★★★★★ Trusted by hundreds of local homeowners since 1996

Home loans that lead to home memories.

Most mortgages aren’t won on rate alone — they’re won on people who answer the phone, hit every deadline, and close on time. That’s us.

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Clear Communication

5.0 ★ rated

Local & here for you

Dedicated loan support

Personalized loan options

Local market expertise

Guidance at every step

Trusted mortgage experience

- Quick 1-minute loan request
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What is your main goal right now?
- Why borrowers choose Us
A better experience, start to keys.
Speak to a local mortgage professional
No obligation, no credit check
Competitive rates & fees

You’re not choosing a loan — you’re choosing the people who get it done. Here’s what that feels like with us.

We close on time

Underwriting and processing are managed in-house, so deadlines are met and your move stays on track — no last-minute surprises.

You always reach a human

One local advisor owns your file from first call to closing table — and actually picks up the phone when you call.

We fight for your bottom line

We shop our lender relationships to land genuinely competitive pricing — and explain every fee in plain English.

No jargon, ever

We walk you through every option so you understand exactly what you’re signing — and feel confident doing it.

- Welcome to 1st Capitol Mortgage
A team that gets to know you first.

Having founded 1st Capitol Mortgage Inc in 1996 in Delaware, our Broker/Owner, Larry Knopf, is proud to expand our mortgage experience, expertise and impeccable service to the Lone Star State … doing business here as 1st Capitol Mortgage.

With Larry now a resident of Texas, we bring with us a reputation as the “calm in the center of the storm”.

A company you can rely on to be honest, transparent and accessible.

With over 27 years in business and 1000s of happy clients, your best interest is always our #1 priority.

Be sure to visit our LOAN OPTIONS tab to explore all that we offer, such as:

  • Conventional, FHA,VA and USDA loans
  • Manufactured Home loans, including Leased Land Homes
  • Buy Now Sell Later bridge loans
  • Renovation Loans
  • And MORE!
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Live Rates

National Average Mortgage Rates

National average rates updated in real-time.
Estimated payments based on a $350,000 loan.

Rates displayed are national averages sourced from Freddie Mac's Primary Mortgage Market Survey® and are provided for informational purposes only. These rates do not represent an offer to lend or a guarantee of any specific rate. Your actual interest rate will depend on your credit profile, loan amount, property type, down payment, and other factors. Rates are subject to change without notice. Contact a licensed loan professional to discuss your specific situation and receive a personalized rate quote.

- Client Stories
The proof is in how people feel after.
- Client Resources
Everything you need, in one place.

Explore our calculators, loan programs, and insights — then request a free consultation whenever you’re ready.

Mortgage Calculator

Run different scenarios – purchase, refi, rent vs. buy, VA and more…

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Mortgage Insights

All things mortgage: insights, trends, and resources from our team.

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Loan Programs

Familiarize yourself with the loan programs we offer and who they fit.

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Start Application

Begin your secure mortgage application online today – at your pace.

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Let's get your loan done right.

A quick call with a local advisor is the easiest first step. No pressure, no credit check.

Request A Quote
Get Preapproved
Speak to a local mortgage professional
No obligation, no credit check
1-Minute request
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