ABOUT US

We know that each customer has specific needs, so here at RateCapital, we strive to meet those specific needs with quality service and individual attention. We pride ourselves in giving you the mortgage information, loan options and convenient assistance you're looking for.

With a variety of loan programs and an established network of lenders behind us, we will find the loan that best suits your needs, at a very competitive rate.  Let RateCapital guide you through the home buying or refinancing process, and provide you with the best service available.

Here are just some of the types of loan options you will find at RateCapital:

• Conventional, Full Documentation Loans (Standard Fannie Mae and Freddie Mac Loans)
• Conforming, Jumbo and Super Jumbo Loans
• Combination loans to avoid private mortgage insurance (commonly referred to as 80/10/10 or 80/15/5 loans)
• Stated Income loans and No Income Verification Loans
• NINA or No Income No Asset Loans
• Second Homes and Investor Loans
• Multiple Family Loans (2 unit, 3 unit, 4 unit loans)
• Condominium Loans (including non-warrantable condos)
• Construction to Permanent Loans
• Renovation and Rehabilitation Loans
• 100%, 103%, 107%, and 110% Financing
• Interest Only Loans
• 40 Year Amortization Loans
• Home Equity Loans or Fixed Rate 2nd Trusts
• Cash-out Refinance Loans

In addition to our extensive portfolio of mortgage programs, RateCapital offers numerous interest rate options. Choose from a 30 year fixed, 20 year fixed or 15 year fixed rate. You can also ask us about our wide variety of Adjustable Rate Mortgage (ARM) products. Choose from a 10 year, 7 year, 5 year, 3 year or 1 year ARM. In addition, RateCapital can provide a wide variety of ARM’s based on various indexes, including the LIBOR Index (London Interbank Offered Rate), MTA Index (Monthly Treasury Average), and COFI Index (Cost of Funds Index). For the more sophisticated borrower, RateCapital has several monthly or bi-annual (6 month LIBOR ARM) ARMS which provide flexible payment options to choose from. For those looking to minimize their monthly payments dramatically, you may also choose from many “Interest Only” fixed and adjustable rate mortgages.

RateCapital has mastered the mortgage business. We invest heavily in good people, technology and partnerships. We rely on referral business and work extensively with the real estate community. Whether you need a recommendation for a local appraiser, real estate agent, or simply want to review the financial impact of a home financing idea of yours, we are always here to help you. Thank you for visiting our website, and we look forward to providing your next mortgage.