First Capital Lending Corporation originated its first loan in 1993. They began in South West Florida as an originator of first and second mortgages and today offer most available mortgage programs. They use electronic underwriting for the most effective and rapid mortgage application and approval process. Ray Floyd is the President and Owner of First Capital Lending. He is involved in the community and tries to keep ahead of the trends and technology in the mortgage business. First Capital Lending has a crack team of mortgage professionals working for their clients. They require extensive training and continuing education to keep their employees abreast of the latest developments and regulations in the mortgage industry. Their training also stresses the significance of customer satisfaction and its bearing on return business and referrals. First Capital Lending is aware that the circumstances of each loan are distinctive and require a personal, professional touch. With all their loans processed locally, the customer can be assured that the loan consultant is aware of the peculiarities of the neighborhoods and can offer a funding option to meet any criteria.
First Capital Lending knows that buying a home is both challenging and rewarding. They would like to review the customer’s individual circumstances in order to make an informed recommendation as to which funding option would be most beneficial to the customer. Here are some of the over 100 mortgage lending programs they may present:
Loans Funded by First Capital Lending
- FHA Loans
- VA Loans
- Conforming Loans (FannieMae/ FreddieMac)
- No Income Verification Option Loans
- Slow Credit
- Zero Down Programs
- Refinancing Options
- Debt Consolidation
- Home Equity Loans
Most of the mortgage products offered by First Capital Lending are available on single family residences, condos, manufactured homes, multi unit dwellings and small commercial units. The real estate must be in the state of Florida. Applications submitted through First Capital’s electric underwriting system usually receive an answer within hours. Credit history and income are used to determine the interest rate and loan amount for which the borrower qualifies. Applications are accepted by phone or online and First Capital’s website includes some handy calculators so the borrower can evaluate his situation prior to application. The included mortgage glossary will help with some of the more obscure financial lingo. First Capital Lending Corp does not charge an application fee.
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This site is not a broker and does not collect or solicit mortgage applications. Content is for informational or comparison purposes only. Services are not available in New York. Products and services may not be available in all other states.