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The Source for Quality Real Estate Lending Solutions

The Source for Quality Real Estate Lending SolutionsThe Source for Quality Real Estate Lending SolutionsThe Source for Quality Real Estate Lending Solutions

At Qual-Cap, it's not just about securing a loan; it's about fostering financial success.

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Today's Rates

30 Year Fixed Rate SmartStart 1-0 Buydown*. Year 1 Rate:

5.125%/6.412% APR

20 Year Fixed Rate SmartStart 1-0 Buydown*. Year 1 Rate:

5.000%/6.415% APR

15 Year Fixed Rate SmartStart 1-0 Buydown*. Year 1 Rate:

4.375%/5.860% APR

30 Year 5/6 SOFR Adjustable Rate SmartStart 1-0 Buydown*. Year 1 Rate:

4.875%/6.179% APR

FHA 30 Year Fixed Rate SmartStart 1-0 Buydown*. Year 1 Rate:

4.625%/5.909% APR

*SmartStart 1-0 Buydown rate is 1% lower than the note rate for the first year. Rate will be 1% higher than the first year rate for remainder of loan term.  SmartStart buydown applies to eligible Government and Conventional purchase money mortgages locked by 7/31/26 only. Not all borrowers will qualify.


Calculate your savings in the Qual-Cap Calculator Lab here


Get more information on the SmartStart Buydown here

Rates based on an owner occupied primary residence purchase with a 25% down payment, a 760 credit score, paying a 2.5% origination fee and standard loan costs. Loan amount $500,000. 30 day rate lock. FHA rate based on a 3.5% down payment. Rates subject to change without notice. This is not an offer to lend. Rates will depend on actual borrower credit and income qualifications. Equal Housing Lender - Rates as of 7/30/26. SmartStart 1-0 Buydown valid on eligible loans locked by 7/31/2026. Not all borrowers will qualify.

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    OWNER OCCUPIED Financing SOLUTIONS

     Forward Mortgages

    • 10,15,20 and 30 year Fixed Rate Loans
    • Adjustable Rate Loans
    • Fixed period ARMs
    • Home Equity Loans and Lines of Credit, Second Mortgages
    • Conforming, VA, FHA, Non-QM, Jumbo and Super jumbo 
    • First Time Homebuyer Programs

    Reverse Mortgages

    • HECM, Proprietary and Single Purpose 

    INVESTOR FINANCING SOLUTIONS

    Business Purpose loans


    • 1-4 Unit and Multi-Family
    • Commercial
    • Mixed Use
    • Ground Up
    • Fix and Flip
    • Single Asset and Pool Rental Properties
    • Hard Money, Private Money and Institutional Capital


    Learn More

    Recently Funded Loans

    Cash out second mortgage using business bank statements to qualify


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      NMLS: 2541113,2534685 CA DRE 00955072 FLMBR7188

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      888.735.6265 650.273.0947

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      Use This Secure Link to Start Your Application for A Business Purpose Loan (Fix and Flip or Rental)

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      Use This Secure Link to Start Your Application for A Business Purpose Loan (Fix and Flip or Rental)

      Use This Secure Link to Start Your Application for A Business Purpose Loan (Fix and Flip or Rental)

      Use This Secure Link to Start Your Application for A Business Purpose Loan (Fix and Flip or Rental)

      Start Your Application

      Qual-Cap Learning Center


      • Calculators
      • SmartStart Buydown
      • RateRadar
      • Investor CreditLine
      • Escrow-Advantage
      • Super Cash Out 90
      • Investor Financing
      • Smart Refi
      • Home Equity Loans
      • VA Loans
      • FHA Streamlined
      • VA IRRRL Streamlined
      • Investor Podcast
      • Short Term Rentals
      • Texas Rights
      • NMLS Consumer Access
      • Privacy Policy

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