Buying a home is a challenging but rewarding experience. There are so many things to consider when choosing the financing that is right for you. First Capital Lending can help by reviewing your individual circumstances then recommend a program that will work for you. The following are some popular mortgage options:

• FHA is a government insured loan that requires a very small down payment which can be as low as 3%. The underwriting requirements that the borrower must meet in regard to income and credit are more flexible than standard conforming programs.
• VA loans are government guaranteed and require no down payment.
• Conforming (FannieMae / FreddieMac) mortgage programs require a minimum down payment of 3-5%; loan limits are much higher and the up front cost for mortgage insurance is generally less than government programs.
• No Income Verification options are great for the self employed, however you do not need to be self employed to apply. You provide little to no documentation of income.
• Slow Credit* does not have to be an obstacle between you and your new home. We have programs that will allow past credit difficulties and the rates are competitive.

* Zero down programs exist for qualified borrowers. Call for more information.

Pre-qualify for home financing before you begin shopping for your new home. The process is easy, simply call toll free: 1-800-572-8520.

It's FREE and only takes a few minutes. Answer just a few questions, and we can provide you with a prequalification certificate that you can give to your real estate professional. First Capital Lending can answer all of your questions:

• What will my monthly payment be?
• How much money do I need?
• What is the price range I should be looking at?