Confidence & Expertise
Helping borrowers navigate mortgage options with clarity and confidence.
We offer a wide range of residential, specialty, and commercial financing solutions designed to meet borrowers at every stage of homeownership and investment. Whether you’re purchasing, refinancing, investing, or leveraging equity, our team provides guidance and loan options tailored to your goals.
Loan Products & Financing Solutions
Conventional Loans
Conventional loans are one of the most common mortgage options for homebuyers and homeowners with strong credit profiles. These loans are not insured by a government agency and offer competitive interest rates and flexible term options.
Key Benefits
• Competitive interest rates
• Multiple term options available
• Suitable for primary residences, second homes, and investment properties
Ideal Borrowers
• Buyers with steady income and good credit
• Homeowners looking to refinance
• Investors purchasing non-owner-occupied properties
Important Considerations
• Private mortgage insurance may be required with lower down payments
• Credit and income requirements vary by program
FHA Loans
FHA loans are insured by the Federal Housing Administration and are designed to make homeownership more accessible, particularly for first-time buyers or those with limited savings or credit history.
Key Benefits
• Low down payment options
• Flexible credit requirements
• Competitive interest rates
Ideal Borrowers
• First-time homebuyers
• Buyers with moderate credit scores
• Borrowers with limited down payment funds
Important Considerations
• Mortgage insurance premiums are required
• Loan limits apply by county
VA Loans
VA loans are a benefit available to eligible veterans, active-duty service members, and surviving spouses. These loans are backed by the U.S. Department of Veterans Affairs and offer exceptional financing terms.
Key Benefits
• No down payment required for qualified borrowers
• No private mortgage insurance
• Competitive interest rates
Ideal Borrowers
• Veterans and active-duty military members
• Eligible surviving spouses
Important Considerations
• Certificate of Eligibility required
• Property must meet VA occupancy standards
Reverse Mortgages
Reverse mortgages allow homeowners aged 62 and older to convert a portion of their home equity into cash while continuing to live in their home. Repayment is typically deferred until the home is sold or no longer used as the primary residence.
Key Benefits
• No required monthly mortgage payments
• Multiple payout options available
• Helps supplement retirement income
Ideal Borrowers
• Retirees seeking additional cash flow
• Homeowners planning to age in place
Important Considerations
• Borrowers must maintain property taxes, insurance, and home condition
• Counseling is required prior to loan approval
• Loan balance increases over time
Commercial Loans
Commercial loans provide financing for income-producing properties, including office buildings, retail centers, multifamily properties, and mixed-use developments.
Key Benefits
• Customized loan structures
• Financing for owner-occupied and investment properties
• Portfolio and SBA options available
Ideal Borrowers
• Business owners
• Real estate investors
• Developers and property owners
Important Considerations
• Larger down payments typically required
• Financial documentation is more extensive than residential loans
Hard Money Loans
Hard money loans are short-term, asset-based financing solutions commonly used by real estate investors. Approval is primarily based on property value and exit strategy rather than traditional credit standards.
Key Benefits
• Fast approval and funding
• Flexible underwriting guidelines
• Useful for fix-and-flip and time-sensitive transactions
Ideal Borrowers
• Real estate investors
• Buyers purchasing distressed or non-traditional properties
Important Considerations
• Higher interest rates and fees
• Shorter loan terms
• Clear exit strategy required
Why Choose Us?
Why Our Loans Are Different
Competitive Loan Terms & Pricing
In-House Servicing & Personalized Support
Proven Industry Experience
Competitive Loan Terms & Transparent Pricing
We offer attractive financing with clear terms, no hidden fees, and a commitment to transparency. At Group Capital Mortgage, we make real estate lending simple and reliable so you can focus on your projects with confidence.
In-House Servicing & Personalized Support
Our dedicated draw and servicing teams ensure fast turnarounds and responsive support. We provide tailored solutions with a personal touch, helping every borrower navigate the process smoothly from start to finish.
Proven Industry Experience
Founded over 26 years ago, Group Capital Mortgage brings deep expertise in residential development. Our investor-first approach ensures your lending experience is backed by real-world knowledge and a focus on results.
Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!
Licensed by the California Department of Real Estate
DRE License #01328846 | NMLS #345541