Capstone Mortgage Group Inc

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United States
Merced, CA
Capstone Mortgage Group Inc

Mortgage Broker Here, we know how important it is for our clients to trust the advice they receive from us.

Capstone Mortgage Group prides itself as a full-service mortgage broker that can handle the entire loan process – expertly, reliably, and efficiently. We are a licensed and regulated business whose competence cuts across residential and commercial properties. Set out with a core mission: the way we serve must be good for our clients, our employees, and equally for our community. We will be with you all through, with the reassurance of professional advice and ongoing support. Access to an extensive catalog of lenders and loan options that will suit your unique needs is at our disposal. Our mortgage package includes FHA Residential Loans, VA Home Loans, USDA Home Loans, Conventional Home Loans, Jumbo Home Loans, Non-QM Home Loans, Second Mortgages, Down Payment Assistance Programs, and HECM Loans (Reverse Mortgages). Whichever direction you want to go, we will assess your need and offer the best, affordable alternatives considering the loan products, interest rates, and repayment amounts. We support you throughout the journey and handle all loan processing, such as loan applications, ordering credit reports, title reports, and appraisals. Leave all the heavy lifting to us: we will do all the leg work, so you don't have to. We have been in the mortgage industry for over two decades, during which time we have continually optimized our offerings to deliver elevated results unrivaled by our peers. Our strength is in the collective wealth of experience and information that enables us to provide you with informed advice. Our experts have highly researched knowledge of the areas we serve and current market trends. They'll make complicated easy and give you objective advice need to make the correct financial decisions with your money. Having devoted specialists takes away the need for the people to manage it and blesses them with peace of mind knowing our laser-sharp focus. Being a veteran-owned business, we are particularly welcoming to serve veterans to celebrate their selflessness and honor. We endear to help them attain their property ownership dreams.

10/16/2026

Ever looked at your mortgage payment and wondered why it’s higher than you expected? 🏡

You’re not alone. A lot of homeowners never get a clear answer.

Part of that payment often goes toward your property taxes and homeowners insurance, not just your loan. It’s called escrow, and it can actually make your life easier. 💡

Same home, same loan, but your payment can still shift a little from year to year.

If you’re buying or already own, let’s go through your payment line by line. I’ll show you exactly where every dollar goes, so nothing catches you off guard. 📊

Every loan is different, so it’s worth knowing how yours is built.

📞 Call or text me: 209-631-1950
📩 Or send us a message

Follow Capstone Mortgage Group Inc for straightforward mortgage advice, home-buying tips, and strategies to help you buy with confidence.

10/15/2026

🏡 First-time homebuyers, before you assume you need a massive down payment, read this.

One of the biggest mistakes we see buyers make is waiting YEARS to purchase because they think they need to save tens of thousands of dollars first.

Meanwhile, there may be programs designed to help with some of the biggest upfront costs of buying a home.

Depending on where you live, your income, credit, loan type, and the property you are purchasing, you may be able to qualify for:

💰 Down payment assistance. Some programs can help cover part, or potentially all, of the down payment required for your loan.

🔑 Closing cost assistance. Certain programs, grants, lender credits, or seller concessions may help reduce the amount you need to bring to closing.

🏠 Low down payment loan options. FHA can allow as little as 3.5% down for qualifying borrowers, while some conventional programs can go as low as 3%. Eligible VA and USDA borrowers may even have 0% down options.

📍 State and local homebuyer programs. Many assistance programs are specific to your state, county, city, profession, or income level, which is exactly why Googling “how much do I need to buy a house?” does not always give you the full picture.

And here is something a lot of people do not realize:

👉 “First-time homebuyer” does not always mean you have never owned a home before. Some programs consider you a first-time buyer if you have not owned a principal residence within the past 3 years.

The catch? These programs are not one-size-fits-all. Some assistance is a grant, while other programs may be a second mortgage, forgivable loan, or deferred loan that has to be repaid under certain circumstances.

That is why you want to know what you actually qualify for before deciding you cannot afford to buy.

You may be closer than you think.

📲 Comment “HOME” and we will help you figure out what programs and loan options may be available to you.

Program availability and eligibility vary. Not all borrowers or properties will qualify. This is for educational purposes and is not a commitment to lend.

10/15/2026

💡 Save smarter, not harder.

You do not always need 20% down to buy your first home. In fact, most buyers do not.

Here are a few ways to reach your down payment faster:

🏡 Down payment assistance. California has programs that can help cover part of your down payment or closing costs, so you need less of your own cash up front.

💰 High-yield savings. Keep your down payment savings in a high-yield account so your money grows while you wait.

📉 Low down payment loans. Many buyers qualify with as little as 3 to 5% down, and VA or USDA options can go as low as zero for those who qualify.

The right path depends on your situation. That is what we are here to help you figure out.

📩 Thinking about buying? Send us a message and let’s build a plan that fits you.

📲 Follow Capstone Mortgage Group Inc for practical mortgage tips and smarter home buying advice.

10/14/2026

Waiting for 3% rates to come back before you buy? 🏡

A lot of people are. But nobody knows when, or if, that’s going to happen.

And while you wait, rent keeps going out every month without building anything for you. 💡

Same goal, same income, very different outcome depending on when you start.

Before you decide to keep waiting, let’s look at your real numbers together. I’ll show you what price range, payment and loan options you may qualify for, so you can decide based on facts, not guesses. 📊

Every situation is different, so your numbers should guide the decision.

📩 DM us “BUY” to get started
📞 Or call or text me: 209-349-1145

Follow Capstone Mortgage Group Inc for more tips before you buy.

10/13/2026

Most homeowners don’t realize how much a few extra payments can change the life of a mortgage.

Your scheduled payments are based on a 30-year timeline, but you can sometimes shorten that timeline by putting extra money toward the principal.

The important part is making sure that extra payment is actually applied to principal. Otherwise, you may simply be paying ahead on your next monthly payment instead of reducing the balance the way you intended.

After you make an extra payment, check your statement. You should be able to see that your principal balance actually went down.

Small moves can make a bigger difference over time, especially when you stay consistent.

Have a tough deal you are unsure about? DM us “CAPSTONE” before you say no to it.

10/12/2026

Things we don’t care about as your mortgage broker… (and never will) 👇

We don’t care if you ask 47 questions.
We don’t care if you need us to explain it twice.
We don’t care if your timeline changes.
We don’t care if you decide to wait.

What we do care about?
That you understand your numbers.
That you feel confident in your monthly payment.
And that when you buy, you buy smart - not rushed.

Too many buyers stay on the sidelines because they think they need to have it all figured out first.

You don’t.

If you’re even thinking about buying in the next 6-18 months, we can start the conversation now and move at your pace. 🏡

DM us READY when you want clarity without pressure.

10/12/2026

Most first-time buyers think the hardest part is saving for the down payment. 🏡

But there may be help out there you’ve never heard of.

Many down payment assistance programs ask you to complete a short homebuyer class first. Skip it, and you could miss out on money toward your home. 💡

Same buyer, same budget, very different starting point.

Before you start shopping, let’s go over which programs you may qualify for. I’ll send you the list and show you exactly what steps to take first. 📊

Every buyer is different, so the right program depends on your situation.

📞 Call or text me: 209-631-1950
📩 Or send us a message

Follow Capstone Mortgage Group Inc for more tips before you buy.

10/10/2026

Be our guest 💁🏻‍♂️🤖😁

10/09/2026

Just bought a home in California? Keep an eye on your mailbox. 📬

A few months after closing, a lot of buyers get a property tax bill they weren’t expecting, and it’s not covered by their mortgage payment.

It’s not a mistake. It’s the county catching up to your new purchase price. 💡

The buyers who don’t stress about it are the ones who knew it was coming and set a little aside.

Before you close, let’s go over what your first year of taxes could actually look like. I’ll also make sure you know about the homeowner’s exemption so you don’t leave savings on the table. 🏡

Every home is different, so it’s worth knowing your numbers ahead of time.

📞 Call or text me: 209-761-8821
📩 Or send us a message

Follow Capstone Mortgage Group Inc for more tips before you buy.

10/09/2026

Waiting for 3% rates?…
You might be waiting for the wrong thing.

Mortgage rates have NEVER stayed in one “normal” range. They’ve been 14%+, 10%+, under 4% and everything in between.

The better question isn’t “When will rates drop?”
It’s “Does buying make sense for me at today’s numbers?” 🏡

Because your rate is only one piece of the puzzle.
Price, payment, cash to close, loan program and your long-term goals all matter.

Want to know what buying could look like for YOU at today’s rates? DM us “NUMBERS” and we’ll run the numbers with you.

Address

2803 G Street
Merced, CA
95340

Website

http://capstonemortgage.net/

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