Business Details
Your Trusted Mortgage Partner in Oxford, Connecticut
First Capital Lending has been serving Connecticut homeowners and refinancers for over 25 years with a commitment to honesty, integrity, and competence. Our team specializes in delivering the lowest mortgage rates and closing costs while providing personalized loan solutions tailored to each client's unique financial situation. With expertise in conventional, FHA, VA, USDA, jumbo, and specialized loan programs, we guide clients through every step of the mortgage processfrom pre-qualification to closing.Our NMLS-certified professionals (NMLS: 110152) leverage deep industry knowledge to help borrowers overcome financial roadblocks and achieve homeownership goals. Backed by 246-bit secure application technology and a client-centric approach, we maintain transparency in all transactions while adhering to strict accessibility standards for all users.
Services
Mortgage Loans
Refinancing
FHA Loans
VA Loans
Jumbo Loans
Highlights and features
- We offer 25+ years of mortgage industry expertise in Connecticut
- Our team provides access to multiple loan programs including FHA, VA, and jumbo loans
- We guarantee competitive mortgage rates with transparent fee structures
- Our NMLS-certified professionals maintain 246-bit secure application processes
- We specialize in helping borrowers overcome unique financial challenges
Services
Mortgage Loans
First Capital Lending offers comprehensive mortgage loan solutions tailored to individual financial situations. Our NMLS-certified professionals help clients secure financing for primary residences, vacation homes, and investment properties. With access to conventional, FHA, VA, and USDA loan programs, we provide competitive rates and personalized guidance through every step of the home buying process.
Refinancing
Our refinancing options help homeowners reduce monthly payments, shorten loan terms, or access home equity. We offer conventional refinancing, FHA streamline programs, VA cash-out options, and HELOC solutions. Our team analyzes current market conditions to determine optimal refinancing strategies for each client's financial goals.
FHA Loans
Specialized FHA loan programs provide accessible homeownership opportunities with low down payment requirements. Our experts guide first-time buyers through the FHA loan process, ensuring compliance with federal regulations while securing competitive interest rates for qualified borrowers.
VA Loans
We specialize in VA-guaranteed loans for eligible military veterans and service members. These programs offer zero-down payment options and favorable terms. Our team assists veterans in navigating the VA loan process, from certificate of eligibility to final closing documentation.
Jumbo Loans
For luxury home purchases exceeding conventional loan limits, our jumbo loan programs provide tailored financing solutions. We work with borrowers to structure high-balance mortgages with competitive rates while maintaining strict underwriting standards for long-term affordability.
Questions
When should I consider refinancing my mortgage?
Refinancing is typically beneficial when mortgage rates are at least 1% lower than your current rate, potentially reducing monthly payments.
What are mortgage points and should I pay them?
Points are upfront fees paid to lower interest rates. They're beneficial for long-term homeowners seeking reduced monthly payments.
How does the APR differ from the interest rate?
APR includes both the interest rate and additional loan fees, providing a comprehensive view of total borrowing costs.
What documents are required for a mortgage application?
Standard documentation includes income verification, asset statements, credit history reports, and property-specific information.
What is private mortgage insurance (PMI)?
PMI protects lenders against default risk when borrowers make down payments below 20% of the home's purchase price.
