Meet Eric Stone, a seasoned professional with over two decades of rich experience in the finance industry and the visionary owner of True Capital Mortgage LLC. With a robust background spanning Investment Banking, Insurance, and Real Estate Finance, Eric brings unparalleled knowledge and insight to every mortgage transaction. Eric's multifaceted career extends beyond mortgages. In 2008, he ventured into the realm of insurance, as Agent Owner, operating an agency that thrived for over a decade. This venture served as a testament to his entrepreneurial spirit and unwavering commitment to excellence. Before the inception of True Capital Mortgage, Eric held key roles, including Vice President, Division Manager, and Area Manager, in both enterprise and regional banks. In these capacities, he strategically fostered impactful relationships with community leaders, non-profit organizations, and key stakeholders. His steadfast commitment to facilitating accessible homeownership is embedded in the ethos of True Capital Mortgage.
We are a leading mortgage company dedicated to providing exceptional service and competitive rates to homebuyers and homeowners. Our team of experienced professionals is committed to making the mortgage process simple, transparent, and stress-free.
With access to a wide range of loan products and lenders, we help you find the perfect mortgage solution tailored to your financial goals and circumstances.
We offer a comprehensive range of mortgage products including conventional loans, FHA loans, VA loans, USDA loans, jumbo loans, and more. Whether you're buying your first home, refinancing, or investing in property, we have loan options to meet your needs.
The typical mortgage process takes 30-45 days from application to closing. However, the timeline can vary based on factors such as loan type, property type, and how quickly you provide required documentation. We work diligently to expedite the process while ensuring everything is handled correctly.
Credit score requirements vary by loan type. Conventional loans typically require a minimum score of 620, while FHA loans may accept scores as low as 580. We can help you understand your options and work with you to improve your credit if needed.
Down payment requirements vary by loan type. FHA loans can require as little as 3.5% down, while conventional loans may require 3-20% depending on the terms. VA and USDA loans may offer zero down payment options for qualified borrowers. We'll help you determine the best option for your situation.
Contact me today to discuss your mortgage needs and get personalized rate quotes. I'm here to guide you through every step of the home financing process and help you achieve your homeownership goals.