Letter From The CEO

Dear Friends:

In 1991 I opened Capital Mortgage Corporation. Why, because I was tired of the public getting "ripped-off." I had worked for a large national bank. Our customers were "bank customers." These are people who would pay out the nose for the "safety" of working with the bank. We would make a fortune on our customer's loans and then we would receive rewards for it, all while working that safety factor line, "your working with your bank." I had also worked for a small mortgage broker. We would tell people that their loan was approved, when we knew we did not control any decision made on their mortgage loan. We knew we could blame the underwriter or the marketing departments, it did not matter we were never at fault. We always started with the lowest rates and fees yet in the end you always paid more. Another competitor was the credit union, they were supposed to be protecting their "members" yet they didn't want to protect them on a fixed rate loan, some protection! There was a better way and in Capital Mortgage Corporation we had found it.

What is the secret? RATES FEES SPEED EFFICIENCY. How do we do it? Instant live-screen pricing at any moment of the day. This guarantees you the lowest rate in the game. We also post our rates all day long letting you know where we stand. No loan officer commissions that drive prices up, instead you get in-house Account Executives that are paid on a salary, not the size of your loan, or the extra's that they can sell you. This keeps our fees not equal but lower than the competition. In the speed department we have Account Executive's that make decisions. The buck stops at the desk of the Account Executive. This allows instant answers and speed that cannot be beat. Finally, for efficiency, a single office serving all of America. It does not matter if you are in Denver, Colorado or Charleston, South Carolina; we do all of our work from one location in Raleigh, North Carolina. If one Account Executives does it that way we all do. We have removed every inefficiency possible to bring value back to you the customer.

You will not get vague answers, incorrect rates, high fees, and we will have the product that you need. Our responses will be quick and precise and we will turn your mortgage loan from an expense into an investment, which is what it should be. With us your good credit is finally going to payoff. We look forward to working with you and providing you the benefits of Capital Mortgage Corporation. If, I, or anyone on our team, can be of service to you do not hesitate to ask. Thank you very much for your business. We look forward to earning it.