Your Path Home


Apply for Your Home Loan Today!


Free. Secure. Easy. Quick.


Why Preferred Capital?



Customized Loan Process


The best loan program for your situation.


Service with Speed


Average 17-day loan process.


Local Support


Service you can count on.



About Us


As a family-owned company we understand the importance of providing a smooth and quick loan process to get your family into a new home quickly.





Meet Our Team

The right team. The right resources. The right loan program.



Discover The Right Loan Program For You

Which scenario best describes your situation?

FHA


I do not have a lot of money for a down payment.



Loan Features:

  • Great for First Time Homebuyers
  • Low Down Payment
  • Easy Credit Qualifying
  • Purchases can Include Rehab and Remodels
  • Easy Refinancing
Learn More

USDA


I live in a rural area and need financing for a home.



Loan Features:

  • Great for those with Low to Moderate Income
  • Up to 100% Financing
  • Flexible Underwriting Guidelines and Credit Qualifications
  • Household Income & Property Geographic Limitations Apply
Learn More

Conventional


I am able to make a larger down payment.



Loan Features:

  • Great for those with Moderate to High Income
  • As Little as 5% Down Payment (only 3% for First-Time Homebuyers)
  • 20% Down Payment Removes Mortgage Insurance Premiums
  • Flexible Terms
Learn More

VA


I am an active member of the military or a veteran.



Loan Features:

  • Designed to Provide Financing to American Veterans
  • Up to 100% Financing
  • No Monthly Private Mortgage Insurance (PMI)
Learn More

Doctors


I am completing my residency and want to buy.



Loan Features:

  • Flexible Down Payment Options
  • Up to 100% Financing
  • No Monthly Private Mortgage Insurance (PMI)
Learn More

What Would You Like to Do?



Your Home Purchase Experience

A Process Built Around You



Step 1


Get pre-approved


Step 2


You submit an offer on a home


Step 3


We process & underwrite your loan 



Step 4


We issue a clear to close


Step 5


You close on your new home


Back to Resources


Required Documents When Purchasing A Home

Here’s a basic list of what you’ll need when applying:

Purchase Loan
Copies of Federal Tax Returns (all pages/schedules) and W-2’s for Prior 2 Years
Most Recent 30 days of Pay Stubs with YTD Gross Earnings
Most Recent 2 Months of Bank Statements (all pages)
Asset Statement (401K, brokerage accounts, mutual funds, stocks, etc.)
Signed Loan Application
Driver’s License and Social Security Card
Signed Purchase Agreement
12 Months Cancelled Checks for Verification of Rent and Rental Agreement
Other Documentation may be Required

Back to Resources



Your Home Refinance Experience

A Process Built Around You



Step 1


Apply for your refinance


Step 2


Submit all required documents


Step 3


We process & underwrite your loan



Step 4


We issue a clear to close


Step 5


You close on your new loan


Back to Resources


Required Documents When Refinancing A Loan

Here’s a basic list of what you’ll need when applying:

Refinance Loan
Copies of Federal Tax Returns (all pages/schedules) and W-2’s for Prior 2 Years
Most Recent 30 days of Pay Stubs with YTD Gross Earnings
Most Recent 2 Months of Bank Statements (all pages)
Asset Statement (401K, brokerage accounts, mutual funds, stocks, etc.)
Signed Loan Application
Driver’s License and Social Security Card
Mortgage Statement or Coupons
Other Documentation may be Required

Back to Resources



Visit Us

Our Office Hours are Monday through Friday 9 AM – 5 PM




Contact Us

How Can We Help You?

Fields marked with an * are required


top