Our Loan Products
At American Capital Financial Group, we offer a comprehensive range of mortgage products to fit your unique needs and financial goals. Whether you're purchasing your first home, refinancing, or investing in real estate, we have a solution for you. Contact us today to find out which loan program is right for you.
Available Loan Programs
Home Purchase Loans
Financing options for buyers ready to purchase their next home.
FHA Loan
Government-backed loan with low down payment requirements (as low as 3.5%). Great for first-time homebuyers with lower credit scores.
Conventional Loan
Traditional home loans not backed by the government. Ideal for borrowers with good credit and stable income. Available with fixed or adjustable rates.
VA Loan
Exclusively available to eligible veterans, active-duty service members, and surviving spouses. Features no down payment and no private mortgage insurance.
Refinance Loans
Lower your rate, reduce your payments, or access your home equity.
Rate & Term Refinance
Refinance your existing mortgage to get a better interest rate or change your loan term without taking cash out.
Cash-Out Refinance
Tap into your home's equity to fund home improvements, consolidate debt, or cover major expenses by refinancing for more than you owe.
Jumbo Loan
For high-value properties that exceed conforming loan limits. Competitive rates for borrowers with strong credit and financial profiles.
Non-QM Programs
Flexible mortgage solutions for self-employed, investors, and borrowers who don't fit traditional lending guidelines.
Bank Statement Loan
Qualify using 12-24 months of bank statements instead of tax returns. Ideal for self-employed borrowers and business owners.
DSCR Loan
Debt Service Coverage Ratio loans for real estate investors. Qualify based on property cash flow rather than personal income.
Asset Depletion / Asset Qualifier Loan
Qualify based on liquid assets and investment portfolios. Ideal for high-net-worth borrowers with significant assets but limited income documentation.
Interest-Only Loan
Lower initial monthly payments by paying only interest for a set period. Great for investors and borrowers seeking short-term cash flow flexibility.
Foreign National Loan
Mortgage financing for non-U.S. citizens purchasing property in the United States. No U.S. credit history or Social Security number required.
Fix & Flip Loan
Short-term financing for real estate investors purchasing, renovating, and reselling properties. Fast approvals based on after-repair value (ARV).
No-Doc / Stated Income Loan
Minimal income documentation required. Ideal for borrowers with complex income structures who prefer to state income without full verification.
ITIN Loan
Home financing for borrowers with an Individual Taxpayer Identification Number (ITIN). Designed for non-U.S. residents and undocumented immigrants building credit.
1099 Loan
Qualify using 1099 forms for independent contractors, freelancers, and gig workers. No tax returns needed — perfect for self-employed income earners.
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American Capital Financial Group
American Capital Financial Group | NMLS ID: 1553990 | NMLS Consumer Access: www.nmlsconsumeraccess.org | Maryland: Licensed by the Commissioner of Financial Regulation under the Maryland Mortgage Lender License. | Virginia: Licensed by the Virginia State Corporation Commission (SCC) as a Mortgage Broker, NMLS ID: 1553990. | District of Columbia: Licensed by the DC Department of Insurance, Securities and Banking (DISB) as a Mortgage Dual Authority Licensee. | This is not a commitment to lend. Subject to credit approval. Rates and terms subject to change without notice. Equal Housing Lender.
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