Home Financing

Like your new home, you should choose your mortgage based on the specific features it offers and how those features support your unique financial needs. Your home is an asset and you can manage it the way you want to.

Finding the right loan
Here's a list of questions to help you choose the right loan solution for you:

• Are you looking for predictable monthly payments of a fixed rate?
• Do you need a lower initial downpayment and are comfortable with adjustable rates?
• Do you have flawed credit, high debt, lack of savings or other financial challenges?
• Would you like to build a new home?
• How much can you afford? Try the mortgage calculator to help you plan.
  

Whatever your mortgage needs, I can find the right professional to get you financial comfort and security in your new home.

Mortgage Team
Both Rick Litle and Rene’ Holmes can assist you in finding the perfect home loan solution for you.

Rick Litle, Senior Loan Officer
Capitol Trust Mortgage
155 E. Campbell Ave., Suite 125
Campbell, CA 95008

Direct: 408.370.9790
Fax: 408.370.9793
rlitle@capitoltrustmortgage.com

I’ve been a mortgage lender for 19 years. My focus is residential purchase and refinance loans but I bring you expertise in commercial, construction, land acquisition, VA and First Time Buyer loans.

I am also thoroughly familiar with “subprime” lending. In other words, getting loans for people in unique situations such as credit difficulties, high loan to values, distressed or non-conforming properties, difficult to document income and other challenges. I can offer you access to more than 80 different lenders which affords you nearly limitless options to find a loan.

No matter your financial situation, I can, more often than not, find suitable financing and get you well on the path to ownership.

Rene' Holmes, Mortgage Consultant
First Horizon Home Loans
2160 41st Ave., Suite 101, Capitola, CA 95062

Main: 831.476.7880 Ext. 8017
Direct: 831.465.8017
Toll Free: 800.252.9282 Ext. 8017
Fax: 831.480.5915
rholmes@fhhlc.com

With over 10 years in the mortgage industry, I offer my customers a wealth of experience and knowledge in the home financing process. I am dedicated to giving my customers the best home-buying experience possible and constantly strive to exceed their expectations. I enjoy helping people become part of their community by realizing their dream of home ownership.

I am pround to be a loan officer for First Horizon Home Loans, one of the nation's leading lenders. I look forward to fulfilling all of you home financing needs.