American Capital Financial

Our business is built on integrity, strong ethics and customer education. The team has decades of combined mortgage experience, and we place a premium on clear communication so clients understand their options and the steps in the loan process from application through closing.

For all home purchase and refinance needs in Colorado and Wyoming, American Capital Financial aims to make the mortgage process straightforward and educational rather than stressful.

• Typically offer many borrowers the best overall value.
• Well suited for borrowers who have saved a larger down payment (around 20% of the purchase price), though we may be able to arrange a conventional loan with as little as 3% down, depending on qualification.
• Available with a variety of terms, including 10, 15, 20 and 30 years.

FHA loans

• Backed by the U.S. Federal Housing Administration (FHA) and issued by FHA-approved lenders.
• Often a good option for first-time homebuyers or borrowers with less-than-perfect credit.
• Allow a significantly smaller down payment than many conventional loans (commonly 3.5%, subject to FHA rules and qualification).

USDA Rural Development loans

• Designed to help low- and moderate-income borrowers purchase homes in eligible rural areas.
• Can be used to build, repair, renovate or relocate a home, and to purchase and prepare sites, including water and sewage facilities.
• Eligibility depends on income, location, housing situation and other USDA criteria.

VA loans

• Available to eligible military service members, veterans and certain surviving spouses.
• Can be a strong option for qualifying borrowers who meet VA eligibility requirements.

To determine which loan type is the best fit for your situation, contact American Capital Financial to speak with a licensed mortgage professional.

Contact details

• Phone: (303) 831-9636
• Email: info@amcapfin.com
• Office address: 2679 W. Main St. #300-235, Littleton, CO 80120

How to get started

• Call or email: Contact us to discuss your goals, ask questions about loan options, or start a purchase or refinance application.
• Online application: Visit our website at https://www.amcapfin.com and use the Apply Today option to begin a secure online mortgage application.

Service area

American Capital Financial provides residential mortgage services to homebuyers and homeowners across Colorado and Wyoming, including the Denver metro area and rural communities.

For specific questions about loan programs, rates, fees, or qualification requirements, please contact us directly so a licensed mortgage professional can provide up-to-date information based on your situation.

Key features of conventional loans

• Suitable for borrowers who have saved a larger down payment (around 20% of the home's value).
• In some cases, we may be able to arrange a conventional loan with as little as 3% down, subject to qualification and program guidelines.
• A variety of term options are available, including 10-, 15-, 20- and 30‑year fixed-rate loans.

Advantages of conventional loans

• Access to competitive interest rates from multiple lenders.
• Many product and term choices so the loan can be tailored to your situation.
• Conventional loans generally do not require mortgage insurance once sufficient equity and program requirements are met.

Considerations

Conventional loans can require a higher down payment and stronger credit profile than some government-backed programs. There are also important choices to make between fixed and adjustable rates and among different terms.

Because each borrower's situation is different, American Capital Financial reviews your goals, credit profile and budget and then recommends conventional loan options that may be appropriate. Contact us directly to discuss current options and qualification requirements.

Key features of FHA loans

• Designed to make homeownership more accessible for buyers who may not have a large down payment or perfect credit.
• Typically allow a significantly smaller down payment than many conventional loans (commonly around 3.5%, subject to FHA rules and qualification).

Advantages of FHA loans

• Lower down payment requirement compared with many conventional loans.
• More flexible credit requirements than some other loan types.

Considerations

FHA loans require two types of mortgage insurance premiums:

• An upfront mortgage insurance premium, which is paid at closing or financed into the loan, and
• An annual mortgage insurance premium, which is paid monthly in addition to the mortgage payment.

Because FHA guidelines and options can change over time, American Capital Financial reviews your situation and explains current FHA requirements, costs and benefits. Contact us directly to see whether an FHA loan may be right for you.

What USDA loans can be used for

USDA loans can be used to:

• Purchase a home in an eligible rural area,
• Build, repair, renovate or relocate a home, and
• Purchase and prepare sites, including providing water and sewage facilities, subject to USDA program rules.

Basic eligibility considerations

USDA program eligibility depends on several factors, including:

• Household income level (generally very low to moderate income thresholds),
• Being without adequate housing,
• Reasonable credit history, and
• Purchasing in a USDA‑designated rural area.

Exact eligibility criteria are set by USDA and can change over time. American Capital Financial helps borrowers review these requirements and determine whether they may qualify.

Terms and potential benefits

• USDA loan terms can be long (often 33 to 38 years, depending on the program and qualification).
• Some households may be eligible for payment assistance or subsidies, subject to USDA rules.

To find out whether a USDA Rural Development loan is appropriate for your situation, contact American Capital Financial to discuss your location, income and homeownership goals.

Ask anyway — the agent will say plainly that it is not published rather than guess.