Taking the Stress out of the Mortgage Process
Founded in 2003 by Brad Cullipher, American Capital Home Loans has been empowering individuals across the United States to achieve their dream of homeownership. Over the past decade, we've guided countless clients through the process of purchasing, refinancing, and building their ideal homes. We pride ourselves on providing a seamless and stress-free experience, ensuring that every step of the journey is as straightforward and accessible as possible.
Our Commitment to You
At American Capital Home Loans, we understand that each borrower has unique goals and aspirations. As such, we take the time to understand your individual needs and objectives. Our dedicated team will work closely with you to explore various loan program options, assess your financial situation, and create a personalized mortgage plan that aligns perfectly with your financial goals.
Our Services
We offer a comprehensive range of mortgage services to meet your diverse needs:
Home Purchase
- Competitive rates and flexible terms
- Guidance through all stages of the buying process
- Personalized mortgage prequalification
- Streamlined online application process
Refinance
- Reduce your interest rate and monthly payments
- Access cash out for home improvements or other financial goals
- Flexible refinancing options to fit your unique situation
Our Expertise
Our team comprises experienced mortgage professionals with deep knowledge of the residential lending landscape. We are committed to:
- Providing clear and concise information throughout the process
- Guiding you through every step of the way
- Advocating for your needs and ensuring favorable terms
- Addressing your questions and concerns promptly and professionally
Beyond the Numbers
At American Capital Home Loans, we believe in building relationships. We take pride in offering personalized attention, tailored solutions, and a genuine commitment to your success. We want to empower you to achieve homeownership and create a brighter future.

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