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(559) 697-5322 NMLS: 1156766


1: Pre-Approval

A loan pre-approval sets you up for a smooth home buying experience.

2: Shop

At this stage, it’s a good idea to start working with a real estate agent and viewing homes.

3: Loan Application

A few documents are needed to get a loan file through underwriting.

4: Loan Processing

Assemble all the necessary paperwork and details for the underwriter.

5: Underwriting

They closely evaluate all the documentation prepared by the loan processor in the loan package.

6: Closing

Documents  are drawn and sent to the title company where the closing meeting takes place.


Fill out our simple online mortgage quote form and you will receive a quote tailored to specifically to your needs.  There is no obligation. Our dedicated staff is here to answer any questions you have. Whether you are first time home buyer or an experienced buyer you are in good hands.

Request A Quote

Welcome to First Capital Group

First Capital Group is a leading Central California mortgage company. Work with seasoned mortgage and real estate professionals that will guide you through the entire refinance or home purchase process.

First Capital Group’s approach to business is strikingly simple; it is relationship-based versus transaction-based. We pride ourselves on building lifetime relationships with our clients and business partners through integrity, expertise, and unparalleled service.  We believe that actions speak louder than words; this is why our reputation and success continues to grow with each new relationship. Clients benefit from working with a dedicated team of highly trained and educated professionals with years of Real Estate and Mortgage industry experience.

Your Goals + Our Planning = Total Strategy

The First Capital Group team is small enough to give you the attention you need, and experienced enough to assist you through numerous challenges present in today’s lending environment. No elevators, no phone trees, no banker’s hours, no financial fast food — just a simple team structure that facilitates an intimate, client-focused approach to mortgage planning. Creating a profound rapport makes us accountable for our services. Additionally, it empowers us to form customized strategies for individuals, families, and business enterprises.

Our clients benefit from having access to a wide sphere of loan products while completing only one application.  Our banking relationship with Right Start Mortgage, Inc. affords unique financing packages, flexible underwriting and expedient closings.


"The team at First Capital work hard through the whole process to make sure that their clients receive the most CURRENT information about the loan process. They are committed to providing excellent customer service which is evident in all my dealings with them. It's a very talented team."

Greg A.

"Rilian did an outstanding job of explaining the entire loan process in a way that made sense. I would definitely recommend his services."

Ben R.

"My name is Cheryl Kyker and in have been in real estate for 30 years. Over the past 30 years I have worked with a lot of lenders. Heather gives my clients great personal service, and always takes the time to talk with them to answer any questions they have,…

Cheryl K.

"My name is Laurie Olivares I am an agent with Modern Broker. I enjoy working with Heather Rozzell because she is organized and efficient. Communicates with me through the whole transaction and has the amazing ability to make my clients feel very comfortable. Heather Rozzell goes the extra mile. I…

Laurie O.

"Thank you Heather for all of your hard work getting us a home loan. Our experience was an excellent one and we appreciated you keeping us informed throughout the process and accommodating our crazy work schedules. You always followed through and we are happy to refer people to you and…

Eric G.

"Heather we want to thank you for guiding us through the mortgage process. As first time home buyers we had no clue what to expect and how the process worked. We appreciate you taking the time to help us understand the process and for making our experience so quick and…

Elizabeth C.

"My family and I have had the pleasure of working with Heather Rozzell multiple times, first as a Realtor and most recently as a mortgage lender. Heather always took the time to listen to what our needs were and she always had our family’s best interest at heart. We were…

Mark R.

"I've been a Realtor for about 9 years and have experience in Tulare County, Kings County and Fresno County. During my Real Estate career I've had the pleasure of meeting several amazing loan officers. However, my expectations have not always been met and my goal is to ensure that my…

Natalie I.

"Rilian sees the big picture and helps you understand the complex world of Real Estate Finance. He is very patient at explaining details and brilliant at problem solving. He is an advanced thinker, yet patient enough to hold your hand through the basic fundamentals. If you want results, make sure…

Robert A.

"I just wanted to thank you for the "GREAT" job you did in assisting us in the closing of the Hulse's property! I have been selling real estate in California for over 28 years and I can honestly say that I can't recall a smoother transaction which included a lender…

Rick J.

"I have had several good and some no so good lenders over the years, but I feel compelled to mention the type of service and level of professionalism that I received from Heather Rozzell and Rilian Ball's team at First Capital Group of Visalia. These people have gone out of…

Roger D.

"For many people like myself, finance is confusing and difficult. Rilian and his team at First Capital are SO EASY to work with, I know they are concerned about my family's needs, and they are good at reminding us about what we need to do to get our transaction done…

Danielle G.
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