Paula Beck

Phone: (949) 759-3757
Fax: (949) 644-6591
Email: pbeck@firstcapitalmtg.com

With loan originations in excess of $2.5 Billion per year and growing, First Capital is the preeminent mortgage broker/banker in the United States.  We pride ourselves on offering highly personalized service to our realtor base and their clientele.  Our size and volume of transactions makes us a powerful negotiator and enables us to secure the best rates available.  Working with hundreds of lending institutions allows First Capital to be on the cutting edge of creative financing and offer an extensive array of mortgage programs.  With one loan application, First Capital is able to perfectly match the lending sources to the needs of our client, saving time, expense and effort.  Our service is unparalleled – from the moment we take the application through the close of escrow, our clients are kept fully informed as to the status of their loan.  First Capital provides mortgage financing from the first time homebuyer programs through multi-million dollar luxury home purchases.

It is often difficult to navigate the mortgage process.  Banking and lending institutions are constantly changing products and qualification requirements.  Our loan officers and highly experienced staff team up to not merely place loans, but to structure loans that are right for our clients.  We at First Capital have positioned ourselves to provide all of our clients with truly remarkable services, each and every day.

 Special Niches include:

• Super Jumbo Loans
• Construction Financing
• Cross-Collateralization
• Interest Only
• 100% Financing (no down payment)
• Cash-Out Refinances
• Non-Owner Occupied Loans
• EZ Qualifiers (no tax returns)
• First Time Buyer Program
• Second Homes / Vacation Homes
• Sub-Prime Loans

A California Native, Paula is a licensed broker. She was brought on board to broaden the client base. Paula, who has been originating loans since 1980, started her career working for a developer managing the construction loan department. Her financial background includes owning her own mortgage company. First Capital provides the convenience of a one-stop shop. Its expanding client base includes agents from other real estate firms.

Downloads:
· Loan Application (Download PDF)
· Disclosure Forms (Download PDF)
· Payment Schedule (Download PDF)
· Loan Calculator (Download Excel File)
· Download Acrobat Reader