Welcome to the FAST FUNDED™ Government Loan Hub
Home loans backed by trust, speed, and simplicity. Whether you're a first-time buyer, a veteran, or looking for a lower down payment option, we've got the perfect government-backed loan solution for your homebuying journey.
Get Pre-Approved in 5 Minutes
Loan Programs Available
Our government-backed loan programs offer flexible solutions to help you achieve homeownership with competitive rates and lower entry barriers than traditional financing. Each program is designed to address specific needs, making the dream of owning a home accessible to more Americans.
FHA Loans
Perfect for first-time homebuyers with moderate credit and limited savings for down payment.
VA Loans
Exclusive benefits for veterans and active-duty military with no down payment required.
Conventional Loans
Ideal for buyers with stronger credit profiles looking for competitive rates and terms.
Reverse Mortgage
A reverse mortgage allows homeowners aged 62 and older to convert a portion of their home equity into cash—without having to sell or make monthly mortgage payments
Manufactured Homes
A manufactured home loan helps you finance a factory-built home that’s built after June 15, 1976 and meets HUD standards. These loans can be used for purchase, refinance, or lot/home combo financing.
One Time Close/Renovation Loans- Primary Residence
A renovation loan allows you to buy or refinance a home and roll in the cost of repairs or upgrades—all in one loan. Perfect for fixer-uppers or homes that need a little TLC!
FHA Loan (Federal Housing Administration)
Best for: First-time homebuyers, moderate credit scores, or low down payment buyers
FHA loans open doors to homeownership with their flexible qualifying guidelines and forgiving approach to past credit issues. With just 3.5% down payment (which can come as a gift), these loans make homeownership accessible even for buyers who thought they couldn't qualify.
  • Minimum 580 credit score requirement
  • Lower interest rates than many conventional options
  • Can finance 1–4 unit properties (must live in one)
  • Flexible guidelines for past credit challenges
VA Loan (Department of Veterans Affairs)
Best for: Veterans, active-duty military, and surviving spouses
VA loans represent our nation's gratitude to those who served, offering unmatched benefits in the mortgage industry. These loans require no down payment and no private mortgage insurance, saving veterans thousands of dollars over the life of their loan.
  • $0 down payment requirement
  • No private mortgage insurance (PMI)
  • Flexible credit guidelines for qualifying veterans
  • Can finance 1–4 units (if you live in one)
DD-214 or Certificate of Eligibility required
Conventional Loan
Low Down Payment Options:
As low as 3% down for first-time homebuyers, making homeownership accessible with less cash upfront.
Flexible PMI Options:
No upfront mortgage insurance fee and PMI can be removed when equity reaches 20%, lowering your monthly payment.
Property Flexibility:
Ideal for primary residences, second homes, and investment properties with competitive rates and fast closings.
Conventional loans are perfect for buyers with stronger credit profiles looking for competitive terms without government backing. These loans offer speed and flexibility for a variety of property types and purposes.
Reverse Mortgage
Access Your Home Equity
A reverse mortgage allows homeowners aged 62 and older to convert a portion of their home equity into cash to use as needed.
Stay in Your Home
Enjoy financial flexibility without having to sell your beloved home, maintaining your independence and lifestyle.
No Monthly Payments
Eliminate the burden of monthly mortgage payments, freeing up your cash flow for other important expenses.
Manufactured Homes
Best for: Financing factory-built homes meeting HUD standards
A manufactured home loan provides a pathway to financing a factory-built home that adheres to HUD standards and was constructed after June 15, 1976.
These versatile loans can be utilized for various purposes, including purchasing a new home, refinancing an existing one, or combining lot and home financing.
One-Time Close/Renovation Loans - Primary Residence
A One-Time Close (OTC) loan simplifies the homeownership journey by allowing you to finance both the purchase of a property and its construction or renovation costs through a single loan.
This innovative solution is perfect for buyers looking to build a new home from the ground up or transform an existing property with significant upgrades. By combining financing into one transaction, OTC loans save you time, reduce closing costs, and streamline the entire process, making your dream home a reality with greater ease.
Why Choose the FAST FUNDED™ Govt Loan Hub?
When it comes to securing government-backed financing for your home purchase, the process matters as much as the product.
Our streamlined system combines cutting-edge technology with human expertise to deliver a superior mortgage experience.
5-Minute Pre-Approvals
Get your answer in minutes, not days, with our accelerated pre-approval system.
Soft Credit Pull
Check your options with zero impact to your credit score—we use advanced soft pull technology.
Streamlined Documents
Our secure portal makes uploading and managing your loan documents simple and stress-free.
Expert Support
Licensed mortgage professionals review every application, ensuring you get the best possible terms.
Not Sure Which Loan is Right for You?

Find Your Perfect Loan Match in 60 Seconds
Our proprietary algorithm analyzes your unique financial situation to recommend the ideal loan program that maximizes your benefits while minimizing costs.
With dozens of loan variations available, finding the perfect fit can be overwhelming. Our Loan Match Quiz takes the guesswork out of the equation by analyzing your credit profile, income stability, down payment availability, and homeownership goals.
Powered by Capital City Mortgage & Tunita Bailey, The Money Lady
Behind our technology stands a team of dedicated mortgage professionals with decades of combined experience in government-backed financing. Capital City Mortgage has helped thousands of families nationwide achieve homeownership through FHA, VA, and Conventional loan programs.
Led by Tunita Bailey, "The Money Lady," our team specializes in finding creative solutions for unique borrowing situations. We pride ourselves on maintaining a perfect 5-star customer satisfaction rating across all major review platforms.

NMLS #639787 | Licensed in all 50 states | Equal Housing Opportunity
Ready to Get Fast Funded?
Your dream home is waiting, and we're here to help you secure the financing you need with the government-backed benefits you deserve. Start your journey to homeownership today with any of these simple next steps:
Start Pre-Approval
Get your official pre-approval letter in just 5 minutes to start shopping for homes with confidence.
Talk to a Specialist
Schedule a free consultation with one of our loan experts to discuss your unique situation.
Compare Options
Download our comprehensive guide comparing all government-backed loan programs side by side.