Business Details
18 Years
experience
Your Mortgage, Our Priority
Capitol Lending Group is a dedicated mortgage consulting firm serving clients in Florida and Georgia. Since 2008, we have prioritized personalized service, aiming to become our clients' most trusted mortgage advisors. Our team combines extensive industry experience with a commitment to community involvement, including supporting veterans through Honor Flight South Florida. We specialize in first-time homebuyer programs, VA loans, second home financing, and refinancing solutions. Our expertise in mortgage lock strategies ensures competitive rates, while streamlined processes enable efficient closings.The team includes seasoned professionals with backgrounds in real estate, financial services, and military service. We maintain strong relationships with wholesale lenders to provide diverse loan products tailored to individual needs. Our office manager brings architectural expertise and multilingual capabilities to enhance client interactions. We emphasize transparency and education, offering resources like home buyer guides and mortgage calculators. Through decades of combined experience, we deliver specialized mortgage solutions aligned with Florida and Georgia market dynamics.
Services
Mortgage Consulting
VA Loans
Second Home Loans
Refinancing
First-time Homebuyer Programs
Details
- Year established: 2008
Highlights and features
- We offer expert mortgage lock strategy guidance
- Our team provides fast and seamless closings
- Specialized VA loan programs for veterans
- Serving Florida and Georgia communities since 2008
- Community-focused through Honor Flight sponsorships
What people say
Seamless closings
VA loan specialists
Personalized service
Military-friendly
Quick approvals
Services
VA Loans
Specialized mortgage programs for active-duty military, veterans, and eligible surviving spouses. These loans enable zero-down financing with favorable terms, including 1% maximum closing costs. Our team provides personalized guidance through the VA loan process.
Second Home Loans
Financing solutions for additional residential properties, with options for primary residence combinations or investment strategies. We help clients navigate special tax considerations and distance requirements between properties.
Mortgage Consulting
Comprehensive mortgage advisory services covering loan product selection and rate lock strategies. Our consultants provide market insights for Florida and Georgia residents seeking optimal financing solutions for all property types.
Refinancing
Strategic refinancing opportunities to reduce costs or modify loan terms. We evaluate current mortgage conditions against market rates to determine if refinancing aligns with clients' financial goals and timelines.
First-time Homebuyer Programs
Tailored mortgage solutions for first-time purchasers, including educational resources and qualifying assistance. Our programs address down payment requirements and credit considerations specific to new homeownership opportunities.
People
Ryan Paton
Founder
Established Capitol Lending Group in 2008 after 7 years as Mortgage Approval Group Vice President. Former lifeguard and University of South Florida political science graduate with 20+ years mortgage industry experience.
Peter Scaduto
Vice President of Operations
10-year Home Depot manager turned financial services professional. SUNY New Paltz graduate with mortgage expertise since 2010. Focuses on operational efficiency and client transaction systems development.
Justin Cecere
Loan Originator
University of Florida graduate with real estate licensing since 2004. Brings architectural knowledge and local market expertise to mortgage solutions. Active member of multiple Realtor associations.
Mary Sayan
Office Manager
Peruvian architect turned mortgage professional with 8 years processing experience. Fluent in Spanish and English, emphasizing family-like client interactions since joining in 2013.
Rusty Shaw
Loan Originator
Air Force veteran and Eagle Scout with firefighting/paramedic background. Specializes in military veteran services, as former Blackhawk helicopter crew chief with Iraq deployment experience.
Questions
What mortgage services does Capitol Lending Group offer?
We provide VA loans, second home financing, refinancing, investment property loans, and first-time homebuyer programs.
How does Capitol Lending support military veterans?
We specialize in VA loans with zero down payment options and partner with Honor Flight South Florida to support veterans.
Can I get mortgage assistance if self-employed?
Yes, we offer specialized documentation pathways for self-employed individuals seeking mortgage approval.
What areas do you serve?
We primarily serve Florida and Georgia residents with mortgage financing solutions.
How does the VA loan process work?
Our experts guide veterans through eligibility verification, documentation, and closing for 100% financing options.
What makes Capitol Lending different from other brokers?
Our veteran-specific programs, fast closings, and lock strategy expertise set us apart in Florida and Georgia markets.
