General Mortgage Capital Corporation (GMCC) is a Direct Lender/Mortgage Lender headquartered in California and has been expanding nationwide. Our rental cash flow mortgage programs (DSCR) also covers 48 states including Washington DC, Florida, Georgia, Hawaii, New Hampshire, New York, Ohio, South Carolina, Virginia, Washington, etc. We do specialize in Prime Jumbo/Non-QM, Agency mortgage loans with an in-house underwriting ($100k to $5 million), in-house doc and funding (up to $10 million), for efficient turnaround times with over 400+ Licensed Loan Officers to help. 

Programs

GMCC offers many unique programs, including but not limited to: 

• Primary Jumbo Purchase (10% down $2 million, 15% down $3 million, No Mortgage Insurance). Primary Jumbo Cash-Out is allowed from zero to $5 million with loan/value uo to 80%. Minimum FICO score of 700 is required.
• Buy without selling first. Home Purchase without the need to sell your departing primary residence first but can exclude the departure PITI
• Investment Jumbo 2-4 units; might allow 15-20% down payment/ Jumbo Investment Cash-Out with Asset Depletion

DSCR Rental Cash Flow Program (No employment or Tax Return Required) 

• Borrowers (non-citizenship, limited credit history, RSU/Bonus, less than 2 years, H1 VISA, F1 w/ EAD card) 

Medical Doctor Programs - 0% down $1 million, 5% down $1.5 million with the option of no Mortgage Insurance 

• GMCC Sustainable Program - Solar Panel House (not allowed by Regular Programs) 

Last but not least, we do offer conventional agency programs as a direct seller to Fannie Mae/ Freddie Mac for conforming (high balance) loans. 

All programs are subject to credit approval, do no guarantee credit decion. 

 

GMCC: Equal House Lender

DRE 01509029 NMLS 254895

1350 Bayshore Highway, Suite 740 

Burlingame, CA 94010

Our current headquarter is located in Burlingame, CA with several branch offices across 7 states (CA, TX, AZ). We have expanded our mortgage-based solutions into a wide portfolio of home purchase, refinance, and home equity products. We are currently licensed in 48 states and have earned a number of awards and accolades along the way. 

 

GMCC is dedicated to making the mortgage process easy. Our culture is based on honesty, humility, integrity, and service.

Our mission is simple: to provide you with sound advice and benfit to your financial needs while facilitating a straight-forward, transparent mortgage process for buyers, sellers, and realtors. 

The goal at GMCC is to be recognized as the leading and most reputable mortgage company in the nation. We begin that process by earning your trust through knowledge and communication. You, as the customer, are our first priority and we pride ourselves on developing rewarding, long-term customer relationships.