Gapital Mortgage

Mortgage the right way.

See how we can help you with your home purchase or refinance.
Apply for a Mortgage
Gapital Mortgage Get Pre-approved

Our process is designed for you.

Constant online access makes creating your American dream convenient and easy.

1. Answer some questions

Answer some basic questions, and securely upload your financial info with the click of a button.

2. Tailor your options

Have a specialist help you make a decision that’s perfect for you.

3. Close your loan

Our team will take you through our stress-free closing process.

See your mortgage options, transparently.

A quote from Gapital is one you can trust. We'll show you side by side rates and programs, so your comparison is easy to understand. 

Our pros also factor in all closing costs, so there are no surprises, and you can trust the number when comparing them to others on the market.

Get to know all your mortgage options.

First-time Homebuyers

VA Loans


Home Equity Line of Credit

Self Employed


Jumbo Loans


Cash Buyer Program

The right way to buy or refinance

Our pros focus on putting you in the best financial position possible. Whether it's your first house or another investment, we search thousands of loan products. We find the best interest rate, program and overall mortgage for your needs.

Start Your Application

Why use a mortgage broker instead of a lender?

As a mortgage broker, Gapital earns its money by aligning with what's best for you — the customer. In fact, our entire company is built around serving you in the best way possible, pairing phenomenal rates and fees with a 5-star experience. We're not limited by the rates our company sets or the products it offers. We search hundreds of loan products and numerous mortgage lenders to find the best program and interest rate that serves your needs.

We do the heavy lifting.

We're a single source for your mortgage needs, searching thousands of products to find what fits you best.

We shop your rate for you.

As one of the top brokers in the country, we have phenomenal relationships with lenders, and we pass those benefits on to you with lower rates and fees.

Gapital Guarantee

We have one focus: to shop the best mortgage rates and products on the market for you and put you in the best financial position possible for your goals.

See the source image Powering the American dream.     

We believe the American dream is alive and well. Owning dirt is one of the most important goals on Earth, and we're blessed to live in a place where that's possible. That's why we are incredibly passionate about empowering homeownership through value-driven financing, designed to put you in the best financial position possible and accomplish your dreams.

Find your new dream home.

Search up-to-date home listings in your area and get connected with a trusted real estate agent that understands your market.

Our #GapitalPartners make it easy.
Start Searching

Frequently Asked Questions

What is a pre-approval?
The first step in the mortgage process is to get pre-approved, which is a statement of how much money you can borrow to buy a house or refinance your current one.
Do I need to get a loan before I find a home?
By going through the pre-approval process, you will know how much you qualify for, saving time during your house search by eliminating the homes out of your price range.
What’s required to get pre-approved?
To get pre-approved for a home loan, you'll simply fill out your online application and upload the requested documentation to our secure portal. From there, a Gapital Pro will review your financial information such as your income, assets and credit and pair you with the best mortgage option for you.
How can I find out my credit score?
To find out your true FICO® score, which is the score used to qualify you for a mortgage, we can either run it for you, or you can sign up on myfico.com. In addition, some credit card providers and third-party sites offer a Vantage score. This won't give you your actual credit score, but you can definitely use it as a reference point.
Why should I get pre-approved, now?
If you are searching for homes, sellers want to know that a reputable mortgage company has already vetted you and will approve you for a mortgage. If you find a home you like, you will not be able to submit an offer without a pre-approval.
How quickly can I get pre-approved?
Getting pre-approved is a quick process. Once you fill out a loan application we will run your credit to determine the loan amount and rate you can qualify for.
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Real feedback from our customers

Get started with a Gapital pro.

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Gapital Mortgage is committed to simplifying the mortgage process through a human-to-human approach and creating opportunities for better lives.

Company
Contact Us

972-777-9820

Legal    

NMLS #1553267 – Gapital Mortgage, Inc. is a mortgage broker with its main office at 2770 W First Street, Suite 20, Prosper, TX 75078. Telephone Number (972) 777-9820. Loans made or arranged pursuant to a California Finance Lenders Law License. – Not available in all states. © Gapital Mortgage, Inc. All rights reserved.

Texas Mortgage Company Disclosure

In compliance with the Texas Dept. of Savings & Mortgage Lending


Gapital Mortgage, NMLS 1553267

Duties and Nature of Relationship: 

We will submit your loan application to a participating lender which we may from time to time contract upon such terms as you may request or a lender may require. In connection with this mortgage loan, we are generally acting as an independent contractor and not as your agent. 


How we will be compensated: 

The retail price we offer you – your interest rate, total points, and fees – will include our compensation. In some cases we may be paid all of our compensation by you or by the lender or investor. CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV