Thank you for stopping in! It is my sincere hope that this site will give you the information you are looking for without all the stuff you don't need. Time is of the essence these days and I don't want to waste any of yours! At Capital Mortgage Services, Inc. we offer the full slate of mortgage financing options. Here you will find access to all of the loan programs currently available, including the HARP program, which will refinance your home even if you currently owe more than your home is worth. In addition to HARP we offer conventional, FHA, VA, and USDA programs so we can tailor the right loan for you. Whether you are looking to refinance in Gwinnett or purchase in Walton I have the tools and programs to help. I have been serving the state of Georgia for 15 years and I look forward to putting this experience to work for you. Buying a house and getting a mortgage has a profound impact on your overall financial picture. It is for most the biggest payment they will make every month for the next 30 years. As a result it should not be done lightly. Careful consideration should be given to the down payment that best suits your current savings, the monthly payment that best fits within your current income, and the unexpected costs of homeownership, i.e. home repairs and upkeep, homeowners association fees, etc... I will take the time to sit down with you and review your overall financial picture so you will feel confident moving forward. Here you are not a number, we value the trust you place in us and we will work hard to keep it. You can also connect with me personally through Facebook, Twitter, and LinkedIn through the links on the right of the page. I will post relevant mortgage news and views via my Blog, GA Mortgage Report, also located on the right hand side of the page. If you are curious where rates may be heading check out the Daily Rate Lock Advisory. Want to play with some numbers ahead of time? We have a full array of mortgage calculators that will provide you with the details you're looking for. You can also apply online, in the comfort of your home, and I will provide the same detailed analysis for you that I would if we met in person. Feel free to stick around and browse a bit, this site was made with you in mind. If you have any questions I am a phone call, email, or click away. Your Goals Are My Priority! Seth