Welcome to the Capital City Home Loans Specialty Lending Group

Contact us today for a complimentary mortgage consultation and be sure to ask about a possible
credit towards your closing costs. Get started by sending us an email, starting a chat or
filling out the form below.

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Self Employed?

Our bank statement loans are made for you. No tax returns needed.
Chat with us, call or email today to learn more.

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Specialty Lending Success Story

Our client was a self-employed financial advisor. Before turning to Capital City Home Loans,
she was turned down by two other mortgage lenders due to a decline in income reflected
on her previous two years of tax returns. Our team was able to underwrite
her loan with only the most recent year’s tax return, qualifying her for our Portfolio Niche Program.
This enabled her to purchase an $884,000 home with only a 10% down payment!

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Specialty Lending Success Story

The owner of a profitable construction company for the past 10 years was referred to the Specialty Lending Team by his personal banker. He went on to start a new business that was not profitable in its first year, which brought the qualifying income on his tax returns to a level insufficient to qualify him on a traditional loan program. He purchased a $370,000 home with 20% down with the CCHL 24-month Personal Bank Statement Program, since only the cash flows of the profitable business were necessary to qualify. No tax returns required!

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Specialty Lending Success Story

Our client was told by her personal bank that she didn’t qualify for a mortgage due to not enough income writing off business expenses on her tax returns. She was a self-employed consultant working from home – a perfect fit for the CCHL 24-month Business Bank Statement Program. With just 24 months of average deposits in her business account – minus an expense ratio of 30% since she worked from home – she qualified for a mortgage. She is now the proud owner of a $390,000 townhome, without having to provide any tax returns!

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Specialty Lending Success Story

The client was self-employed as a record producer, and reached out to the CCHL Specialty Lending Team after being unable to secure a loan with three other lenders. They had all concluded that his tax returns did not reflect enough qualifying income. With Capital City Home Loans, he was able to purchase a $960,000 home with 25% down through our 12-month Personal Bank Statement Loan. The program qualified him based on the last twelve months of deposits in his personal checking account. No tax returns required!

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Purchase your Next Home or Investment Property

Are you self employed and having difficulty qualifying for a mortgage? Hoping to build your dream home? Fill out the form below to get started.

Start my Purchase

No Matter the Circumstance, We Have the Loan for You.

Entrepreneurs, investors, home builders, house flippers and more. No matter your role in homebuying, we have the loan program for you.

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Refinance your Current Home or Investment Property

Are you looking to refinance your property to pull cash out or lock in a better rate? Start by filling out the form below and we will take it from there.

Start my Refinance
Welcome

Bank Statement Program
The 24-month Bank Statement loan is for eligible self-employed borrowers and doesn’t require tax returns to verify income.

Construction Permanent
Building your dream home can seem daunting, but Capital City Home Loans has a proven process to take you from the foundation to finished, fast and efficiently.

Doctor Program
Specifically for doctors, this program offers 100% financing with no mortgage insurance requirement.

Investment Properties
Looking to flip houses or get into the rental real estate market? We have the programs to make those goals a reality.

Niche Mortgage Programs
For those situations that “just miss” traditional mortgage guidelines, our niche programs can help with unique circumstances such as seasoning of a credit event, leasehold lake properties, lower down payments on a jumbo loan and more.

Non-Warrantable Condos
Whether in the city or at the beach, the Capital City Home Loans non-warrantable condo program offers necessary flexibility for these types of properties.

Rehabilitation/Renovation
If you’re ready for that dream kitchen you’ve always wanted, or you’re looking to buy a fixer-upper, our rehab and renovation loans are just right for you.

Georgia Power Leaseholds
For lake properties on Georgia Power leaseholds, we have several mortgage solutions.

Please complete the form below. We will be in touch for a complimentary mortgage consultation. Be sure to ask about a possible credit towards your closing costs.

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