Business Details
38 Years
experience
Your Trusted Mortgage Partner in Lake Mary
CAPITALPlus Mortgage & Underwriting Services has been a trusted provider of mortgage services in Florida for over 25 years. Our team of experienced professionals specializes in mortgage origination, underwriting, and collateral review, offering tailored solutions for conventional, subprime, commercial, and specialized lending needs. We prioritize client education, transparency, and access to exclusive resources like our Select Realtor Direct Platform. Our commitment to personalized service ensures clients receive expert guidance through every step of the home buying and refinancing process. With a focus on innovation and client-centric practices, we deliver cost efficiencies and results that align with our clients' best interests.Our expertise extends to mortgage banking consulting, private note purchases, and capital-to-cure deferred maintenance services. We maintain direct access to talent and information typically unavailable from traditional lenders. Our staff's deep understanding of local market dynamics and mortgage products ensures informed decision-making for clients. We provide comprehensive educational resources on mortgage basics, credit management, and loan programs to empower informed choices. With thousands of testimonials dating back to 1988, our track record demonstrates consistent client satisfaction and industry leadership.
Services
Mortgage Origination
Refinancing Services
Underwriting Solutions
Commercial Lending
Credit Counseling
Loan Consultation
Appraisal Review
Private Note Purchases
Mortgage Consulting
Capital Deferred Maintenance
Details
- Year established: 1988
Highlights and features
- We have over 25 years of experience in Florida mortgage services.
- Our team provides direct access to exclusive talent and information.
- We offer realtor concierge services at no additional charge.
- We deliver custom quotes for underwriting and appraisal review services.
- Our staff includes certified mortgage professionals with industry expertise.
What people say
Outstanding service
Quick loan approval
Expert guidance
Personalized support
Successful complex transactions
Services
Mortgage Origination
Our mortgage origination services provide tailored home loan solutions for first-time buyers and experienced homeowners. We offer conventional purchase money loans with competitive rates and flexible terms. Our team guides clients through document preparation, credit assessment, and loan program selection. With direct access to underwriters and exclusive resources, we streamline the approval process while maintaining compliance with all regulatory requirements.
Refinancing Services
We specialize in mortgage refinancing solutions to help clients reduce monthly payments, lower interest rates, or access home equity. Our professionals analyze current loan terms and market conditions to determine optimal refinancing opportunities. Services include rate-term refinancing, cash-out options, and specialized programs for unique financial situations. We provide clear cost-benefit analyses to help clients make informed decisions about refinancing timelines and potential savings.
Commercial Lending
Our commercial lending division offers tailored financing solutions for investment properties and business real estate needs. We provide purchase and refinance options for multi-family housing, retail spaces, and office buildings. Services include acquisition financing, construction loans, and builder lines of credit. Our team understands the complexities of commercial real estate transactions and offers specialized underwriting and collateral review services to support successful deal closures.
Underwriting Solutions
We deliver comprehensive underwriting services with in-house delegated authority and appraisal review capabilities. Our team evaluates loan applications using advanced risk assessment methodologies while maintaining strict compliance standards. Services include collateral review, credit analysis, and documentation verification. We provide detailed reports with clear recommendations to help clients understand loan viability and potential risk factors associated with various mortgage products.
Credit Counseling
Our credit counseling services help clients understand and improve their credit profiles for successful mortgage applications. We offer credit score analysis, debt management strategies, and personalized improvement plans. Our professionals explain how credit history impacts loan terms and provide actionable steps to enhance creditworthiness. We also offer educational resources on credit reporting agencies and strategies for maintaining strong financial health during the mortgage process.
Questions
When should I consider refinancing my mortgage?
Refinance when rates drop at least 1-2% below your current rate. This can lower monthly payments and improve loan terms. Our professionals analyze your specific situation to determine if refinancing makes financial sense.
What are discount points and should I pay them?
Discount points reduce your interest rate by paying upfront fees (1 point = 1% of loan amount). We recommend paying points if you plan to stay in your home for several years to maximize long-term savings.
How does the APR differ from my mortgage interest rate?
APR includes both your interest rate and additional loan costs, providing a complete picture of your mortgage's annual cost. We help explain APR calculations when comparing loan offers to ensure transparent decision-making.
What documents are required for a mortgage application?
We typically need income verification (pay stubs, tax returns), asset documentation (bank statements), credit history, and property information. Our team provides detailed checklists and guides applicants through the documentation process.
How can I improve my credit score for better loan terms?
We recommend timely bill payments, reducing credit card balances, and avoiding new credit inquiries. Our counselors provide personalized credit improvement plans and explain how different factors impact your FICO score.
