WHICH LOAN SUITS YOU
At CapLend, we know every homebuyer’s journey is unique. Whether you’re a first-time buyer, renovating, or ready to invest in your next property, we offer tailored loan solutions to help you achieve your goals — no matter your credit score, income, or stage of life.
Conventional Loan
Ideal if you have strong credit (680+) and a solid down payment.
- Competitive rates
- No PMI with 20% down
- Backed by Fannie Mae & Freddie Mac standards
Ask us how to structure a smart investment.
FHA Loan
If your credit score is 580 or higher, an FHA loan could be the perfect fit. Even with lower credit, you may still qualify with 10% down.
- Minimum credit score: 580 (or 500 with 10% down)
- Lower credit? Submit proof of on-time rent and utility payments.
- Perfect for first-time buyers with limited credit history.
Let’s talk about getting you approved.
Fannie Mae HomeStyle® Loan
Perfect for investment properties and second homes. No need to live in the property being renovated.
- Finance upgrades without a second mortgage
- Approved for luxury and value-adding improvements
Build equity while building your dream home.
USDA Loan
Buy a home in a USDA-eligible rural area with 0% down.
- Low to moderate income requirements
- No down payment
- Can be used for home improvements
Perfect for growing families and quiet living.
VA Loan
Designed for veterans, active-duty service members, and eligible spouses.
- 100% financing with certificate of eligibility
- No mortgage insurance
- Backed by the U.S. Department of Veterans Affairs
Thank you for your service. Let us serve you.
ARM (Adjustable-Rate Mortgage)
Get a low introductory interest rate for the first 5, 7, or 10 years — ideal for short-term ownership.
- Lower initial payments
- Great if you plan to move within 5–10 years
- Options like 5/1, 7/1, or 10/1 ARMs
Lock in a lower rate — at least for now.
Ready to Get Started?
Let one of our licensed loan originators help you compare options and find the loan that’s best for your unique situation. Call us at 717-695-0875