Business Details
Your Trusted Mortgage Partner in Austin, TX
Capital Mortgage Services has been a trusted mortgage banking firm for over 30 years, dedicated to providing personalized home loan solutions. We specialize in conventional, non-QM, and government-backed loans, maintaining full control over the mortgage process from application to servicing. Our commitment to technological innovation ensures streamlined approvals while preserving the hometown touch that sets us apart. With a servicing portfolio exceeding $2 billion, we prioritize long-term client relationships and compliance-driven practices. Our experienced team delivers competitive rates, quick turnaround times, and tailored options for diverse financial situations. As a full-service mortgage bank, we eliminate third-party transfers by handling all loans in-house, ensuring consistent support throughout the loan lifecycle.Licensed in Texas and operating under NMLS ID 149169, we adhere to strict regulatory standards while maintaining a customer-centric approach. Our dedication to transparency, ethical lending, and community-focused service has sustained us through economic fluctuations. We empower borrowers with electronic access to market conditions and credit flexibility programs, making homeownership accessible. Backed by industry recognition and a proven track record, we remain committed to simplifying the mortgage experience for every client.
Services
Conventional Loans
Non QM Loans
Government Backed Loans
Mortgage Banking
Loan Servicing
Highlights and features
- We offer 30 years of mortgage banking expertise with in-house loan servicing.
- Our $2 billion servicing portfolio ensures long-term client relationships.
- We provide technology-driven convenience without sacrificing personal service.
- Our team specializes in conventional, non-QM, and government-backed loan options.
- We maintain strict compliance with state and federal lending regulations.
Associations and certifications
- NMLS 149169
- Texas Department of Savings and Mortgage Lending
Services
Conventional Loans
Conventional loans offer flexible terms for borrowers with strong credit histories. These mortgages aren't government-insured, allowing for competitive rates and customized down payment options. Our underwriters evaluate each application based on financial stability and property value.
Non QM Loans
Non-QM loans serve borrowers who don't meet standard qualification criteria. We assess alternative documentation and unique financial situations to provide homeownership opportunities for self-employed individuals and those with complex income structures.
Government Backed Loans
Government-backed loans include FHA, VA, and USDA options with reduced down payments and lenient credit requirements. Our direct endorsement status enables faster processing for eligible borrowers seeking federally insured mortgage solutions.
Loan Servicing
Our in-house servicing department handles payment processing, escrow management, and customer support throughout the loan lifecycle. Borrowers benefit from consistent communication and streamlined resolution of payment-related inquiries or hardships.
Mortgage Banking
As a mortgage banker, we originate, underwrite, and service loans directly. This vertical integration eliminates third-party transfers, ensuring personalized guidance from application through payoff while maintaining quality control standards.
People
Royce Lewis
Residential Mortgage Loan Officer
With extensive industry experience, Royce Lewis specializes in guiding borrowers through mortgage options tailored to their financial goals. Licensed under NMLS ID 151122, he prioritizes transparent communication and ethical lending practices.
Linda Lewis
Residential Mortgage Loan Officer
Linda Lewis brings professional expertise to mortgage solutions, focusing on personalized service for first-time and experienced homebuyers. Licensed under NMLS ID 151120, she emphasizes clear guidance throughout the lending process.
Questions
What loan programs do you offer?
We provide conventional, non-QM, FHA, VA, and USDA loans to accommodate various financial situations and homeownership goals.
How quickly can you process a mortgage application?
Our in-house underwriting typically provides approval decisions within minutes while maintaining thorough compliance standards.
Do you service loans after closing?
Yes, we service all originated loans internally, ensuring consistent support throughout the loan's lifetime without third-party transfers.
Are you licensed to operate in Texas?
We're licensed by the Texas Department of Savings and Mortgage Lending under Mortgage Banker License #149169.
How do you maintain competitive rates?
Our direct lending model and $2 billion servicing portfolio allow us to offer market-competitive pricing while maintaining personalized service.
