336-647-8998
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FIND THE
PERFECT LOAN
FOR YOUR
PERFECT HOME


PURCHASE REFINANCE

We offer the assistance you need to help in all of your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process.

Apply Now

How Much Can I Afford?

Pay Off Your Mortgage Early or Invest? How to Make the Right Financial Move

Pay Off Your Mortgage Early or Invest? How to Make the Right Financial Move

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Should you pay off your mortgage early or invest extra cash? Compare the pros, cons, risks, and returns to find the best financial strategy for your goals.

How to Buy a Small Rental Property with an FHA Loan

How to Buy a Small Rental Property with an FHA Loan

May 21, 2026

Owner-occupants can use an FHA loan to purchase a 2–4 unit property using rental income to help qualify. Here's how it works and what lenders require.

How Adjustable-Rate Loans Work and When They Make Sense

How Adjustable-Rate Loans Work and When They Make Sense

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Learn how adjustable-rate mortgages work, including fixed periods, rate caps, and adjustment schedules. Find out if an ARM could save you money.

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating
5.0
18 reviews
Write a Review
Lester DODSON
Mr. Eric was very professional and always courteous. Knowledgeable and made me feel comfortable in this process of refinancing my home.
Mr. Eric was very professional and always courteous. Knowledgeable and made me feel comfortable in this process of refinancing my home.

Lester DODSON

2 months ago

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Rodney Williams
I had a great experience. Mr. Eric Stone was very helpful and informative. He went the extra mile in every way he could
I had a great experience. Mr. Eric Stone was very helpful and informative. He went the extra mile in every way he could

Rodney Williams

4 months ago

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Anderson Murphy
Eric Stone was great with walking me through the process and everything was successful
Eric Stone was great with walking me through the process and everything was successful

Anderson Murphy

4 months ago

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Lernard Chambers
If you need any help with finances for a home or investment property Eric is very knowledgeable and helpful with any questions will recommend.
If you need any help with finances for a home or investment property Eric is very knowledgeable and helpful with any questions will recommend.

Lernard Chambers

4 months ago

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Vianney Lucero
From the moment we contacted Eric he was responsive and we knew we were in good hands. He explained and worked with us to find the correct type of loan for us. Truly professional and knowledgeable.
From the moment we contacted Eric he was responsive and we knew we were in good hands. He explained and worked with us to find the correct type of loan for us. Truly professional and knowledgeable.

Vianney Lucero

6 months ago

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Ronda Johnson
In working with Eric, I received professional and extremely professional service, especially his timeliness for responding to calls and emails. He was very easy to talk to and with all the new changes to buying a home in today’s market, through his level ...
In working with Eric, I received professional and extremely professional service, especially his timeliness for responding to calls and emails. He was very easy to talk to and with all the new changes to buying a home in today’s market, through his level of communication I had a complete understanding of the mortgage process from beginning to end. I will use him again along with referring family and friends in the future. Tony Carter, Regional Memorial Cremations & Funeral Services, Inc.
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Ronda Johnson

6 months ago

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Lina Xie
Thank TCM for helping me successfully apply my investment property loan in a very short time! Mr. Eric Stone is very professional for multiple types of loans. He is always very patient to help clients understand all the details of different loans. And wit ...
Thank TCM for helping me successfully apply my investment property loan in a very short time! Mr. Eric Stone is very professional for multiple types of loans. He is always very patient to help clients understand all the details of different loans. And with a huge amount of knowledge, he can always help us find the right financial solution to meet our request go. Currently he is helping me with a new application. I am very confident that he will help me out successfully again. I highly recommend TCM!
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Lina Xie

8 months ago

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Kurt Holmes
I had an outstanding experience working with Mr. Eric Stone. From start to finish, he was professional, knowledgeable, and incredibly responsive. He made our home purchase simple and stress-free. His attention to detail and commitment to getting me the be ...
I had an outstanding experience working with Mr. Eric Stone. From start to finish, he was professional, knowledgeable, and incredibly responsive. He made our home purchase simple and stress-free. His attention to detail and commitment to getting me the best rate possible were truly impressive. I felt confident and supported throughout the entire transaction. I highly recommend Mr. Eric Stone to anyone looking for a smooth, efficient, and personalized mortgage experience! Dr. Kurt Holmes and LaRonda Holmes
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Kurt Holmes

9 months ago

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Chinishe Ray
I highly recommend Mr. Stone with True Capital Mortgage. Mr. Stone was extremely professional, knowledgeable, accessable & supportive throughout the entire approval process. This purchase was very personal and Mr. Stone kept me focused to accomplish my go ...
I highly recommend Mr. Stone with True Capital Mortgage. Mr. Stone was extremely professional, knowledgeable, accessable & supportive throughout the entire approval process. This purchase was very personal and Mr. Stone kept me focused to accomplish my goal. I can't say thank you enough for guiding me through this process. I'm definitely looking forward to working with Mr. Stone & True Capital Mortgage on my next project. Sincerely, Chinishe Ray
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Chinishe Ray

9 months ago

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John Mutters

John Mutters

10 months ago

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Kyle Meggison
Eric saved my contract from falling through. Thanks for helping me get my dream house your a life saver
Eric saved my contract from falling through. Thanks for helping me get my dream house your a life saver

Kyle Meggison

1 year ago

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Cynthia Bencomo
Eric was super quick and very communicative during the whole process! Got a great deal and it was sealed with his hard work! I would definitely recommend him!
Eric was super quick and very communicative during the whole process! Got a great deal and it was sealed with his hard work! I would definitely recommend him!

Cynthia Bencomo

1 year ago

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Royce Wells
Great to work with! Clearly explained all my options. Answered every email within 6 hours! I wish all my transactions went this smoothly!
Great to work with! Clearly explained all my options. Answered every email within 6 hours! I wish all my transactions went this smoothly!

Royce Wells

1 year ago

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Clinton Dubose
During the transaction with True Capital Mortgage, I was very pleased with Eric Stone. He was very professional and exemplary in his customer service! At the end of the day, customer service is the most important factor in this type of transaction. I w ...
During the transaction with True Capital Mortgage, I was very pleased with Eric Stone. He was very professional and exemplary in his customer service! At the end of the day, customer service is the most important factor in this type of transaction. I would recommend Eric and gladly do continued business in the future. Kindest Regards, Clinton DuBose
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Clinton Dubose

1 year ago

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E Andreal Hoosman

E Andreal Hoosman

1 year ago

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New Paige
Not only is Eric Stone a consummate professional, he really cares enough to work with his clients so that a "no" is NEVER a "no", its ALWAYS, "we'll work this out". No matter your financial situation, True Capital Mortgage can match you with the right fin ...
Not only is Eric Stone a consummate professional, he really cares enough to work with his clients so that a "no" is NEVER a "no", its ALWAYS, "we'll work this out". No matter your financial situation, True Capital Mortgage can match you with the right financing at market rates without tacking on hidden fees. Weak credit score, high debt? Never fear! You'll get honest feedback and a plan of action that will result in you acquiring the property of your dreams. Highly recommend him to family and friends!
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New Paige

1 year ago

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tony fairley
Eric is truly the best at what he does. He took the time to find me the best loan product based on my needs. He's a vital part of my team and my success as a real estate broker and investor. I highly recommend True Capitol Mortgage.
Eric is truly the best at what he does. He took the time to find me the best loan product based on my needs. He's a vital part of my team and my success as a real estate broker and investor. I highly recommend True Capitol Mortgage.

tony fairley

2 years ago

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Michael Stephenson
Eric Stone made this purchase very easy from start to closing. With me being a truck driver and buying my first rental property time was not on my side but Eric made it happen. Look forward to doing more business with Eric Stone and True Capital Mortgage ...
Eric Stone made this purchase very easy from start to closing. With me being a truck driver and buying my first rental property time was not on my side but Eric made it happen. Look forward to doing more business with Eric Stone and True Capital Mortgage in the coming months. Thank you very much and God bless.
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Michael Stephenson

2 years ago

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