Mortgage Rate Strategy 2025: How Real Estate Agents Can Win More Buyers Right Now Abstract: In this post, we cover two of the highest-impact topics for real estate agents in the last quarter of 2025. First, we’ll explain the real mortgage rate strategy you can use with buyers – based on live, […]
Debunking Media Fear-Mongering: Real Estate, Jobs, and Reclaiming Happiness | Steve McNeal Mortgage First Capital Mortgage Inc. – Truth in Home Loans Empowering Tennesseans with Fact-Based Homeownership | Steve McNeal, NMLS #XXXXX Debunking Media Fear-Mongering: Real Estate, Jobs, and the Assault on American Happiness Published: November 14, 2025 | By Steve McNeal | 5-Min Read […]
Trump’s proposed 50-year mortgage has dominated the headlines and confused first-time buyers. On the surface, it looks like a simple way to shrink the payment. But when you dig into the math, the long-term cost, and how slowly equity builds, a very different picture appears. In this article, I walk through the numbers and show you smarter ways to get payment relief without signing up for half a century of debt.
Welcome to First Capital Mortgage Inc., where we provide personalized mortgage solutions to the Modesto, CA community. Whether you’re a first-time homebuyer, looking to refinance, or exploring other mortgage options, Steve and our dedicated team are here to guide you through every step of the process. Why Choose First Capital Mortgage Inc. in Modesto? As […]
Buying your first home is an exciting milestone – and also one of the most important financial decisions you’ll make. At First Capital Mortgage Inc., Steve McNeal and our experienced team specialize in helping first time home buyers in Modesto, CA navigate the mortgage process with confidence and ease. Whether you’re looking to understand loan […]
Buying a home, refinancing, or accessing home equity in Gustine, CA has never been easier with Steve McNeal and First Capital Mortgage Inc.. With over 30 years of experience, Steve helps Gustine homeowners navigate the mortgage process with confidence, offering personalized guidance and solutions tailored to your financial goals. Whether you are a first-time home […]
How Homeownership Boosts Kids’ Success: 9% Higher Grades and 0% Down Options Published October 30, 2025 • By First Capital Mortgage Inc. Imagine your child scoring 9% higher in math and reading – just because you own your home. Studies show the benefits of homeownership for children go far beyond financial security. At First Capital […]
100% Financing Options: Your Path to Homeownership with Zero Down Payment Published on October 29, 2025 Are you dreaming of owning a home but worried about saving for a down payment? At First Capital Mortgage Inc., we specialize in 100% financing options that make homeownership possible without a penny down. These programs are perfect for […]
Strike Rate – Is the Time Right to Purchase or Refinance My Home? Mortgage rates are moving again, and many homeowners are asking: “When does refinancing or buying truly make sense?” The answer is finding your personal strike rate – the rate where acting now saves you money and supports your long-term goals. What Is […]
Why Acting Now Can Save First-Time Buyers Thousands Thinking about buying your first home but waiting for rates to drop? Here’s why getting started now – while prices are still climbing slowly and competition is lighter – can actually save you money. What’s Happening Right Now Mortgage rates have dipped a little in recent weeks, […]