First Capital Mortgage Inc.

Steve has been an excellent communicator throughout this whole process. As first time homebuyers, we were completely lost, but he broke everything down step by step in a way we could easily understand. His clear, straightforward approach made the experience far less stressful, and we really appreciated how efficient and reliable he was. He gets things done and truly made this process so much smoother for us. I can't thank our realtor enough for recommending him!

Poor communication and last-minute delays made closing stressful and avoidable. Closing on time is the most critical responsibility of any lender, followed closely by clear communication. Unfortunately, Steve McNeal with First Capital Mortgage Inc. fell short on both. Just four days before closing, Steve emailed confirming everything was good to go. Yet on the day of closing, we still had no documents, no appraisal approval, and no “clear to close.” Even more concerning, no one on his side seemed alarmed that these items weren’t ready—not the day before closing, nor the morning of. Because Steve works on the West Coast and our closing was on the East Coast, I could not reach him until 11:00 AM for a 2:00 PM closing. Buyers and my seller sat at the title company for five hours, and the on

I’ve personally worked with Steve and can confidently say he is one of the best in the business. His professionalism, experience, and deep knowledge of the lending process made everything smooth and stress-free. He takes the time to explain each step clearly, answers every question, and genuinely cares about finding the best solution for his clients. I highly recommend him to anyone looking for a lender who is honest, reliable, and truly educated in his field.

Steve is a seasoned mortgage broker with extensive knowledge of the industry.