Loan Programs for Every California Buyer.

One application, 25+ wholesale lenders competing for your loan. From a first home in the Central Valley to an investment portfolio across California, we match the program to your life, not the other way around.

Call (209) 522-7100
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Tailored Lending
  • 01 / Loan Programs

Home Purchase Loans

Conventional, FHA, VA, USDA, and jumbo, plus first-time buyer programs and CalHFA down payment assistance. Pre-approval in about 15 minutes; most purchases close in under 30 days.

Services:
  • First-Time Buyer Programs

  • CalHFA Down Payment Assistance

  • 15-Minute Pre-Approval

  • Zero-Down VA & USDA Options

Refinance & Cash-Out

Lower your rate, drop PMI, shorten your term, or turn equity into cash. We calculate your break-even up front. If it doesn’t clearly help you, we’ll say so.

Services:
  • Rate & Term Refinance

  • Cash-Out Refinance

  • PMI Removal

  • Break-Even Analysis Up Front

Debt Consolidation

Consolidate high-interest credit cards and loans using your home’s equity: one lower payment and real monthly savings. We map the numbers together before you decide anything.

Services:
  • Credit Card Consolidation

  • HELOC & Second Mortgage Options

  • Cash-Out Comparison

  • Monthly Savings Analysis

Self-Employed & Bank Statement Loans

Qualify on your real cash flow, using bank statements or a P&L instead of tax returns. Built for business owners, contractors, realtors, and 1099 earners across California.

Services:
  • Bank Statement Loans

  • P&L-Only Programs

  • 1099 & Gig Income Welcome

  • LLC & Corporation Friendly

Investment Property & DSCR

Loans that qualify on the property’s rental income, long-term or short-term, in your name or your LLC. From a first Modesto rental to a portfolio up and down the state.

Services:
  • Qualify on Rental Income

  • Short-Term Rental Friendly

  • Close in Your LLC

  • Portfolio Scaling

Reverse Mortgages (62+)

Turn home equity into monthly income, a credit line, or a lump sum, with no monthly mortgage payment. Federally insured, with an honest fit-check for you and your family first.

Services:
  • HECM Line of Credit

  • Monthly Income Options

  • Federally Insured

  • Independent Counseling Included

Estimate Your Monthly Payment
  • 02 / Payment Estimate

Run Your Numbers

Tell us the price range and down payment you have in mind, and we’ll send back a real payment estimate (principal, interest, taxes, and insurance), usually the same day.

Start Here (15-minute application)
Call (209) 522-7100

Or email steve@firstcapitalmortgageinc.com with your price range and down payment, and we will run the numbers for you.

Get a Quote