News + Press

Debt-to-Income Ratio

What is it and How Does it Affect Me? At its core, a debt-to-income ratio is exactly that: a comparison between the amount of debt you have versus the amount of money you make. From a lender’s perspective, if you... Read more

Do I Qualify for a Mortgage?

Qualifying for a mortgage may appear to be a simple process, but in all reality, the process can be quite intricate. The steps to obtaining a new loan or mortgage will be different from one bank to another. Here are... Read more

Five Questions for First-Time Homebuyers

When you are considering buying a home for the first time, the options involved can be overwhelming. However, the questions of neighborhood, house size, mortgage, etc. become much simpler if you proceed one step at a time. Buying your first... Read more

How Trended Data May Affect Your Mortgage

Many Americans dream of someday owning a home. This dream, for most, is reliant on getting proper funding from a mortgage lender. And up until now, the process was fairly easy to plan for: pay down your credit cards, boost... Read more

New TRID Updates and How They Affect You

WHY THE CHANGES? The new TILA-RESPA Integrated Disclosure rule (TRID) is meant to simplify and clarify. These TRID updates are an attempt to improve and correct potential flaws with the current regulations. Here we have detailed some of the ways... Read more

Operations Update

As the COVID-19 outbreak continues to develop and impact our daily lives, we want to assure you that Capital City Home Loans is prepared to help you through this unprecedented time. All of our associates are following protocols based on... Read more

Organizing Your House for Summer

It’s that time of year again! Time to declutter and reorganize your home so you can enjoy the space you have even more. As top professional organizers will attest, start small and work your way to bigger projects. By crossing... Read more

Restoring Credit After Tax Liens

Tips to Successfully Restoring Your Credit After Tax Liens A recent article from CNBC brought to light some of the common misconceptions about the realities of tax liens and the effects they have on your credit score. A tax lien,... Read more

The Truth About Down Payments

Purchasing your first home or upgrading to fit the needs of your growing family can be a daunting task. Financial hurdles and time challenges can make the process seem insurmountable. A 20% down payment was once the norm, but today... Read more

The Truth About Mortgage Myths

Mortgage rates may fluctuate and requirements may change, but one thing remains constant: the dream of owning a home. Rents have gone through the roof recently, which has pushed even more homebuyers into house hunting. Owning a home has historically... Read more