Welcome, and thank you for visiting my profile (photo to follow).  First Capital Mortgage is a well established broker/banker with offices in NJ, FL and PA.  As a broker it gives me the opportunity to service my clients by providing the best possible mortgage solutions.  It's a tough market out there now with so many lenders changing their guidelines (sometimes daily), and it is better to have as many choices for placement as possible.  If your borrowers are having a tough time finding a mortgage company that will provide financing, I have the solutions.