Here’s How We Can Help You

Get a Home Loan

Let us do the hard work! We’ll help you plan for buying a home and getting a mortgage within your budget, and make sure you’ve got everything you need to make the right decision for you. You’ll be able to shop with the confidence that your Orange County home loan is approved in advance, using our Platinum Approval Program.
Start Today

Refinance Your Home

Refinancing your home could help you reduce your current mortgage payments, shorten the term of your mortgage, or get cash for home improvements. Our specialized consultants will work with you and your family to find a rate and loan that meets your needs and objectives.
Start Today

Find a Home

We can provide you with all the tools you need to find the best homes on the market right now, including a popular mobile app. You can take control of your own home search by accessing listings directly without an agent. When you have made your choice, we can build a mortgage plan just for you and get your loan approved.
Start Today

Featured Customer Review

“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

See More Reviews

Our Proud History
We’re the largest family-owned mortgage bank in Southern California. Since we established our Orange County home loans business in 1995, we have continued to grow through varying economic conditions thanks to our conservative banking principles and experienced management.
More About Our History

Top-Notch Consultants
Our knowledgeable Orange County home loan agents are among America’s finest. All are SAFE certified and have become Certified Mortgage Planners.
See Our List of Agents

Advice You Can Trust
We pride ourselves on serving our clients and giving honest advice every time. Whether you’re buying a home, looking for a home or refinancing a home, you can trust our team every step of the way.
Why You Can Trust Us

Loan Calculator
Ready to get started? Fill out some details and instantly calculate your mortgage.
Use Mortgage Rate Calculator Now

Click here here to launch the Loan Calculator.

Our Media Partners
We’re proud to partner with radio stations including KWVE, KKLA, KRLA and KFI.
Our Banking Platform
With a line-up including Wells Fargo, Chase, GMAC, Bank of the Internet and US Bank, our banking platform is one of the best. We also broker-out niche loans to banks including MetLife, Union Bank and Kinetca.

Article Name
American Capital Home Loans Home Page
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.