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 a local mortgage broker, Steve understands the unique needs of Modesto residents. With years of experience and a passion for helping clients achieve their homeownership goals, Steve offers personalized, community-focused services. Here's why you should trust First Capital Mortgage Inc.:

• Personalized Service: Steve takes the time to understand your financial goals and helps you find the best mortgage solution tailored to your needs.

• Local Expertise: With deep roots in Modesto, Steve knows the local market and can guide you through the nuances of buying or refinancing a home here.

• Transparent Advice: No hidden fees, no confusing jargon. We break down the mortgage process and give you clear, honest advice.

• Fast, Reliable Service: We know time is of the essence. Steve works quickly to help you close your loan on time with minimal hassle.

• Customer-Centric Approach: At First Capital Mortgage Inc., your satisfaction is our top priority. We strive to make the home financing process as smooth and stress-free as possible.

Steve’s Latest Blogs for Modesto Homeowners

Stay up-to-date with the latest mortgage trends, tips, and advice by reading Steve's latest blogs. Here are three of our recent posts designed to help Modesto homeowners navigate the mortgage market:

1. Back to School, Back to Budgeting: Managing Mortgage Payments Effectively
   Learn how to manage your mortgage payments during the back-to-school season and keep your finances on track amidst rising expenses.

2. Central California's 2025 Housing Market: Why Now's the Time to Buy with Confidence
   Buying a home in 2025 doesn't have to be scary. Central California offers affordability, growing inventory, and stable rates near 6.5%. From Sacramento to Merced County, discover why now is the perfect time to buy with confidence.

3. Interest Rates, Housing Inventory & Jobs - Central Valley Real Estate Outlook 2025
   Interest Rates, Housing Inventory & Jobs - Central Valley Real Estate Outlook 2025 How they affect our business and buyers.  What to expect: lower rates for homes and a steady job market with increasing wages. Don't believe everything the news is telling us. First off, interest rates are lower and going down in the United States..

Loan Options We Offer in Modesto, CA

At First Capital Mortgage Inc., we offer a wide variety of mortgage solutions to meet your needs. Here are 5 loan options we provide:

1. Reverse Mortgage
   A reverse mortgage allows homeowners age 62 or older to convert part of the equity in their home into tax-free income. It's a great option for seniors who want to supplement their retirement savings or cover healthcare expenses without selling their homes.

1. Adjustable-Rate Mortgages (ARMs) – Start with a lower interest rate that adjusts over time. This option can be ideal if you plan to stay in your home for a few years before refinancing or selling.

1. FHA Loans – Perfect for first-time homebuyers or those with less-than-perfect credit. FHA loans offer lower down payment options and flexible qualification criteria.

1. VA Loans – Exclusively available to veterans and active-duty service members, VA loans offer competitive rates, zero down payments, and no private mortgage insurance (PMI).

2. Refinance – If you’re purchasing a high-value home, a jumbo loan can provide the funds you need to finance properties that exceed conventional loan limits.

Why Steve Is Proud to Serve Modesto, CA

Steve's commitment to the Modesto community goes beyond providing mortgages. Here are just a few reasons why Steve is proud to serve Modesto residents:

• A Local's Insight: Steve's deep understanding of the Modesto housing market ensures that you're getting the most relevant advice for your home purchase or refinancing.

• Commitment to Helping Families: Modesto is home to many hardworking families, and Steve is dedicated to making the dream of homeownership a reality for each one.

• Customer-Focused Service: With Steve's guidance, clients enjoy a more personal and dedicated mortgage process. He's always available to answer your questions and address your concerns.

• Community Involvement: As a member of the Modesto community, Steve is passionate about contributing to local causes and helping others achieve financial stability through homeownership.

• Experienced Leadership: Steve has years of experience in the mortgage industry and a proven track record of helping clients secure the best loan options for their needs.

Get Started Today!

Whether you’re buying your first home, refinancing, or just exploring your options, Steve and First Capital Mortgage Inc. are here to help you every step of the way. Contact us today to learn more about our mortgage services in Modesto, CA.