4 minute read
Clients Have More Choices
Competitive rates for purchasing or refinancing
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Capital Mortgage Solutions recently moved closer to Woodstock’s business district to fulfill a professional and personal commitment to the city. That’s just one way owners Ben and Candice Thornton are positioning themselves to help their neighbors in the current housing market.
Another way is working closely with realtors to thoroughly preapprove buyers and to help their mutual clients win multiple offer situations. Navigating the industrywide shortage in available homes can be challenging, so it is more important now than ever for buyers to have a team of people dedicated to helping them. “Many houses are selling for top dollar with multiple offers. We want our buyers to win, and we have developed an approach to help them and their realtors in this hyperaggressive seller’s market,” Candice said. “We work closely with realtors on the terms of a buyer’s offer. We are a team advocating and working for our buyers.”
Capital Mortgage Solutions handles residential purchases and refinances in Georgia and Florida, serving the standard programs — conventional mortgages, FHA, VA, jumbo and high-balance mortgages are their focus.
The extra measures taken to help clients in this current climate are a natural extension of the philosophy at Capital Mortgage Solutions. The firm offers a unique, boutique oneon-one approach in which all clients — from someone who’s purchased 10 homes to the first-time homebuyer — are treated the same.
“The goal is to help clients understand the process, from A to Z,” Candice said.
“We know it can be an emotionally stressful time, so we want to take off any added stress. Clients, to us, are not just units or numbers,” she said. “We hand-hold people through the process, and we celebrate with them.”
Clients Save Time, Money
Ben has worked in all areas of residential lending, from large banks to direct lenders to small brokers, before deciding to open Capital Mortgage Solutions. After their success and experience working for other companies, Ben and Candice realized they could offer more flexibility and savings to clients within the framework of a small, local business, and so they opened Capital Mortgage Solutions.
“We opened so we could have control on the pricing we offered our clients. We wanted to have control over the process, from beginning to end,” Ben said, describing their business model as one in which they keep their overhead low so they can pass savings on to their clients.
“We save people money, because
PHOTOS BY BRIAN NEJEDLY
Candice and Ben Thornton shop multiple lenders to find the best fit - and the best prices - for their clients.
we shop multiple lenders to find which lender the client fits best with, and we shop the best prices,” Candice said. “Also, because our overhead is less, the cost to the client is much less. Our goal is to get you the best rate and the best cost, while providing the best service and experience.”
For existing homeowners, Capital Mortgage Solutions offers highly competitive interest rates that can save clients tens of thousands of dollars in interest. For clients interested in home improvements or debt consolidation, a cash-out refinance is an option. “Interest rates are still at historic lows,” Candice said. “We firmly believe now is a great time to take advantage of these low rates by refinancing.” A Part of the Community
Ben and Candice opened Capital Mortgage in 2015, bringing their 25-plus years of combined experience to a community that reminds them of their roots. They both grew up in a small town in Alabama and, when they relocated their family from a neighboring city to Woodstock, they knew they wanted to move their business here as well.
“It’s so great to literally live, work and play here in Woodstock. The city is booming, and we are thrilled to be right in the middle of the growth,” Candice said.
The Thorntons believe that being part of a live-work-and-play community means supporting activities and outreach that make life better for all residents. They enjoy being involved in sports with their son and daughter — through coaching for Cherokee Youth Football Association (CYFA) football and cheerleading, and East Cobb baseball — and want to help other families do the same. That’s why they set aside proceeds from each closing to donate toward youth sports programs.
When clients work with Capital Mortgage Solutions, Candice said they are, in turn, contributing to these great causes.
The firm has grown exponentially over the past six years, and plans include opening small branches in surrounding cities while maintaining that local-company feel.
“When members of the community think of buying or refinancing,” Candice said, “we want to be the mortgage company that comes to mind.”
