HOME OF THE  FHA EXPERTS

Welcome to the www.fhaistheway.com.  We would like to Thank You in advance for stopping by.

You want to get great rates, products and service.  That is what we WILL deliver.

THIS MAY BE YOUR ANSWER TO THOSE HIGH COST MORTGAGES AND UNFAIR PREPAYMENT PENALTIES!

This is the time to say NO to unethical Mortgage Professionals and take the power into your own hands

We focus on delivering the best deal for our clients EVERY time!

We, at Capital Financial Mortgage Corp, work as both Bankers and Brokers; this is what enables us to find the best deal for you, my clients.

Our main focus in on RESIDENTIAL FINANCING

Our specialties are:

Purchase transactions

• 97% purchase financing is still available and at great rates
• The down payment of 3% can come from any source, it does not have to be a close family member.
• No reserves needed.  You would normally need 3-6 month of payments in the bank.
• Poor Credit- We will do our best to realize your dreams and get you into the house you deserve.  This is the MAIN focus of FHA programs. 
• First time home borrowers are welcome- We have special programs just for you.  We will do our best to educate you about the pitfalls that you may encounter and coach you to avoid them.
• Reduced PMI for all borrowers over 80% loan to value.

Refinance transactions

• Cash out refinance- Use the equity in your home to 95% of the value. (pay off debt or do the remodeling that you been dreaming of)
• Rate and Term refinance- We would only entertain this idea if we can beat the loan you have now.  Call us for a free program exam.
• Get out of the Adjustable rate mortgage that has been keeping you up all night!  Mortgage late payments may be thrown out if made after the readjustment period.

Getting the transaction done quickly and efficiently

• Our first goal is to get you a Conventional Mortgage.  These offer the best rates and terms.  If that is not possible, we can look into FHA.  FHA offers great rates and terms to clients with lower credit scores.  This is made available by the government and is replacing the old Sub Prime market.
• We have an incredible loan processing staff and they work with tremendous efficiency to close your loan in the proper time frame.
• We are very technology oriented as a company.  Our goal is to use as little paper in the process as possible.  We have systems in place that use E-Signatures and E-Faxes.  That makes the process so much easier on all ends and helps the environment all at the same time.  It's a WIN-WIN!

Our branch is located in Folsom PA.  Most of our loans come from our clients who live in Montgomery, Philadelphia, Bucks, Delaware and Chester Counties. 

We are also licensed in NJ, DE, MD, VA and FL.  We are currently working on licensing for more state coverage.  Please contact us if you need financing in another state and we will see what we can do to get licensed there.

 ***All loans are based on a case by case basis.  Rates and terms depend on several factors.  Those factors are Credit Score, Debt to Income ratio, Loan to Value, Income, Employment etc.  Please call us at any time to Pre-Qualify for a loan.