Gapital

Frequently Asked Questions About the Gapital Guarantee

01/24/2022 01:43 PM By Cody Stevens

What is the Gapital Guarantee?

We will shop the best mortgage rates on the market for you and put you in the absolute best financial position possible for your goals. 

Is there fine print?

Because our guarantee is based on professional opinion, Gapital Mortgage reserves the right to rescind or modify the terms of this guarantee without prior notice.

How does Gapital consistently beat its competitors?

We're not like any other mortgage company — plain and simple.

We're not just dedicated to our process to make it easy on you. We know that having a great process, great technology and amazing people allows us to utilize every saved dollar to give you a better price on your mortgage.

What is a Loan Estimate?

This three-page form provides you with important information, including the estimated interest rate, monthly mortgage payment, and closing costs of your mortgage loan. It's a standard form that all lenders are required by law to provide you within three business days of submitting your application.

A Loan Estimate is important for comparing pricing across mortgage lenders, and because this document commits a lender to certain fee tolerances, it reduces the risk of a bait-and-switch offer.

Cody Stevens

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At Gapital, we're all about keeping things human. We're here to make buying real estate a breeze and help folks grow their wealth through ownership.

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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