A construction loan through Capital Consulting Finance provides short-term funding for building or renovating a home. Funds are released in stages as construction progresses, with interest-only payments during the build. Once completed, the loan can be refinanced or converted into long-term financing, offering a smooth transition to a permanent mortgage.
A lot loan through Capital Consulting Finance provides financing for the purchase of vacant land intended for future residential construction. This loan option allows buyers to secure the land now while planning or preparing for a build later. Flexible terms and competitive rates make lot loans a strategic first step toward creating a custom home.
The One-Time Close (3-in-1) Construction Loan through Capital Consulting Finance combines the construction loan, permanent mortgage, and closing costs into a single loan and one closing. This streamlined financing option simplifies the building process, locks in financing upfront, and allows borrowers to move seamlessly from construction to permanent homeownership without the need for multiple closings.
The 1% Down Payment Program through Capital Consulting Finance offers qualified homebuyers an affordable path to homeownership with a minimal upfront investment. Buyers contribute just 1% down, while an additional lender contribution helps increase the overall equity at closing. This program is designed to make purchasing a home more accessible, especially for first-time buyers seeking lower out-of-pocket costs.
A Bank Statement Loan through Capital Consulting Finance is designed for self-employed borrowers or business owners who prefer to qualify using bank statements rather than traditional tax returns. Income is assessed based on personal or business bank deposits, providing a flexible alternative for clients whose true cash flow may not be fully reflected on their tax filings.
A Fixed-Rate Mortgage through Capital Consulting Finance offers consistent interest rates and monthly payments for the life of the loan. This option provides long-term stability and predictability, making it ideal for borrowers who prefer certainty in their housing costs.
An Adjustable-Rate Mortgage (ARM) through Capital Consulting Finance features an initial fixed-rate period followed by rate adjustments at scheduled intervals based on market conditions. ARMs often start with lower initial rates, providing flexibility and potential savings for borrowers who plan to move or refinance in the future.
A Home Equity Line of Credit (HELOC) through Capital Consulting Finance allows homeowners to access the equity in their property through a flexible, revolving line of credit. Funds can be used as needed, with interest paid only on the amount drawn, making HELOCs an effective option for home improvements, debt consolidation, or other financial needs.
A VA Loan through Capital Consulting Finance is a government-backed mortgage exclusively available to eligible veterans, active-duty service members, and qualifying military spouses. VA loans often require no down payment, offer competitive interest rates, and do not require private mortgage insurance, making them a powerful benefit for those who have served.
An FHA Loan through Capital Consulting Finance is a government-backed mortgage designed to make homeownership more accessible. FHA loans typically offer lower down payment requirements and more flexible credit guidelines, making them a popular option for first-time homebuyers and those seeking a more flexible qualification process.
Private Capital Financing through Capital Consulting Finance offers customized lending solutions for borrowers seeking flexibility beyond traditional loan guidelines. These loans are often asset-based, feature faster approval timelines, and are ideal for investors, unique properties, or time-sensitive transactions where conventional financing may not apply.
Bond programs through Capital Consulting Finance provide financial assurance for contractual and regulatory obligations. Bonds are commonly used in construction, business licensing, and project-related transactions to guarantee performance, payment, or compliance. These solutions help protect all parties involved while supporting smooth and secure project execution.
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