About Us
Who We Are
American Capital Financial Group is a full-service mortgage company committed to making homeownership accessible and straightforward for every client. Founded on the principles of integrity, transparency, and client-first service, our team of licensed mortgage professionals brings decades of combined experience to every loan transaction. We work with a wide network of lenders to find the most competitive rates and loan programs tailored to your unique financial situation.
Our Mission
Our mission is simple: to empower clients with the knowledge, resources, and financing solutions they need to make confident real estate decisions. We believe everyone deserves a fair shot at homeownership, and we're dedicated to delivering a personalized lending experience built on trust and results.
Why Choose American Capital Financial Group
At American Capital Financial Group, our success is built on a powerful advantage that most borrowers never know exists: access to wholesale mortgage rates.
Think about how everyday shopping works. When you buy groceries at a supermarket, pick up medicine at CVS, or grab household items at any retail store, those stores are all acting as brokers — they buy products from manufacturers and wholesalers at a lower cost, then mark them up and sell them to you at retail price. That's how the retail world works.
Now think about Costco. Costco sources products at wholesale prices but sells them to members at a price between wholesale and full retail — passing real savings to you while still running a successful business. That's exactly what American Capital Financial Group does for your mortgage.
While we hold a mortgage lending license, we operate exclusively as a licensed mortgage broker. Banks, credit unions, and retail mortgage lenders can only offer you their standard retail rates. Because of our lending license, we have access to wholesale mortgage rates — the same rates that are typically only available to licensed mortgage professionals, not the general public.
Rather than pocketing the difference, we pass those savings on to you by offering a rate between the wholesale rate and what you would have paid going directly to a bank or retail lender. You get a better rate, better terms, and the confidence that someone is truly shopping on your behalf.
That's not luck — that's the American Capital Financial Group model, built entirely around your financial advantage.