021
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Jeff Jaynes
May 27, 2021
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I cannot give Rosa and her team enough praise! They were so helpful from the very first phone call with the pre-approval, I went into this not knowing anything with loans in general and have left with so much knowledge. Rosa and her team were extremely helpful with all of my questions and they loved breaking down everything into detail since I was so technical. They were happy to get me through each step and show me all of my options and what type of loans I qualified for, and when we found the perfect house they got into gear. They helped me get my perfect home, and I couldn't have done it without
