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Capital Mortgage Co.

Capital Mortgage, Inc. is a leader in providing mortgage financing services to customers. Capital Mortgage’s main objective is on their retail mortgage customers instead of diversifying into other lending arenas.  This method of operation allows Capital Mortgage to aim their energies in producing superior customer service, ensuring customers receive the attention they deserve, as well as allowing them to stay on top of the most current loan programs.  A Capital Mortgage representative works with a customer  from the initial loan application up through the closing of escrow.  Providing this individualized service allows a open line of communications which in turn ensures a prompt transaction that runs smoothly.  Headquartered in Covina, California, Capital Mortgage Company was founded by Tony Morones, president.  Tony started his career in the mortgage industry in 1979.  Capital Mortgage’s sales manager is Daniel Molina who has a great deal of negotiating power as Teamster Union representative.  Daniel makes sure that Capital Mortgage’s customers obtain the absolute lowest interest rates available.  All Capital Mortgage loan officers attend an intern program and this program also ensures they receive training on the most up-to-date loan programs and products. Capital Mortgage Company’s motto is:  "Providing a home loan you can be proud of".

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Loans Funded by Capital Mortgage

• Home Purchase Loan Programs
• Subprime Loan Programs – For customers with poor credit.
• Refinancing Loan Programs
• Home Equity Programs
• Home Equity Lines of Credit (HELOC) – Take advantage of equity in home.
• Second Mortgage Loans – Another way to use home equity.
• Graduated Payment Mortgages (GPM) – Has a fixed note rate as well as payment schedule.
• Interest Rate Buydowns – Most common is the 2-1 buydown.
• Reverse Mortgages – Special loan type for designed for older homeowners – convert the equity in the home into cash.
• Commercial Loan Programs – For investment & commercial properties.
• Balloon Mortgages – Short-term with some features of a fixed rate.
• Interest Only Loans – Simple way to save money, a popular option vs. fixed rate, has risks though.  Allows consumers greater buying power along with an increase in cash flow.  There are other benefits also that consumers should investigate.
• Conventional and Jumbo Loans – Secured by government-sponsored entities like Freddie Mac and Fannie Mae.
• Fixed Rate Mortgages – Monthly principal & interest payments never change.
• Adjustable Rate Mortgages (ARM) – Usually start out with an interest rate 2-3% below a comparable fixed rate loan.  May allow a consumer to purchase a more expensive home.
• Introductory Rate ARMS – Has a lower start rate, by sometimes as much as 5% below current market rate of fixed loan.
• FHA Loan Programs – This helps moderate/lower income borrowers by reducing some of the costs of the mortgage loan.
• VA Loan Programs – For those who qualify by military service.

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California Mortgage Loans is not directly affiliated with any mortgage broker or lender and cannot make any guarantee as to the lender affiliation of any broker or agent which contacts you. Company information on our site is for informational purposes only.