At Capital City Home Loans, we understand how difficult it is to find specialized financing in this market. That’s why we offer special loan programs to give you as many options as possible to qualify for your dream home. It is more important than ever to work with a mortgage banker you can trust and an experienced lender who knows our local market. If you are a first-time homebuyer or a fifth-time homebuyer, we will give you our white glove customer service.


Construction financing allows the buyer to build the home of their choice on land they are purchasing or on land they already own. Our one-time close structure protects both the buyer and the home builder. Features of this program include:

  • Purchase or Refinance
  • New Construction or Renovation
  • Primary or Secondary Residence
  • Loan Amounts up to $3,000,000
  • LTV up to 90% with Approved Volume Builders or 80% on Custom Homes

Home Equity Loans

Home equity lines of credit and home equity loans allow homeowners to borrow against the value of their homes. You can borrow up to 80% of your home’s equity with flexible terms. If you need financing for a project with a fixed cost – like a new sunroom or college tuition – consider a Capital City Home Loans fixed-rate home equity loan.·