Capital City Financial Corporation proudly serves the Rhode Island, Massachusetts, and Connecticut communities. A strong and genuine belief in the "customer for life" principal of doing business is what fuels this company. Referrals from previous customers, real estate professionals, accountants, financial planners and attorneys have always delivered the majority of the Company's customers.
We broker Conventional, Jumbo, FHA, VA, USDA Rural Housing as well as First Time Home Buyer Loan Programs. Please feel free to call and schedule a complimentary consultation to determine which loan program is right for you. We can assist you with determining what type of refinance works for you.
We broker Conventional, Jumbo, FHA, VA, USDA Rural Housing as well as First Time Home Buyer Loan Programs. Please feel free to call and schedule a complimentary consultation to determine which loan program is right for you. We can assist you with determining what type of refinance works for you.
Services
A strong and genuine belief in the "customer for life" principal of doing business is what fules this company. Referrals from previous customers, real estate professionals, accountants, financial planners and attorneys have delivered the majority of the Company's customers.
In order to acomplish our mission, our Lenders are committed to providing our customers with the most competitive mortgage rates and closing costs, a vast portfolio of innovative mortgage products and programs, an effective and efficient distribution network, ease of accessibility to our experienced staff and most importantly; prompt, professional and courteous service.
In order to acomplish our mission, our Lenders are committed to providing our customers with the most competitive mortgage rates and closing costs, a vast portfolio of innovative mortgage products and programs, an effective and efficient distribution network, ease of accessibility to our experienced staff and most importantly; prompt, professional and courteous service.
If you're like most people, purchasing a home is probably one of the biggest investments you'll ever make in your lifetime. If you're considering buying a home, you're likely aware of the complexity of the endeavor. Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can.
To apply for a mortgage, you will have to provide the lender with detailed documentation of your financial history. Two Years W-2's as well as Form 1099 for Pension Income and Social Security Income (if applicable). Two Years Federal Tax Returns (all pages) as well as Federal Corporate or Partnership Tax Returns (all pages if applicable).
Refinancing is often used to lower your mortgage interest rate. If mortgage rates have dropped since you last financed your home, you may want to consider refinancing.
Common reasons to refinance include: lowering your mortgage interest rate, lowering your monthly mortgage payment, reducing the term of your mortgage, converting an adjustable rate mortgage or a balloon mortgage to a fixed rate mortgage, dropping Private Mortgage Insurance, or to extract cash equity in your home (cash out).A few reasons for cashing out include: home improvements, providing for educational expenses, and consolidating debts.
Common reasons to refinance include: lowering your mortgage interest rate, lowering your monthly mortgage payment, reducing the term of your mortgage, converting an adjustable rate mortgage or a balloon mortgage to a fixed rate mortgage, dropping Private Mortgage Insurance, or to extract cash equity in your home (cash out).A few reasons for cashing out include: home improvements, providing for educational expenses, and consolidating debts.
Cashing out refers to the refinancing of a loan where the borrower takes out cash greater than the existing mortgage balance on their home. An example of a cash-out refinance is as follows: A home is appraised at $100,000 and the borrower's outstanding mortgage balance is $60,000, it is possible to enter into an 80% cash-out refinance transaction for a mortgage of $80,000 (80% of $100,000).
Reviews (2)
Col Stephan
Mar 05, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
The most professional, knowledgeable and responsive expert in the business. I have trusted John for YEARS for everything in my personal tax, real estate and financial universe. He has boundless energy and is indelibly down to earth. Go see him now if you need someone on your side.
The most professional, knowledgeable and responsive expert in the business. I have trusted John for YEARS for everything in my personal tax, real estate and financial universe. He has boundless energy and is indelibly down to earth. Go see him now if you need someone on your side.
Janet Miller
Nov 20, 2020
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Johnathon has serviced our mortgage needs many times over the years; whether for our primary residence or rental properties. You will not find anyone smarter or more responsive than Johnathon and his staff. He treats you like family and is diligent in finding you the best rate to meet your needs. We highly recommend Capital City Financial.
