We are
capital M

We're go getters, people-persons, and
mortgage masters to boot.

Licenses, trained, and ready to help.

At Capital M, we offer a partnership. A strong and strategic fighting force
that helps navigate your way through the entire loan process.

About Us

THE M SERVICES

Loan Programs

Conventional loans

FHA loans

Jumbo loans

Non-QM loans

Loan Refinance Options

Refinance to lower
your rate and term

Cash-out refinance

Debt consolidation

Property Types

Primary residences

Vacation homes

Investment properties

Learn More

THE M PROMISE

Purchasing a home is a big commitment.
At Capital M, we match that commitment with one of our own.

We go out of our way to close
all pre-approvals. Period.

We stick to our word.

If you received a pre-approval, we promise to honor that.
-so you never have to worry if your loan will close or not.

0

YEARS OF
COMBINED
EXPERIENCE

0

HOMES
FINANCED

0

BRANCHES

0%

OF LOANS
CLOSED WITHIN
30 DAYS OF
APPLICATION

The M Method

how it works

The Consulation

Goal:

To choose a direction
and decision

Time:

60 minutes

Update:

1 update to client

  • Meet with a mortgage master
  • Soft Credit Inquiry
  • Review the 4 mortgage components:Credit Income/Asset/Property
  • Explore the different mortgages available to you
  • Receive a pre-approval letter*
  • Set expectations

The Documentation

Goal:

To prepare a file with
the highest chances of approval

Time:

3-8 days

Update:

2 updates to client
2 updates to referral partner

  • Completion and signing of the mortgage application and disclosures (within 24 hours)
  • Gather verification documentation
  • Appraise the property within 24 hours of signing
  • Verbal Employment Verification
  • Ordering title on the property and insurance verification
  • Scrubbing the complete loan package for submission (within 24 hours of receiving a complete package)

The Commitment

Goal:

To get a clean
approval

Time:

3-5 days

Update:

3 updates to client
3 updates to referral partner

  • Submitting a convincing loan package for underwriting *
  • Loan decision approval with conditions (3-5 days) *
  • Consultation to lock in the rate*
  • Gather conditions from the client, accountant, employer, 3rd party vendors, etc. (within 24 hours of approval)
  • Setting time expectation for closing with client/attorney/seller

The Final Approval

Goal:

To get a final
approval

Time:

3-5 days

Update:

2 updates to client
2 updates to referral partner

  • Verbally confirming details of transaction and terms of the loan
  • Scrubbing the conditions package & resubmission to underwriting*
  • Preparing the rate lock and initial closing disclosures
  • Preparing the rate lock and initial closing disclosures
  • *Final approval received

The Smooth Closing

Goal:

A stress-free finale to the
mortgage process

Time:

2 days

Update:

1 update to client
1 update to referral partner

  • Pre-closing meeting to review the final terms
  • Setting up the time and location for the closing
  • Documents and bank wires prepared and submitted on time
  • Celebration!!! The closing experiences

The Day After

Goal:

To wrap up any
loose ends

Time:

1-2 days

Update:

1 update to client

  • Letter of First Payment Due Date
  • STAR credit application
  • Survey
  • Keep in touch for any future questions or help!

*Client will be contacted.
NOTE: Above is an estimated time frame of the process duration.
Actual time may vary according to each project.

LEARN MORE

Capital M
Commercial

Specializing in consultations,
refinancing, and loan packages, we
bring a complete focus to the project at
hand, leading you right to the finish line.

  • Expert
    Advice
  • Flexible
    Terms
  • Competitive
    Rates
Learn More

TESTIMONIALS

True accounts matter. They tell people’s stories and relate real results.

*The following testimonials are constantly being updated, so be sure to check in periodically in order to follow along.

I must tell you how amazed I am at the way your team are handled my mortgage. As a condo manager I've dealt with a lot of mortgage agencies that have a complicated process. I was surprised at how easy your team made the whole process! I am looking forward to more positive developments your team on my side!

J. Miller

Although you could have made more money, you did what was best for me. I'm really amazed at the honesty you showed me. I came to refinance my mortgage and although you could have just done the job, you told me that it actually wasn't in my best interests. Thank you!!

Mordechai H.

It was a real first-class experience!" I just closed my first loan with Capital M. I'm amazed at the high-level communication I got on each step and the quick response time. At the closing I felt so calm. I felt assured that everything is done right. It was a real first-class experience!

Nisim Ch. Sued

Your team handled everything like pro's and were excellent with communication. Now that we are done with the closing I have to tell you that I felt very secure and calm during the loan process. Your team handled everything like pro's and were excellent with communication. I always knew where I was up to with my loan without making an outbound call - I was always the one receiving the update calls. Much appreciated!

Yoel E Shwartz
More Testimonials

LET’S TALK

We’re here to help regardless of whether you choose to take a Capital M loan or not.

Call us at 845-781-2400 or submit your question using this contact form. We’ll be sure to get back to you promptly.

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