Conventional
Flexible, widely-used financing for primary homes, second homes, and investment properties — with options to drop mortgage insurance as you build equity.
As low as 3% down Fairway Home Mortgage · Eden Prairie, Minnesota
Your Twin Cities home loan team.
The Capistrant Mortgage Group helps first-time buyers, growing families, and investors finance their next move — with clear answers, fast turn times, and a team that picks up the phone.
Conventional · FHA · VA · USDA
DSCR investor financing
Local, responsive service
Team Lead
Sam Capistrant
What we finance
Loan programs for every kind of buyer
From your first home to your next investment property, the team will match you with the program that fits — and explain exactly how it works.
FHA
Government-backed loans built for buyers with smaller down payments or building credit. A popular first step into homeownership.
3.5% down · flexible creditVA
A hard-earned benefit for Veterans, active-duty service members, and eligible spouses — often with no down payment and no monthly mortgage insurance.
0% down for eligible vetsUSDA
Zero-down financing for eligible homes in qualifying rural and suburban areas. A great fit for buyers outside the urban core.
0% down · rural & suburbanJumbo & Renovation
Financing above conforming limits, plus renovation loans that roll the cost of improvements into a single mortgage.
Higher balances · fixer-uppersRefinance
Refinance to reduce your payment, shorten your term, or access equity for goals like home improvements or consolidating debt.
Lower rate · tap equity First-time homebuyers
Your path to the keys, in seven steps
Buying your first home shouldn't feel like a maze. Here's the route we'll walk together — and we're with you at every turn.
Get pre-approved
Share some basic income, asset, and credit details. We'll tell you what you can borrow and hand you a pre-approval letter to shop with confidence.
Set your budget
We map your comfortable monthly payment — including taxes and insurance — so you shop for homes that fit your life, not just the loan.
Find your home
Work with your real estate agent to tour homes. Already have one? Great. Need a referral? We know trusted local agents.
Make an offer
When you find the one, your agent writes the offer and we provide the pre-approval that helps it stand out to sellers.
Lock & process
Once your offer is accepted, we lock your rate and our team gathers documents, orders the appraisal, and moves your file through underwriting.
Underwriting & approval
Underwriting reviews everything and issues your approval. We keep you posted and tackle any conditions together — no surprises.
Close & get the keys
Sign at closing, fund the loan, and the home is yours. We're still here afterward for any questions down the road.
Real estate investors
Grow your portfolio with DSCR financing
Qualify on the property's rental income — not your personal income. Run the numbers below, then let's talk strategy.
What makes DSCR different
A Debt-Service-Coverage Ratio (DSCR) loan looks at whether a property's rent covers its mortgage payment, rather than relying on W-2s, tax returns, or debt-to-income ratios. For active investors, that can mean a simpler path to financing the next door.
- Qualify based on projected rental income
- No personal income or employment verification on many programs
- Finance single-family rentals, condos, and small multi-unit properties
- Build a portfolio without your DTI getting in the way
DSCR quick calculator
1.20
Debt-Service-Coverage Ratio
Illustrative only. A ratio of 1.00 means rent equals the payment; many programs look for 1.00+ , though some allow lower with compensating factors. Your loan officer confirms guidelines for your scenario.
Talk Investor Strategy Plan your numbers
Mortgage calculators
Estimate a monthly payment or see what you might afford. These are quick illustrations — your loan officer gives you real, personalized figures.
Monthly payment estimator
$2,134
Estimated principal & interest / month
Excludes property taxes, insurance, HOA, and mortgage insurance. For illustration only.
What can I afford?
$1,280
Estimated payment budget (at 36% DTI) / month
Uses a 36% debt-to-income guideline. Actual limits vary by program and lender review. Illustration only.
Meet the team
The Capistrant Mortgage Group
Three loan officers, one standard of service. Reach out to any of us — or start your application with whoever you'd like to work with.
Team Lead
Sam Capistrant
NMLS #2029309 · Licensed in MN, MT, ND, WISam leads the team with a focus on making the mortgage process clear, fast, and genuinely personal. From first-time buyers to investors building a portfolio, he treats every file like it's his own.
Loan Officer
Adam Smith
NMLS #2740298 · Licensed in MNAdam is hands-on and responsive, known for breaking a complicated process down into plain language and being available when his clients need an answer.
Loan Officer
Luke Hoffman
NMLS #2725671 · Licensed in MNLuke pairs sharp attention to detail with a steady, no-pressure style — guiding buyers from pre-approval through closing and keeping everyone in the loop along the way.
Ready when you are
Whether you're buying your first home, refinancing, or financing your next investment, the Capistrant Mortgage Group is ready to help. Get pre-approved or just ask a question — no pressure.
Good questions
Frequently asked
Answers to what buyers and investors ask us most. Don't see yours? Reach out — we're happy to help.
The team works across the full range of Fairway programs — Conventional, FHA, VA, and USDA — plus jumbo, renovation, and new-construction financing. They also handle investor loans, including DSCR (debt-service-coverage) financing for rental properties.
The team is led by Sam Capistrant (NMLS #2029309) and includes loan officers Adam Smith (NMLS #2740298) and Luke Hoffman (NMLS #2725671). You can call, text, or email any of them directly, or start an application online with whoever you'd like to work with.
Start by reaching out to any member of the team or beginning an online application. You'll share basic income, asset, and credit information, and a loan officer reviews it to determine the loan amount you may qualify for. A pre-approval letter helps you shop with confidence and strengthens your offer with sellers.
Pre-qualification is an informal estimate based on information you provide. Pre-approval is a more thorough review of your credit, income, and assets that results in a pre-approval letter — a stronger signal to sellers that you're a serious, vetted buyer.
It depends on the program. VA and USDA loans may allow 0% down for eligible borrowers, FHA starts at 3.5%, and some Conventional programs go as low as 3% for qualified first-time buyers. Your loan officer can walk you through which options fit your situation.
Start with a conversation. The team will help you understand your budget, get pre-approved, and explain first-time buyer programs and down payment assistance you may qualify for. From there they guide you step by step through house hunting, offer, underwriting, and closing.
A DSCR (Debt-Service-Coverage Ratio) loan is an investor product that qualifies you based on the rental income a property is expected to generate rather than your personal income. Lenders compare the property's monthly rent to its monthly debt payment (principal, interest, taxes, insurance, and any HOA dues). It's a common tool for real estate investors growing a rental portfolio.
Divide the property's gross monthly rent by its total monthly debt payment (principal, interest, taxes, insurance, and HOA). A ratio of 1.0 means rent exactly covers the payment; many investor programs look for 1.0 or higher, though some allow lower ratios with compensating factors. Use the DSCR calculator on this page to estimate yours.
The team is based at Fairway's Eden Prairie, Minnesota branch and serves the Twin Cities metro and surrounding communities. Licensing varies by loan officer — Sam is licensed in MN, MT, ND, and WI. Ask your loan officer about availability in your specific area.
Timelines vary with your situation and the program, but a typical purchase often moves from accepted offer to closing in roughly 30 to 45 days. Being responsive with documents and getting pre-approved early both help keep things on track.
Refinancing can make sense if it lowers your rate or payment, shortens your term, or lets you tap equity for goals like home improvements or debt consolidation. Whether it's worthwhile depends on your rate, costs, and how long you plan to stay. A loan officer can run the numbers with you at no cost.
Commonly: recent pay stubs, W-2s or 1099s, the last two years of tax returns (especially if self-employed), recent bank and asset statements, and a photo ID. Your loan officer will give you a tailored checklist based on your loan type and circumstances.