Capital International Financial

About Us

We The People

of Capital International Financial

Founded January 22nd 1981 Capital International Financial is a subsidiary of Capital International Financial, Inc (C.IF.I.) With over thirty 35 years of experience in providing loans, service, and expertise to home-buyers, C.I.F.I upholds an enduring presence in the lending community. By strategically meeting the ups and downs of the real estate and financial markets, C.I.F.I has remained steadfast in its mission to provide affordable home financing, unsurpassed service, and a dedicated workforce to meet our customers' needs. C.I.F.I was founded in 1981 as a mortgage Lender in Coral Gables, Florida. In its first decade, C.I.F.I went from Correspondent Lenders to Fannie Mae/ Freddie Mac Seller Servicers to further serve the needs of the community. C.I.F.I offers residential mortgage lending solutions, including conventional, FHA, VA, Jumbo, Non-Qualitative Mortgages and Foreign National loan programs. We are also one of the leading originators of Fannie Mae's HomeReady Program and Homestyle Renovation Mortgages. CIFI is a Fannie Mae and Freddie Mac Seller Servicer, as well as an unsupervised FHA Lender. C.I.F.I’s commitment to customer service, focus and innovation has positioned the company to serve our customers for many years to come. NMLS # 1036987.

Appraisal

Appraisal Fee

When you purchase or refinance a home, you typically will be required to obtain an appraisal. Getting an appraisal done involves hiring a licensed appraiser who determines the value the property.

We only work with highly qualified residential appraisers. It is our policy that appraisers only receive orders for the county in which they are located. This helps ensure a thorough knowledge of the market. Appraisals must be paid prior to ordering. You must have already been given a Loan Estimate prior to being asked to pay for anything other than a credit report

For borrowers with excellent credit, conforming loans are advantageous due to their low interest rates. We offer a variety of conforming mortgage loan products.

Highlights:

No upfront mortgage insurance
No mortgage insurance with 20% down payment or lender paid mortgage insurance
Competitive interest rates
Minimum credit score of 620
Primary, secondary or investment properties
National loan limit of $715,000
Underwritten in-house

FHA is a government agency that was created in 1934 to help facilitate growth in loan opportunities, by allowing an alternative to purchase a home with as little as 3.5% down payment and less than perfect credit.

Highlights:

As little as 3.5% down payment- funds can be a gift from a family member
Less than perfect credit score
Flexible debt to income ratios
Seller contribution to closing cost is allowed
Minimum credit score 580
Underwritten in-house

Our Jumbo loan products are designed for loan amounts up to 3.5MM.

Highlights:

Maximum Loan Amount: $3.5MM
Maximum Loan-to-Value (LTV): 90%
Primary Residence, Investment Properties and Second Home are eligible
15, 20, and 30 year Fixed Rate options
3/1 and 5/1 Arm Available
Interest Only Option Available
Underwritten in-house

Purchase or refinance option for any renovation project such as design updates or improvements, and even renovating accessory units like in-law suites or basement apartments.

Highlights:

Up to 97% Loan to Value
For Purchase: Limited to 75%* of the lesser of the purchase price plus renovation costs, or the “as-completed” appraised value
For Refinance: Limited to 75% of the “as-completed” appraised value.
Can be used on ANY project
Can finance accessory units (e.g. in-law suites, basement apartments, etc.)
Applicable to manufactured homes
Allows upfront draws
Underwritten in-house

In 1944 the US government created a military loan guarantee program to help qualified service member’s purchase a home.

Highlights:

Zero down payment
No mortgage insurance
Competitive interest rates
Easy qualification criteria
We are a veteran owned company (USMC)
Underwritten in-house

Also known as Hard Money or Hard Equity Loans. Approval is based on property instead of credit

Highlights:

Fast approval process
Approval based on property, not credit history
More flexible
The opportunity to fix and flip properties
Can close in the name of a corporation
Underwritten in-house

A Reverse Mortgage works like an annuity and can help you tap into the equity and enjoy a better quality of life through retirement.

Highlights:

Take out your equity now
Eliminate mortgage payments
Competitive interest rates
62 years or older
Receive funds in a lump sum, credit line or monthly payments for life
Underwritten in-house

Home Equity Loans

Highlights:

Stand-Alone Second Liens and Piggybacks

Fixed rate terms: 5, 10 ,15, 20, 25 & 30 years

Minimum Loan amount $50,000

Maximum Loan Amount $500,000

Owner-Occupied | Second Homes | Investment Properties

Prime Rate as published in the WSJ on the 1st of the month

Single Family |PUDs |Modular homes (as defined by Fannie Mae) Condominiums

A home equity line of credit, or HELOC, is a type of loan that allows you to draw funds as you need them and repay the money at a variable interest rate. Because of this, HELOCs are generally best for people who need funds for ongoing home improvement projects or who need more time to pay down existing debt. HELOCs typically have lower interest rates than home equity loans and personal loans.

30-year variable term (Index plus a margin)

10-year interest only draw period with a 20-year fully amortizing repayment period

Minimum Line amount $50,000

Maximum Line Amount $500,000

Owner-Occupied & Second Homes

Prime Rate as published in the WSJ on the 1st of the month

Single Family |PUDs |Modular homes (as defined by Fannie Mae) Condominiums

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For Home Equity Lines and Reverse Mortgages Call us 877-430-2274 or Contact via email

All customer information is hosted and stored in our own private, on-site servers. No personal information is kept or stored on third-party hosting sites.

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Because you are doing your new loan online, you save us time and money. We pay you back by giving you our absolute lowest rate possible. Most of the time lower than Banks or Credit Unions.

We want your home purchase to be a great experience so you'll tell your friends and family. If you ever have any questions or concerns, please contact us right away.

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