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Capital City Home Loans Capital City Home Loans
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Business Details
20 Years
experience
Trusted Mortgage Brokers in the Southeast
Established in 2006, Capital City Home Loans operates as a trusted full-service mortgage lender specializing in residential financing. Our team combines over three decades of industry expertise with a commitment to innovative lending solutions, offering FHA, VA, conventional, jumbo, and specialty loan programs tailored to diverse financial needs. Rooted in Southeast communities, we maintain strong partnerships with local realtors, builders, and organizations to support homeownership through down payment assistance programs and personalized guidance. Our loan officers, deeply embedded in their communities through civic engagement and education initiatives, serve clients across ten states with an unwavering focus on ethical practices and transparent communication.

As a leader in mortgage production with 31 locations and a workforce exceeding 200 employees, we leverage technological advancements to streamline the lending process while maintaining the personalized attention that distinguishes our service. Our leadership team, with combined industry experience surpassing 50 years, oversees compliance, training, and operational efficiencies to ensure we meet evolving client expectations. Recognized for our community reinvestment programs and client-centric approach, we continue expanding our footprint while upholding the integrity and trust that have become hallmarks of our brand.
Services
Government Loans Conventional Loans Jumbo Loans Construction Loans Home Equity Loans VA Loans FHA Loans USDA Loans Specialty Loans Down Payment Assistance
Details
  • Year established: 2006
Highlights and features
  • Our team members maintain deep community ties through involvement with local schools and charities
  • We offer a comprehensive range of mortgage programs including government-backed and specialty loans
  • 31 strategically located branches provide localized service across ten Southeast states
  • Leadership team brings combined industry experience exceeding 50 years
  • Community reinvestment initiatives support sustainable homeownership opportunities
Update Listing
Services
Government Loans
Capital City Home Loans offers government-insured mortgage options including FHA, VA, and USDA loans. These programs provide accessible financing for qualified borrowers with reduced down payment requirements and flexible credit standards. Ideal for first-time homebuyers and military personnel, these loans support affordable homeownership opportunities across the Southeast.
Conventional Loans
Our conventional loan programs feature competitive rates for borrowers with strong credit profiles and stable income. With options for fixed and adjustable-rate mortgages starting at 3% down payment, these loans suit traditional homeownership scenarios while offering streamlined approval processes compared to government-backed alternatives.
Jumbo Loans
Jumbo mortgage solutions address financing needs exceeding standard conforming loan limits. Available for primary residences, investment properties, and second homes, these loans support luxury home purchases in high-value markets with tailored underwriting criteria for qualified applicants across our service region.
Construction Loans
Specialized construction financing enables custom home building with a single-close process combining construction and permanent mortgage phases. Supporting purchase and renovation projects up to $3 million, these loans offer flexible loan-to-value ratios and builder partnerships while maintaining protection for both borrower and construction professionals.
Down Payment Assistance
Regional down payment assistance programs reduce initial investment requirements for qualifying buyers. Partnering with state and local agencies, we administer grants and deferred payment options ranging from $4,000 to $20,000, specifically designed to support first responders, educators, and underserved communities in their homeownership journey.
People
Greg Shumate
CEO, Managing Partner
Industry leader with three decades of mortgage experience, founded Capital City Home Loans in 2006. Oversees operations across 31 branches and nine states while serving on multiple financial institution boards.
Alex Koutouzis
President, Managing Partner
Mortgage executive with over 20 years of experience driving company growth since 2010. Responsible for expanding the sales force, establishing operational infrastructure, and managing compliance and training departments.
Questions
What mortgage programs do you offer?
We provide FHA, VA, conventional, jumbo, USDA, construction, and specialty loan programs tailored to various homebuying needs and financial situations.
Do you have down payment assistance options?
Yes, we partner with state and local agencies to offer multiple down payment assistance programs ranging from $4,000 to $20,000 for qualifying applicants.
In which states do you operate?
We provide mortgage services in ten Southeastern states including Georgia, Florida, Tennessee, North Carolina, and Virginia.
Can I use a VA loan for refinancing?
Yes, we offer VA refinancing options to eligible veterans and military personnel for both rate/term and cash-out refinancing purposes.
How does the construction loan process work?
Our one-time-close construction loan combines both construction and permanent financing, allowing qualified borrowers to lock in long-term rates upfront while building their custom home.
What are your credit requirements?
Minimum credit scores vary by program, with FHA loans available for applicants starting at 600 and conventional loans typically requiring 620 or higher.