Capital First Mortgage. is your local lender in Carroll, Frederick and surrounding counties in Maryland. Brent Whalen and the professional staff at Capital First Mortgage are longtime local residents who will work hard for you, “An exceptional lender for your exceptional needs!”

Rates are beginning to climb; don’t miss out on low rates while they last. Good credit, bad credit, no credit (any credit grade), let Capital First Mortgage find the right mortgage loan program for you. Whether you need a new home loan, refinance of your existing loan, need to pay off your high interest credit cards or a complete debt consolidation call or email today and qualify for a free credit analysis and credit report.

• Purchase Loans
• Debt Consolidation Loans
• FHA Loans / VA Loans
• Cash out for any reason
• No Doc Loan Programs
• 2nd Mortgages or Credit Loans
• 125% Second Mortgages
• Home Equity Lines
• Home Improvement Loans
• Vacation Home Loans
• Interest Only Loans
• Self Employed, No Income Proof
• Jumbo Size Mortgages
• Automatic Rate Reduction Loans

We work to get you the best loan possible. Our qualification process is simple and fast! Please call today or email us for more details.

The following is a partial list of programs offered by Capital First Mortgage with a brief description.

CONVENTIONAL: Programs available for the borrower who needs up to 100% financing.

GOVERNMENT PROGRAMS (FHA / VA): Numerous loans are available under these programs. Intended for the low/moderate income and veteran borrowers. 100% financing or minimal down payment is available. Income and loan amount limits do apply.

SECOND HOME: A program for the homebuyer wishing to purchase a vacation home. This purchase can be financed up to 100% depending on the loan amount.

INVESTOR / RENTAL PROPERTY: Buyers who are looking to generate rental income by purchasing these types of properties. Multiple property ownership is allowed under certain programs. Financing up to 100% is available.

NO INCOME VERIFICATION: This offers the self employed borrower or special borrowers who wish not to provide tax returns, P&L's, or pay stubs up to 100% LTV.

BALLOON / ARMs (adjustable rate mortgages): These programs are intended for the homebuyer who feels they will only occupy the property for a set period of time.

SUBPRIME: For customers with bruised credit or debt ratios up to 55% loans with LTVs up to 100%.

Brent Whalen

Bernard Schene

When does it make sense to refinance?

1. Calculate the total cost of the refinance
2. Calculate the monthly savings
3. Divide the total cost of the refinance

(#1) by the monthly savings (#2). This is the "break even" time. If you own the house longer than this, you will save money by refinancing.

Since refinancing is a complex topic, consult a mortgage professional.

Don’t forget to ask us about how to protect your identity against the growing threat of identity theft.