Epic Capital has built a strong reputation in the Northern California region as an outstanding mortgage brokerage firm serving the lending needs of real estate professionals, builders and individual homebuyers.

We're a full service real estate lender with an experienced staff located in Folsom, California. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan - with the best rates, terms and costs - to meet our clients' unique needs. But that's just the beginning of our service. Throughout the lending process we provide regular loan updates and progress reports so clients always know the status of their loan.

With Epic Capital you not only have access to the best loans available in the marketplace, but you can review loan alternatives, and even apply for your loan, at your convenience, online – 24/7. 

Specialty Mortgage Programs

In addition to our outstanding purchase and refinance options, Epic Capital offers a complete spectrum of "specialty" financing, as varied as your individual objectives. Listed below are other types of loans that are in addition to the typical 30 and 15 year fixed and Adjustable Rate Mortgages. If you don't see what you are looking for here, call us. Chances are we can provide an option tailored to your specific needs. 

• CONSTRUCTION LOANS
  Building a new home? Our seasoned construction lending officers are experts in the challenges that construction loans present. Construction budgets, cost breakdowns, draw schedules, are often foreign terms if you haven’t built before. Our officers can help walk you through the construction loan process, helping make sense of how it all comes together. 
• LOT LOANS
  Whether it's a small lot or 100 acres, Epic Capital offers financing to purchase or refinance your dream home site. Fully documented programs to 95% of the purchase price, and No Income Verification loans to 80% are available.  
• REMODEL/REHABILITATION PROGRAMS:
  Wish you could add on that new kitchen or bedroom, remodel the master bath, or landscape, but don't have the available cash or equity in your home? Our remodel loans allow you to fix up your home while using its completed value to determine the loan amount. Also, this is a great loan when buying that "fixer upper" that's been on the market for an extended period of time, and needs a little TLC.  
• BRIDGE LOANS:
  Bridge loans allow you to access the equity in your currently listed home in order to purchase or build your new dream home. In many cases this can be accomplished without having to write monthly checks for 2 mortgages, and thereby allowing you to qualify easier.  
• SECOND MORTGAGES AND HOME EQUITY LINES OF CREDIT:
  Second mortgages allow for you to capture the equity you have in your property and use it to pay off other debt, improve your property, or just about anything else. Often this is the cheapest way to finance a large purchase or obtain capital for a new investment.  
• NO INCOME VERIFICATION LOANS (NIV):
  For many people, submitting volumes of tax returns, Profit and Loss statements, Rental Lease agreements, W2's, and paystubs to qualify simply requires more effort than they would like. NIV loans do not require income documentation. Good to excellent credit does become more critical and typically more equity or down payment is required.  
• LOW DOWN PAYMENT PROGRAMS:
  The dream of homeownership is attainable with little or no down payment through government bond programs, down payment assistance organizations, or conventional No Down Payment / High Loan to Value programs. Both Fannie Mae and Freddie Mac offer 100% loans, and other loans are available for seller credits for Closing Costs, Seller Financing, and even Jumbo and 2nd home programs with no down payment requirements are available.  
• REVERSE MORTGAGES:
  A "reverse" mortgage is a loan against your home that you do not have to pay back as long as you live there. With a reverse mortgage, you can turn the value of your home into cash without having to move or to repay the loan each month. The cash you get from a reverse mortgage can be paid to you in several ways:  
  • all at once, in a single lump sum of cash;  
  • as a regular monthly cash advance;  
  • as a "credit line" account that lets you decide when and how much of your available cash is paid to you; or  
  • as a combination of these payment methods.

No matter how this loan is paid out to you, you typically don't have to pay anything back until you die, sell your home, or permanently move out of your home. To be eligible for most reverse mortgages, you must own your home and be 62 years of age or older.