CapGrow Portfolio

With seemingly more and more stringent mortgage requirements each day, it is refreshing to work for a company that has alternatives! It is another difference of CapGrow’s business model. As I would call it, the power of the portfolio!

So why is the portfolio is relevant to my mortgage needs today? To best explain how CapGrow’s portfolio can help you, I need to define portfolio versus agency.

The major agencies are Freddie Mac (FHLMC) and Fannie Mae (FNMA). They write the law, or guidelines for how mortgages are approved. FHLMC and FNMA then have various companies that will sell their mortgages to FHLMC and FNMA and receive superior pricing. These two agencies have standardized how lending operates. With FHLMC and FNMA changes, it is sometimes frustrating that mortgages can’t be made due some of the changing requirements.

At CapGrow, we are able to offer alternative solutions with our own guidelines. We can lend out of our portfolio rather than the aforementioned agencies. If a loan makes sense, we have made transactions work for a few months until the client resolves the issues. Then I am able to come back and refinance, many times at no cost, to the client.

It gives me an opportunity to say yes versus no!

Call Rick Whisman, at (314) 609-0565, to see how I can make a difference for you!