Two decades ago, Mayer was frustrated by mortgage processes that were cumbersome, complicated, and confusing. He set out to turn that on its head with a mortgage company that values the customer experience above all else.
About
WE ARE CAPITAL M.
We’re go-getters, people-persons, and mortgage masters to boot.
At Capital M, we offer a partnership. A strong and strategic fighting force that helps navigateyour way through the entire loan process.
HOW WE GOT STARTED
In 2001, our leader Mayer Gross was frustrated by the existing mortgage processes. They were cumbersome, complicated, and confusing, and took the customers on ride for their money. He set out to turn that on its head by starting a mortgage company that values the customer experience above all else.
In not time, the company expanded and the process sold itself. People heard about Mayer’s unflinching honesty and smooth mortgage process — and the clients came running. After all, who’s interested in having a difficult and stressful experience when they can secure a better rate, minus the heartache?
Nowdays, with a growing number of mortgage masters and processors on team, Capital M has become an icon of mortgages-made-simple and a “Let’s talk tachlis” approach. With every interaction characterized by constant communication, full transparency, and real caring, Capital M has achieved the hallmark of true honesty and of getting things done.
THE M VALUES
Our company culture is based on this following set of values.
They are ones that we live by each and every day and promise to never compromise on.
We drive projects with a focus on results, bypassing the roadblocks and delivering Tachlis throughout.
We’re here to help you - no strings attached. You can call us for advice even if you don’t plan to take a mortgage with us.
We use easy-to-understand words and keep everyone involved in your mortgage up-to date.
We do whatever is in your best interest — regardless of what might be best for us.
Our entire company is built on respect: respect for our values, for our colleagues, and for our clients.
THE M SERVICES
Discover which loan is best suited to your needs.
A conventional mortgage or conventional loan is a home buyer's loan that is not offered or secured by a government entity. It is available through or guaranteed by a private lender or the two government-sponsored enterprises—Fannie Mae and Freddie Mac.
An FHA loan is a mortgage issued by an FHA-approved lender and nsured by the Federal Housing Administration (FHA). Designed for low-to-moderate-income borrowers, FHA loans require a lower minimum down payments and credit scores than many conventional loans.
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $510,400 in most counties, as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan limit require a jumbo loan.
An adjustable-rate mortgage (ARM) is a type of mortgage in which the interest rate applied on the outstanding balance varies throughout the life of the loan. With an adjustable-rate mortgage, the initial interest rate is fixed for a period of time, after which it resets periodically, often every year or even monthly.
A Non-QM loan, or a non-qualified mortgage, is a type of mortgage loan that allows you to qualify based on alternative methods, instead of the traditional income verification required for most loans.
Mortgages are a headache. The paperwork alone is enough to make any person dizzy. And having to sift through all of the fine print to figure out the best deal seems simply impossible.
But there’s more. You finally decide on a mortgage company, thinking it's all off your head now. And then ... let’s just say that the process turns out to be more than you bargained for.
You get slammed with missed deadlines, loan officers who keep you in the dark, and of course, never-ending paperwork. By the time your home actually closes, you’re left with a splitting migraine… and you wonder if buying your home was even worth it.
At Capital M, we believe the mortgage process can be 100% ainless. But not just painless. Mortgages can actually be:
We offer competitive, low rates coupled with a first-class experience. When you choose Capital M, you’re choosing patient team members who are here to help you.
They explain the entire process and keep you constantly updated — so you’re never in the dark. And they do it all with integrity, honesty, and professionalism.
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