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What type of loan is right for me?

......the question you may be asking your self.
With so many mortgage loans out there, it can take time to sift through the fine points and find the one that's right for you. Why so many choices? There's no one loan that works for everyone. Each type of mortgage is unique, it's up to you to decide and we will also advice you on which one is best for your situation.

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Our Loan Programs

FHA Loan:

Federal Housing Administration (FHA) and Department of Veterans Affairs (VA) loans are popular homebuyer choices. These loans are provided by the federal government and must meet certain requirements.

  • Low downpayment options
  • Available for a variety of loan terms
  • Typically requires mortgage insurance

VA Loan:

Designed to offer long-term financing to American veterans, VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice. It is generally easier to qualify for a VA loan than conventional loans.

  • Financing for eligible service members
  • No-Down-Payment options available
  • No mortgage insurance requirement

USDA Rural Housing loans:

These used to be called RHA loans, for the Rural Housing Administration. The program is overseen by the United States Department of Agriculture, or USDA. This type of mortgage loan is reserved for people who live in certain parts of the country. There are income restrictions as well. They are sometimes referred to as "farmer loans," due to the geographical and demographic nature of the program. But you certainly don't have to be a farmer to qualify. The program is designed for low-income residents of rural areas.

New Construction Loan ->

Jumbo Product:

· For higher amount

· Financial for primary homes

· Second homes and investment properties

Reverse Mortgages:

  • For borrowers 62 year and older
  • Qualifying is base on down payment on the property, not credit or income
  • Homeowner buys a home and will not have a mortgage payment

...Know Us More

Who We Are

Capital City Mortgage is a mortgage brokerage company based in Austin, Texas.
We have partnered with the biggest and the best financial institutions to achieve this goal. With access to over 50 investors/financial institutions, we are able to provide our borrowers with the best interest rates available in the market.

What We Do

We provide both Residential and Commercial lending service to our clients. Our goal is to provide our borrowers with sufficient and timely information to make the best borrowing decisions.

Contact Us

NMLS ID: 390864

Capital City Mortgage

12731 Research Blvd, Bldg A, Suite #100, Austin, TX 78759

Email: Phone: (512) 535 - 5193


Monday - Friday: 9am - 5pm

Saturday: By appointment

Sunday: Closed