Steve McNeal-Your Mortgage Planner

07/02/2026

Your home is probably one of the largest assets you'll ever own. So here's the question most homeowners never ask: what actually happens to it — and your equity — if something happens to you? 🏡

Blog #8 in my Home Wealth Blueprint series breaks down estate planning for homeowners in plain English:
✅ Wills vs. trusts — and when your home should be titled in a trust
✅ What probate really means for your family
✅ How your mortgage, refinance, and reverse mortgage options fit the bigger picture

After 40 years helping families across California, Nevada & Tennessee protect what they've built, this is one conversation I never want people to put off.

Read it here 👇

Get LOW mortgage rates in seconds. Use our online pre-approval tool or our refinance rate checker -- don't miss out on these deals!

01/30/2026

Exciting updates in the housing market! As mortgage rates ease from 7% toward 5.9%, affordability is improving without needing a higher income. For a $450K loan, that could mean saving nearly $300/month. Plus, with growing inventory and better negotiations, buyers have more leverage than ever. Waiting might seem smart, but rising prices could offset those gains—let's run the numbers for you!
Check out our latest blog for the full breakdown and why now is a leverage market for prepared buyers: https://firstcapitalmortgageinc.com/affordability-improving-rates-dropping-buyer-power-growing/
What are your thoughts on the current market? Share below or schedule a consultation today!

Affordability is improving as rates drop. See how 6% vs 7% impacts payments, why buyer power is growing, and what waiting can cost.

09/06/2025

🚨 Affordable Doesn’t Mean Easy in the Central Valley 🚨

Homes in Modesto, Turlock, Stockton, and Tracy may look “affordable” compared to the Bay Area — but with limited inventory and quick pendings (17–22 days), competition is fierce.

👀 What buyers need to know:
✅ Affordability is relative — $400K–$500K homes move FAST.
✅ Bay Area migration continues to drive up Valley prices.
✅ Homes go pending in just 2–3 weeks.
✅ Waiting for lower rates could cost you the home you want.

💡 Takeaway: Buyers who win are pre-approved, prepared, and mortgage-ready. You can always refinance later — but you can’t buy last month’s home at last month’s price.

📲 Read the full breakdown here 👉 firstcapitalmortgageinc.com/central-valley-housing-affordability

08/01/2025

🌟 Thinking about buying a home in 2025? The Central Valley is packed with opportunity!

While the news talks about a “cooling market,” the reality is homes here are affordable, inventory is up, and values remain strong. Buying now means locking in equity and building wealth for the future.

My team at First Capital Mortgage Inc. has been helping families and investors for over 30 years. We’ll help you get pre-approved fast and guide you to the best financing options for your goals.

🏡 Don’t let headlines hold you back—your dream home is waiting.
🔗 Read More Here https://firstcapitalmortgageinc.com/empower-clients-build-wealth-now-central-valley-real-estate-2025-buy-now/

07/10/2024

📢 Attention Home Buyers with Tax Liens! 📢
Got a tax lien and want to buy a home? Here’s what you need to know:
FHA Loans:
• You can still qualify if you have a valid repayment agreement and
• At least three on-time monthly payments on your IRS-approved installment plan.
Conventional Loans:
• You may qualify if you have a valid repayment agreement and
• At least one payment made is required on your IRS-approved installment plan.
Don’t let a tax lien hold you back from your dream home. Reach out for more details, and let’s make it happen!
Visit us at First Capital Mortgage Inc.: https://firstcapitalmortgageinc.com/team-member/steve-mcneal/

Get LOW mortgage rates in seconds. Use our online pre-approval tool or our refinance rate checker -- don't miss out on these deals!

12/06/2023

Looking to put your equity to work? Real Estate is still the answer.

🏡💰 Unlock Real Estate Potential: Did you know your home equity can be a key to real estate investments? 🚀 Explore opportunities by leveraging your hom

04/30/2023

Attention real estate partners! When you work with us, we'll help make sure your past clients are clients for life! Our technology monitors when they start shopping for a new home and keeps you in the loop. Call me today so we can work together. 209-522-7100
Steve McNeal
First Capital Mortgage INC.

04/29/2023

Looking for a new career where going the extra mile will get you far? Learn about the freedom, flexibility and financial success you’ll find as a valued member of our team. Reach out now!
209-522-7100
Steve McNeal
First Capital Mortgage INC.

04/28/2023

If you’ve been saving and are finally ready to move out on your own, give us a call and let’s get you preapproved for your dream home!
Steve McNeal
First Capital Mortgage INC.
209-522-7100

04/26/2023

Real estate agents — qualify more of your buyers with 100% gift fund programs! Give them the option of using gift funds for their entire down payment. Call today to learn more. 209-522-7100

Steve McNeal
First Capital Mortgage Inc.