Mortgage Services in Gustine, CA – Steve McNeal
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 buyer, a self-employed borrower, or a homeowner seeking refinancing or home equity options, our team is here to provide expert advice and support every step of the way.
Our Mortgage Services in Gustine, CA
First Time Home Buyer Loans
Purchasing your first home can be overwhelming. Steve McNeal specializes in helping first-time home buyers in Gustine understand their loan options, including:
- FHA Loans: Low down payment and flexible credit requirements.
- VA Loans: Zero down payment options for eligible veterans.
- USDA Loans: Affordable financing for rural properties.
- Conventional Loans: Competitive rates for buyers with strong credit.
We also guide first-time buyers through down payment assistance programs, pre-approval, and the entire loan process to make homeownership attainable.
Self-Employed Loans
Self-employed borrowers often face unique challenges when qualifying for a mortgage. Steve offers specialized solutions for self-employed loans in Gustine, including:
- Bank Statement Loans: Qualify using bank statements instead of traditional W-2s.
- Portfolio Loans: Flexible underwriting for nontraditional income sources.
- FHA & Conventional Options: Tailored to meet the needs of self-employed borrowers.
We help self-employed clients document income properly and find the right loan product for their unique financial situation.
Refinancing
Refinancing is an excellent way to take advantage of lower interest rates, reduce monthly payments, or adjust your loan term. Steve McNeal offers:
- Rate-and-Term Refinancing: Lower your interest rate or change your loan term.
- Cash-Out Refinancing: Access equity for home improvements, debt consolidation, or other financial needs.
- Streamline Refinancing: Quick and simple refinancing for existing FHA, VA, or USDA loans.
Home Equity Loans & HELOCs
Homeowners can leverage their equity for cash while keeping their current mortgage in place. Services include:
- Fixed-Rate Home Equity Loans: Lump-sum funds with predictable payments.
- Home Equity Lines of Credit (HELOCs): Revolving credit lines for flexible access.
- Jumbo Home Equity Loans: Large loan amounts for higher-value properties.
Jumbo Loans
For high-value homes in Gustine, Steve offers jumbo loans that exceed conventional loan limits. These loans allow buyers to finance luxury or investment properties while maintaining competitive rates and terms.
Reverse Mortgages
For homeowners 62 and older, reverse mortgages provide a way to convert home equity into cash while remaining in your home. Steve guides clients through eligibility, loan options, and repayment details.
Why Choose Steve McNeal in Gustine, CA
- Local Expertise: Deep understanding of Gustine's real estate market and lender requirements.
- Personalized Service: Mortgage solutions tailored to your unique financial situation.
- Comprehensive Loan Options: FHA, VA, USDA, conventional, jumbo, reverse mortgages, and home equity loans.
- Trusted Experience: Over 30 years helping homeowners in Gustine, Modesto, Stockton, and surrounding areas.
Ready to Get Started?
If you're in Gustine, CA, and ready to explore mortgage options, contact Steve McNeal at First Capital Mortgage Inc. today. Our team will help you achieve your homeownership, refinancing, or home equity goals with confidence.
Contact Information:
- Email: steve@firstcapitalmortgageinc.com
- Phone: (209) 522‑7100