How Kids Are Helped by Homeownership: 9% Higher Grades, 0% Down Published October 30, 2025 Imagine your child scoring 9% higher in math and reading – just because you own your home. At First Capital Mortgage Inc., we’ve helped thousands of parents discover: kids helped by homeownership outperform renters in school, behavior, and future wealth. […]
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, […]
Buyers waiting for a “perfect rate” may pay more later. This guide shows agents how to move hesitant clients into action—using current data, clear scripts, and proven strategies—so they lock value before competition returns.
Mortgage Rates and Affordability 2025: Act with Confidence Updated October 2025 · First Capital Mortgage Inc. This refresh brings together our recent posts on mortgage rates and affordability 2025 and shows buyers and agents exactly how to win now – no guesswork, just a clear plan. Readiness wins: full pre-approval, program flexibility, speed, and local […]
Mortgage Process for First-Time Homebuyers Buying your first home is one of the most exciting – and sometimes overwhelming – financial steps you’ll ever take. Understanding the mortgage process makes everything easier, smoother, and more predictable. At First Capital Mortgage Inc., we guide you through each stage with clear communication, strategic planning, and personalized support […]
Mortgage Rates Update – Week of Oct 3, 2025 Powered by First Capital Mortgage Inc. • Serving California & Tennessee In this mortgage rates update, we break down weaker job growth, government shutdown risks to loan timelines, and bond strength that could open a path to lower rates – plus clear steps to be lock-ready. […]
Why Buyers Are Choosing to Buy a Home in 2025 If you’re considering whether to buy a home in 2025, history shows it’s still one of the smartest wealth-building moves you can make. Home values have risen in 77 of the last 83 years, and today’s conditions – lower rates, more inventory, and more flexible […]
Fed Rate Cut Mortgage Rates 2025: What It Means Fed Rate Cut Mortgage Rates 2025: What It Means for You The Fed rate cut mortgage rates 2025 outlook is coming into focus. Markets remain cautious, so mortgage rates can be sticky and volatile even as the Fed eases policy. Below is a clear plan for […]