Buying a Home

Today’s process of buying a home can be stressful when not planned appropriately. Our goal is to give you the best options and education around the purchase process. Having a plan and understanding of the process allows our clients to move each step of the way. Using our Platinum Approval Program our clients can shop stress free and with confidence that their loan is approved by an underwriter in advance.

Refinance

Refinancing your home can benefit you in many aspects, reducing your payment for lifestyle purposes, Shortening the term to pay your home off sooner, Taking cash from the equity in order to do home improvements. There are many misconceptions about available programs, options and there is not a one size fits all solution. Our Mortgage Consultants do just that consult, find out about you and your family’s needs, short and long-term goals. We give options based on your individual needs and options that fit your goals and your personal objective. Clear and concise delivery of options with Individualized Solutions is what American Capital Home Loan’s adds to get you the best rate and loan for you.

Find a Home

Thinking about buying a home, but now sure what is on the market. We want to help by providing home search capabilities without having phone calls from agents you don’t know after an inquiry. Use our live home search to find a home and when you’re ready let us help you get Platinum Approved and build an individualized mortgage plan for you.

What Our Customers Think

“Frank and his team are top-notch! Frank starts out by giving a presentation (all online) of what our mortgage and closing costs are going to look like based on a given price range. We love the presentation because it gave us a clear idea of what our expenses were going to look like, which helped us in the decision making and budgeting process. What amazed us is his availability. We were able to contact him anytime of the week and anytime of the day. He responds through texts, emails or phone calls. He knows the product very well and makes sure that you understand it. After all, a home is the one of the biggest purchases that anyone would make. He was with us the whole way, up to the closing day. He understood our time constraints and made sure that we close sooner than later by having the funding and recording the same day. He worked his magic, communicating with us even while he was out on vacation! I cannot recommend him enough.

- Rommel Maldia, July 2014

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Personal Solutions
We have stood the test of time since 1995. With every economic boom and bust, American Capital Home Loans has grown due to our conservative banking principles and experienced management. We are now the largest family-owned mortgage bank in Southern California with billions of dollars in funded transactions.

Knowledgeable Consultants
All American Capital Home Loan agents are nationally S.A.F.E. certified and have become CMP (Certified Mortgage Planners). We make sure you are consulted by the industry’s finest professionals, not inexperienced phone jockeys.

Advice You Can Trust
We believe that “truth in lending” is more than a required government disclosure that people sign. In an industry prone to abuse and fraud, our highest aim is to serve our client. We know that when we do the right thing consistently, we will be rewarded by referrals and solid networking.

Loan Calculator
Calculate your mortgage based from the purchase price, interest rate, terms, etc.

Click here here to launch the Loan Calculator.

Media Partners
We are proud to partner with radio stations like KWVE, KKLA, KRLA, and KFI.
Banking Platform
Our investors and loan servicers make us very competitive. With a line-up including Wells Fargo, Chase, GMAC, Bank of the Internet, and US Bank, our banking platform can’t be beat. We can even broker-out niche loans to banks like MetLife, Union Bank, and Kinetca!

Summary
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Refinancing your home can benefit you in many aspects, reducing your payment for lifestyle purposes, Shortening the term to pay your home off sooner, Taking cash from the equity in order to do home improvements. There are many misconceptions about available programs, options and there is not a one size fits all solution. Our Mortgage Consultants do just that consult, find out about you and your family's needs, short and long-term goals. We give options based on your individual needs and options that fit your goals and your personal objective. Clear and concise delivery of options with Individualized Solutions is what American Capital Home Loan's adds to get you the best rate and loan for you.