Creative Mortgage Group

First Capital Lending has been a cornerstone of the Connecticut mortgage lending industry for over two decades. Based in Oxford, Connecticut, we pride ourselves on our deep understanding of the local market and our commitment to offering personalized service to every client. Our team of experienced mortgage professionals works tirelessly to navigate the complexities of the home loan process, ensuring a smooth and stress-free experience for our borrowers. We believe that buying or refinancing a home should be an exciting milestone, and we strive to make it a reality for everyone who dreams of owning a piece of the American Dream.

Serving Your Home Finance Needs

At First Capital Lending, we understand that each individual's financial situation and homeownership goals are unique. That's why we offer a comprehensive suite of loan programs, tailored to meet the diverse needs of our clients. Whether you're a first-time homebuyer, looking to upgrade to a larger property, or seeking to refinance your existing mortgage to secure lower monthly payments or access your home equity, we have the expertise and resources to find the perfect solution for you.

Purchase Loans

Our comprehensive portfolio of purchase loan programs includes:

• Conventional Loans: These are popular loans for borrowers with strong credit histories and stable incomes.

• FHA Loans: Backed by the Federal Housing Administration, these loans are designed to make homeownership more accessible for first-time buyers or those with less-than-perfect credit.
• VA Loans: Offered to eligible veterans, active-duty military personnel, and surviving spouses, these loans provide favorable terms and often require no down payment.
• USDA Loans: This program, supported by the U.S. Department of Agriculture, offers low-interest mortgages and no down payment requirements for eligible borrowers in rural areas.
• Jumbo Loans: For properties exceeding conforming loan limits, our jumbo loan program provides competitive rates and personalized service.
• Bank Statement Loans: These loans consider your bank statements instead of traditional credit reports, making them an excellent option for self-employed individuals or those with limited credit history.

• Debt Service Loans: Designed for borrowers with existing debt obligations, these loans factor in your current payments to determine your ability to repay.
• Asset Based Loans: This program focuses on your assets, such as investments or real estate, to secure your loan.

Refinancing Options

If you're looking to lower your monthly payments, access your home equity, or simply consolidate your debts, our refinancing options are designed to meet your specific needs:

• Conventional Refinancing: Lower your interest rate and monthly payments with a traditional refinance.
• Streamline Refinances (FHA and VA):: Enjoy a simplified refinancing process specifically for FHA and VA loan holders.
• Cash Out Refinances (FHA and Conventional): Tap into your home equity by borrowing against its value.
• FHA 203k Renovation Loans: Obtain financing to remodel or renovate your existing home while refinancing.
• HELOCs (Home Equity Lines of Credit): Access a revolving line of credit against your home equity for various financial needs.
• No-Doc Loans: This streamlined option requires minimal documentation, making it ideal for borrowers with self-employment income or complex financial situations.

Our dedication to personalized service ensures that each client receives the individualized attention and expert guidance needed to make informed decisions about their home financing. We are here to be your trusted partner throughout the entire home buying or refinancing journey.