Business Details
20 Years
experience
Your Trusted Mortgage Partner in the Southeast
Capital City Home Loans is a trusted full-service mortgage lender dedicated to providing innovative financing solutions across the Southeast. Founded in 2006, we combine decades of industry expertise with a client-focused approach to help families achieve homeownership. Our team of seasoned professionals offers a wide range of loan programs, including FHA, VA, conventional, jumbo, and specialty construction loans, tailored to meet diverse financial needs. We prioritize community engagement, partnering with local organizations and reinvesting in neighborhoods through targeted programs. With 31 locations and operations in 10 states, our locally rooted loan officers provide personalized service while maintaining strong ties to the communities they serve.Our leadership team brings over 50 combined years of mortgage industry experience, driving strategic growth and operational efficiency. We adhere to strict compliance standards, ensuring transparency and trust in every transaction. Our commitment to innovation is matched by our dedication to ethical lending practices and customer satisfaction. By fostering relationships with realtors, builders, and community stakeholders, we streamline the homebuying process for our clients. As a top lender in the region, we continue to expand our footprint while maintaining our core values of integrity, teamwork, and community stewardship.
Services
FHA Loans
VA Loans
Conventional Loans
Jumbo Loans
Construction Loans
Home Equity Loans
Down Payment Assistance
USDA Loans
Specialty Loans
Loan Servicing
Details
- Year established: 2006
Highlights and features
- We offer 15+ down payment assistance programs tailored to local communities.
- Our team includes NMLS-certified loan officers with 20+ years of regional expertise.
- We provide one-time-close construction loans for seamless homebuilding financing.
- Our proprietary loan products cater to unique financial situations in the Southeast.
- We maintain a 98% client satisfaction rate through personalized mortgage guidance.
Associations and certifications
- NMLS
Services
FHA Loans
FHA loans provide accessible mortgage options for low-to-moderate income borrowers. These government-insured loans require as little as 3.5% down payment with credit scores starting at 600. Our FHA loan specialists help clients navigate the process with competitive interest rates and flexible qualification criteria.
Construction Loans
Our one-time-close construction loans streamline homebuilding financing from land purchase to permanent mortgage. Loan amounts up to $3 million support primary and secondary residences with LTV ratios up to 90% for qualified builders. This program eliminates the need for separate construction and permanent financing.
Jumbo Loans
Jumbo loans cater to luxury homebuyers with financing exceeding conforming loan limits. We offer competitive rates for loan amounts above $766,550 with tailored underwriting guidelines. Our specialists help high-net-worth clients secure financing for premium properties across the Southeast.
Down Payment Assistance
We administer 10+ down payment assistance programs including state-specific initiatives. Our counselors help clients qualify for grants up to $20,000 through partnerships with housing authorities. These programs support first-time buyers and essential workers with reduced upfront costs.
VA Loans
VA loans offer zero-down payment options for eligible veterans and active-duty personnel. Our dedicated VA loan team processes applications with streamlined requirements, leveraging military service benefits. We help veterans secure competitive rates with no private mortgage insurance requirements.
People
Greg Shumate
CEO, Managing Partner
Industry leader with 30+ years of mortgage experience. Founded Capital City Home Loans in 2006 and expanded to 31 locations. Serves on multiple financial institution boards.
Alex Koutouzis
President, Managing Partner
20+ years of mortgage industry expertise. Joined in 2010, doubled loan officer production. Established compliance and training departments to support company growth.
Questions
What loan programs do you offer for first-time homebuyers?
We provide FHA loans with 3.5% down, VA loans for veterans, and 10+ down payment assistance programs. Our counselors help first-time buyers navigate these options.
Can I get a mortgage with less than perfect credit?
Yes, we offer FHA loans starting at 600 credit score and conventional loans with 620+ scores. Our team helps clients improve creditworthiness during the application process.
How does your construction loan process work?
Our one-time-close construction loans combine building and permanent financing. We work with approved builders to provide up to $3 million in funding with streamlined approvals.
Do you service the loans you originate?
Yes, we maintain in-house loan servicing for all originated mortgages. This ensures consistent support throughout the loan lifecycle without third-party transfers.
What states do you operate in?
We serve 10 Southeastern states including Georgia, Florida, Tennessee, and the Carolinas through 31 local offices with regionally specialized loan officers.
