Business Details
Trusted Mortgage Brokers in Oxford, CT
First Capital Lending has been helping customers achieve homeownership dreams for over 25 years through personalized mortgage solutions. Our Connecticut-based team specializes in securing competitive loan rates and tailored financing options for purchase and refinance transactions. With expertise in conventional, FHA, VA, USDA, and jumbo loan programs, we guide clients through every step of the mortgage process while maintaining strict compliance with federal regulations.Our commitment to transparency is demonstrated through secure application systems, detailed mortgage calculators, and comprehensive educational resources. We prioritize client satisfaction by offering specialized programs for self-employed borrowers, military veterans, and first-time homebuyers while maintaining rigorous quality standards recognized by the NMLS (Company NMLS: 109139).
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Refinancing Options
Asset-Based Loans
Home Equity Lines
Purchase Loans
Cash-Out Refinance
Highlights and features
- We offer 25+ years of mortgage industry experience in Connecticut
- Our team provides personalized loan programs for unique financial situations
- We maintain NMLS-certified compliance standards (Company NMLS: 109139)
- Our secure application system protects client financial information
- We specialize in complex loan scenarios including self-employed borrowers
Services
Conventional Loans
Conventional mortgage loans offer fixed or adjustable-rate options without government insurance. These loans require minimum 3% down payments for qualified borrowers. Ideal for buyers with strong credit histories seeking competitive rates and flexible terms.
FHA Loans
FHA-insured mortgages require only 3.5% down with more lenient credit requirements. Designed for first-time homebuyers and those with moderate credit challenges. Includes streamline refinance options for existing FHA borrowers.
VA Loans
Department of Veterans Affairs guaranteed loans offer zero down payment options and competitive rates for eligible military personnel and veterans. Includes specialized cash-out refinance programs for qualified applicants.
USDA Loans
USDA Rural Development loans provide zero down payment financing for properties in eligible rural and suburban areas. Income limits and property location requirements apply for this government-backed mortgage program.
Jumbo Loans
Jumbo mortgage loans exceed conventional loan limits (currently $548,250). Designed for high-value properties with stricter underwriting standards. Available with fixed or adjustable rate structures for qualified borrowers.
Questions
What mortgage loan types do you offer?
We provide conventional, FHA, VA, USDA, jumbo, and asset-based loans with specialized programs for self-employed borrowers and military veterans.
Do you offer refinancing options?
Yes, we offer rate-and-term refinancing, cash-out refinancing, and streamline options for FHA and VA loans.
How can I check my mortgage rate?
Visit our website to get a custom rate quote or use our online mortgage calculators for preliminary estimates.
What credit score is needed for mortgage approval?
While we consider multiple factors, typical minimum FICO scores range from 620-700 depending on loan program requirements.
Are there prepayment penalties?
No, our standard mortgage programs do not include prepayment penalties for early loan payoff.
How long does the mortgage process take?
The average loan processing time ranges from 30-45 days depending on documentation completeness and property appraisal timelines.
