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- Why borrowers choose Us
A better experience, from start to keys.
Speak to a local mortgage professional
No obligation, no credit check
Competitive rates & fees
You’re not choosing a loan — you’re choosing the people who get it done. Here’s what that feels like with us.
- Welcome to 1st Capitol Mortgage
A team that gets to know you first.
Having founded 1st Capitol Mortgage Inc in 1996 in Delaware, our Broker/Owner, Larry Knopf, is proud to expand our mortgage experience, expertise and impeccable service to the Lone Star State.
With Larry now a resident of Texas, we bring with us a reputation as the “calm in the center of the storm”.
A company you can rely on to be honest, transparent and accessible.
With over 33 years in business and 4000+ happy clients, your best interest is always our #1 priority.
Explore mortgage guidance for Dallas, Fort Worth and McKinney, and compare loan options such as:
- Conventional loans, FHA loans, VA loans and USDA loans
- Texas first-time home buyer programs
- Bank statement loan options for self-employed borrowers
- Buy Before You Sell bridge loans
- Renovation Loans
- Manufactured Home loans, including Leased Land Homes
- Client Stories
The proof is in how people feel after.
5.0
295 reviews
Larry and Lauren made our dream possible ✨ 🏠 🔑 highly recommend!
Originally I had a broker that I worked with 3 months and still missed the proposed closed date.After these issues I reached out to Larry at 1st capital.Larry was able step in and help me close on a chattel loan. Larry warned me ahead that it still may take around 60 days to get everything settled but with such a bad experience before I was willing to wait.Larry was able to get everything settled in less than 30 days. The process was started and ended in the same month.Larry and his team get my full recommendation.All my questions were answered asap, communication was clear and consistent.Larry walked me through my first purchase, every step of the way.If/when I buy in the future, Larry and his team is the 2nd phone call I plan to make right after my reality agent.
Amazing experience working with Larry on my mortgage. We talked almost every day, and locked the interest rate at a great time. He has very competitive rates and is available when you need him. Highly recommend him if you’re needing a mortgage lender!!
Recently bought a beach house and had the privilege of dealing with Larry Knopf with First Capitol. He and his team were excellent always responding to emails and directing us on next steps. We couldn’t have been more pleased with the Service they provided to us. Thank you so much for everything. would recommend Larry and his team for anyone looking to make a purchase using First Capitol
We had an amazing experience working with Larry and his team from start to finish! They made the entire home buying process smooth, stress-free, and easy to understand while helping us secure a great loan for our home. Larry and his team were always available to answer questions, kept us informed every step of the way, and truly went above and beyond for us.When it came time to refinance, the process was just as seamless and easy. Everything was handled quickly, professionally, and efficiently. We truly appreciate all of their hard work, dedication, and support throughout both experiences. We highly recommend Larry and his team to anyone looking for a knowledgeable, trustworthy, and responsive mortgage team!
I worked with Larry when we were looking to purchase a vacation home. He was extremely knowledgeable, professional and always took my call even if they were after traditional working hours(evenings and weekends). We were kept up to date on each step of the process and Larry was always giving us his best estimates of what monies were needed until things were finalized. Because of this our settlement process went very smoothly because there were no surprises in the numbers.I would highly recommend Larry at 1st Capitol Mortgage if you’re looking to finance or refinance a home.
Larry and his team were the stars of the show in my recent purchase. We fired our previous broker and hired Larry fairly late in the process, and they were able to make it smoothly through the finish line. I appreciated their proactive approach to communication, calm demeanor, and reassurance that all would be well in their hands.
We had a stress-free and wonderful experience with Larry Knopf and his staff. This was our 2nd time dealing with him and would do it again in a heartbeat. Such 1st class knowledge and expertise in every realm of the real estate world made us feel very comfortable and we were/are very fortunate to have found him and his staff.
Larry is the very best there is. Never had a better experience getting a mortgage than I did w him. I’d give him 10 gold stars ⭐️
1st Capital was excellent at navigating me thru the mortgage process from start to finish. Larry Knopf was always available to take my calls day, night and even weekends! I would highly recommend.
Larry & Lauren were wonderful to work with. We had issues securing financing based on the type of home we were buying & I was referred to 1st Capitol. After all of the roadblocks we encountered, Larry came though and made our purchase possible. He was very thorough & explained everything clearly and in a way that we understood. He answered any questions or concerns that we had and we knew we were in good hands. Lauren kept us informed throughout every step of the loan process and got us to closing quickly while ensuring everything was in order. I highly recommend 1st Capitol. Thank you Larry & Lauren for helping make our beach home a reality!
Oh my goodness I wish I can give more than just 5 stars to Mr. Knopf and his team. Highly recommend contacting him if you’re looking to get financed for a mortgage!!! Thank you again Mr. Knopf!!!!!!
Larry was extremely helpful throughout my entire home purchase process. I appreciated his knowledge and professionalism.
I can't say enough good things about my experience with 1st Capitol! Larry and Lauren were communicative, attentive, and helpful throughout the entire home buying process.I had been shopping rates between two lenders and even found a company that could match Larry and his team but ultimately I chose 1st Capitol because I didn't feel like a number. Larry took time to educate me on mortgage rates and answer any questions I had. At the same time, he was available to help outside of standard office hours.I never felt lost in the process of financing my house because of Larry and Lauren's expertise and professionalism. In the future, when rates drop, I'll certainly refinance with Larry and the team at 1st Capitol.
Larry and his staff made every aspect of the home financing very stress-free. He is very knowledgeable, and responded quickly to any questions I had along the way. Thank you!
Grateful to Larry and Lauren for their work on our home refinance! The process was seamless from start to finish—truly appreciated their professionalism and dedication.
Larry and his team are the best ! One of the easiest settlements I’ve encountered! They make every step of the way painless. If you are in the market and need a broker that will follow through look no further.
Larry and his team are the best in the business! The process from start to finish was as flawless as it could be when securing a mortgage loan. Larry’s knowledge, advice, professionalism are unmatched. He helped me pick the right loan for me, giving me tips, tricks, and cash saving opportunities along the way. You can tell he has been in the business for 30+ years. I will be going back to Larry and his team for all future loans/refinancing.
I would highly recommend doing business with this company. I spoke to Larry, and he was able to explain the two types of mortgages. It was clear and concise. When I asked him for his opinion on which I should choose, he was honest and factual for my situation. I’m very happy with the service provided.
I came across 1st Capital from a realtor’s Facebook page and thought id give them a try for a refinance. Larry and Lauren were awesome. They responded to my many questions in a timely manner making the process quick, painless and stress-free. It’s apparent they know exactly what they are doing. Thank you so much for all your help!
My wife and I had the pleasure of working with Larry and his team at 1st Capitol Mortgage, Inc for our part time beach house located in Delaware. Right from the start, 1st Capitol made us feel comfortable and guided us through the entire process. I would HIGHLY recommend contacting them for your next purchase. They made the whole experience enjoyable as they are experienced and professional.
Our experience with 1st Capitol was excellent. Larry and Lauren were amazing to work with. We had a complicated and sometimes challenging transaction and Lauren seamlessly managed those challenges and kept everyone on track. Service was impeccable and they also found us the best rates of any lender we considered. I would highly recommend 1st Capitol Mortgage.
I learned very quickly that the home buying process is a stressful one. Larry was very informative and really took the time to explain how everything works to me. Of course there were some bumps in the road however every bump we hit Larry and his team were right there to make sure they did everything they could to assist me. Very happy with 1st Capital Mortgage.
Working with Larry and Lauren at 1st Capital Mortage, Inc. in Delaware to purchase our new home. Larry explained the process in a clear, comprehensive, and professional manner, while keeping us at ease with his friendly personality. Lauren helped us through the paperwork aspects and kept us on track with what we needed to provide and kept us up to date every step of the way.Both of them were a perfect team to help us through the process and into our new home with ease and no worries. Great to work with and well recommended.
The entire team at 1st Capitol Mortgage, Inc. is very professional, informative, and patient. Lauren Whitby and Larry Knopf are extremely knowledgeable and personable which alleviated the stress associated with any home-buying experience. They are a pleasure to work with and provided detailed information on what was needed and why. They kept me well informed during the process from approval to final settlement. I highly recommend 1st Capitol Mortgage to guide you when purchasing your home.
Wonderful people! Especially patient with clients that are very inexperienced! I’ll always be grateful for my realtor recommending 1st Capitol Mortgage!
Larry and his team has been with us every step of the way through our mortgage experience. They explained the process to ensure we understood and were comfortable in the decisions we made before and up through settlement! We felt extremely confident and knew we were getting the best rate and home for our needs. We sincerely recommend 1st Capital Mortgage to any first time or repeat home buyer for the process is streamlined and educational with their software program.
Larry and Lauren were a great help during the mortgage process, knowledgeable and professional. Settlement was on time and Larry walked us through all of our loan options.
MH
Larry and Lauren were a great help during the mortgage process, knowledgeable and professional.
Lauren helped my wife and I with the process of purchasing our first home. Lauren was there every step of the way. She made it very easy for us. We are truly grateful.
J
Great working with Larry and Lauren. Lauren far exceeded our expectations and was willing to work the process as quickly as possible. We closed in 28 days with minimal problems. Great company to work with
Not only did we get a great deal, Larry worked with us to proficiently wade through the often turbulent waters of obtaining a home mortgage. We purchased our home at a time where interest rates were rapidly rising and we had only a day or two wiggle room to close within our lock period. Larry and Lauren both did an excellent job getting our rate nearly 1.5% lower by completing the closing within our lock. The communication from start to finish was absolutely excellent. I only had to leave a message once and the call was returned the next day, which was vitally important to my wife and myself because we were moving in from out of state. Exceeded my expectations in every way possible. Thank you Larry and Lauren!
Not only did we get a great deal, Larry worked with us to proficiently wade through the often turbulent waters of obtaining a home mortgage. We purchased our home at a time where interest rates were rapidly rising and we had only a day or two wiggle room to close within our lock period. Larry and Lauren both did an excellent job getting our rate nearly 1.5% lower by completing the closing within our lock. The communication from start to finish was absolutely excellent. I only had to leave a message once and the call was returned the next day, which was vitally important to my wife and myself because we were moving in from out of state. Exceeded my expectations in every way possible. Thank you Larry and Lauren!
J
Larry was extremely helpful and guided me through the mortgage process. He was patient with my questions and kept me in the loop. I highly recommend working with him!
PF
ABSOLUTELY THE BEST ! Mr. Larry, Lauren and Heather are wonderful to work with. From start to finish all of my question were answered and explained. Mr. Larry is very knowledgeable on all mortgage topics and is prompt and very kind. This mortgage team is VERY organized and on top of things. We even closer a week earlier !:-)Thank you again First Capital Mortage for all your help !!!!!!
I am so thankful for have worked with the First Capital Mortage team ! Mr. Lerry, Lauren and Heather were very kind and prompt about answering my questions and getting the Process moving and closing on time. I would highly recommend for first time home buyers or purchasing another home.
Z
Best experience I’ve ever had securing a home mortgage
My wife and I just bought our first house, a for sale by owner. Larry Knopf and his team did a great job walking us through the process, always being sure to explain each step in layman’s terms. They helped make the whole experience as easy as possible.
My wife and I just bought our first house, a for sale by owner. Larry and his team did a great job walking us through the process, always being sure to explain each step in layman’s terms. They helped make the whole experience as easy as possible.
B
They are so helpful and always there whenever I needed them. They also have an easy app that helped me easilly
upload my documents. Everything was quick and excellent. They deseve 10 stars.❤
N
Larry was outstanding throughout this process. The professionalism was very impressive and the whole process was seamless. Most of all we appreciate the honesty and integrity of Larry.
JB
Larry and his team made the how buying process so easy. From our first conversation to closing, he was sure to explain the process and have his team keep me updated. I appreciate the stress free process and will use him for any future transactions. I am so glad I was sent his way, no regrets.
1st Capitol Mortgage, Inc. is a first class Broker. From the very first day when discussing our needs with Larry it was nothing short of a weight taken off our shoulders, his knowledge and patience was outstanding. We had a difficult time with our Builder and Larry and Heather Haliburton were always available and answered our questions with speed and accuracy. The played a huge part in keeping us sane throughout the difficult process even in times when we thought all hope was lost. Larry and Heather ALWAYS have an upbeat attitude and will go the extra mile. We made settlement yesterday and could not be happier. Please consider 1st Capitol Mortgage for your future or present needs.
P
10 years ago Larry Knopf at 1st Capitol Mortgage, Inc. helped me refinance my home. I appreciated so much his knowledge and professionalism. I have contacted him with questions over the past few years and he is always available and gives the best advice. Recently I refinanced my home to get a lower interest rate. Larry and his office staff kept me informed of every part of the process. The refi was done in record time. I felt safe and secure knowing that Larry and his staff were working for my best interest. I would highly recommend Larry Knopf at 1st Capitol Mortgage.
Working with Larry and heather for my mortgage was amazing, I ‘m not being dramatic, I shopped around for a lender and when I spoke with Larry I was blown away by his knowledge and attention to detail. Seldom do you work with anyone, from any business vertical that will be able to share so much useful information and ensure that you’re comfortable with the process. The process was seem less, his connections in the area were a help as well, he made us feel like family. They also got us to closing in about a month. Great service and would gladly work with them again!
The service and attention we received was excellent!
Every one was helpful, courteous and worked very hard to get us the best mortgage. Definitely a great experience.
My husband and I recently closed on a refinance loan with Larry and his team at 1st Capitol Mortgage. We were pleasantly surprised with the smooth process and the ability to maintain deadlines. All of our questions were answered expeditiously to ensure the progress on the loan was not impeded. The communication from Larry and Heather throughout the process was so appreciated and we were never left wondering if there were outstanding documents we needed to submit or sign or what milestones were left outstanding at any point throughout the process. We would highly recommend Larry and his team at 1st Capitol Mortgage!!!!
Larry and his team were extremely helpful with the home buying process. I’ll admit I was so lost at the beginning but they answered all my questions and were always available to help. They sent out texts and emails reminding me of paperwork they needed. They always kept me in order and organized. I highly recommend 1st capital mortgage to anyone looking to buy or sell a home.
Larry and his staff provided excellent customer service and kept us informed on every step of the process. Prompt and professional and very knowledgeable.
This is the second time we have used 1st Capitol Mortgage. Was very pleased when I called and Larry Knopf was still there.He is absolutely wonderful to work with, has a great sense of humor and loves what he does.Heather and Lauren have been great . They work hand in hand with Larry and both are very knowledgeable and like being challenged.We will always recommend 1st Capitol Mortgage to our friends and family…….they’re the best !
Big shout out to Larry Knopf, Lauren Whitby, and Heather Halliburton at 1st Capitol Mortgage.I recently moved to Delaware from the southwest and quickly recognized purchasing a newly build home in today's market would require some guidance. It was 25 years since I last purchased a home, and the rules for purchasing a home have changed significantly. In addition to shopping around for a competitive loan rate, they educated me with Delaware’s unique mortgage requirements. They provided routine updates with all processes; including the mortgage application, appraisals, underwriting, and closing instructions. Lauren essentially held my hand throughout the finance and closing process, helping me navigate the online submission of essential documents, as well as for clarifications when necessary. Furthermore, they provided me with recommendations for a local attorney, insurance company options, inspectors, as well as their favorite local restaurants (Larry is a foodie). Their customer service exceeded my expectations and I recommend 1st Capitol Mortgage without reservation.
My husband and I recently used this company. Larry and his staff were very helpful, friendly and very professional. We are very pleased with the service. Larry is very knowledgeable and he works very hard to find the best rate for you. Larry makes himself available to answer any questions and he is very prompt to answer emails and phone calls as well as the staff. Extremely satisfied with the service I received. Will use him again and recommend to all my family and friends.
I had a great experience working with Larry! He was very knowledgeable and eased all my first time home buyer nerves! I would seriously recommend him to anyone who wants to hear the truth and have all their options explained to them.
Refinanced with Larry and couldn't be happier. First class service and the absolute best rate possible! If your on the fence about using them as a broker you better jump over the fence and sign with them!!!
This is the second time my husband and I have worked with Larry and his staff. We can't thank them enough. Larry works to find you the best rate, he is knowledgeable, and easy to work with. The staff is right on top of obtaining documents and getting things to you in a timely manner. We have had 2 fantastic experiences here!
Wow what can I not say. When the statement about Team Work Makes The Dream Work & this office of a few did just that. Even when we came to a few bumps down the road eventually it all was smoothed right out. I highly recommend anyone looking for a mortgage company give 1st State Capital Mortgage a try. You won't be disappointed.
The 1st Capitol Mortgage experience was first class. Larry and Lauren were true professionals at every stage of our house purchase process. We cannot thank them enough for making our experience completely stress-free! From the first conversation with Larry, we knew we were working with extremely knowledgeable individuals. 1st Capitol Mortgage secured a great interest rate for us and communicated a significant amount details we were not aware of. They were with us and providing support for us literally up to the very last moment. A huge thank you to Larry, Lauren and everyone else at 1st Capitol Mortgage who played a roll in helping us reach our dream goal.Sincerely,Marty & Kelly Denson
Dealing with 1st Capitol Mortage was a very informative and positive experience. Larry Knoph explained everything, answered all my questions and he helped me with the application step my step. I would highly recommend them. The support staff was also wonderful!
This was my second time working with Larry and it went just as smoothly and perfectly as the first. I wouldn’t work with anyone else. He makes the process so simple and straight forward. I also had the pleasure of working with Lauren this time and she was so sweet and attentive as well. 100% Satisfied. 10/10. Would recommend to anyone and everyone!
I used First Capital Mortgage to refinance my house. Larry was the representative I worked with, him and his associates made my experience easy and stress free. The rate was great and we closed on the date that was agreed upon. I would definitely use them again for buying my next house.
The team are so helpful on every step of the process. We're always glad to be working with Larry and his team everytime.
Larry and his associates are amazing! Made 3 transactions with them with ease. They are worth going for.
I have used the services of 1st Capitol Mortgage two times. Each time the process proved to be easy and painless. The requests for information from them were clear and unambiguous and as a result I was able to get all information to them concerning my finances in a timely fashion and the refinance loan was approved quickly.
My wife and I contacted Larry Knopf last year inquiring about doing a refinance on our home loan. Mr. Knopf did the normal procedure taking our information, such as ss # to run our credit. He came back and informed us on things we needed to do to build our credit scores higher. And to check back 6 months to a year to revisit, in which we did and I must say he was totally correct. We started this time and less than one month we were able to close on our refinancing of home loan. And he helped us save almost $700.00 per month on our new loan. And I can't fo6to mention his loan processor Lauren AWSOME
As a former loan officer, I couldn't praise Larry and his assistant Heather enough. Understood my situation from the start and made the process seamless all the way to the end. Very professional and knowledgeable
My wife and I chose to share our first home buying process with 1st Capitol Mortgage where we met Larry Knopf. From the first day we met Larry, we were immediately impressed with his professionalism and ability to make so much unknown information clear to understand. He broke things down and stayed honest and objective in every interaction with us. As we understand Larry runs a business, he always kept our best interest at heart.We plan to purchase more properties in the future and we will certainly be choosing Larry again.His assistant Tim was amazing as well; fielding all of Larry's calls and just working together for the clients. Larry and Tim are a great team.1st Capitol Mortgage 👍🏾👍🏾👍🏾
Larry and his team made the refi process simple and the process couldn't have went smoother
Great experience. Larry and the rest of the team were very responsive and kept me informed all along the process. I truly appreciate their honest, no pressure approach. I'm glad I choose 1st Capital Mortgage.
Larry was very thorough with the entire process. He always took time to explain and educate us on each step. He was beyond helpful, knowledgeable and communicative. I would highly recommend Larry and 1st Capitol Mortgage.
Great to work with. Went out of their way to help. We were moving from out of state and they were always available. I would highly recommend their company
Larry and Tim were very easy to work with. They always responded quickly and professionally! They answered every question I had and my home buying process went very smoothly! I highly recommend them! Thank you Larry and Tim!
I strongly recommend using 1st Capitol Mortgage as your broker in DE. Larry and team made the process extremely easy by keeping me apprised of progress every step of the way and being quick to address any questions I had. A great partner to have on your side.
Larry & Tim were amazing to work with. As first time home buyers in our 20’s, my husband and I had a lot to learn but Larry was able to answer all of our questions before we could even ask them. Larry has THEE BEST interest rates in the area. We could not be happier with our low rate.Tim worked diligently on making sure all of the proper documentation and paperwork was submitted in a timely manner. They literally made this a stress free process.If you’re looking for knowledgeable people to get the job done in a timely fashion then go with this company. They were absolutely a dream to work with!
I cannot imagine working with a greater organization for my home loan! Larry and Tim walked us through the entire process, explaining all documents every step of the way. I would highly recommend Capitol Mortgage to ANYONE looking for a mortgage!
This was my fourth home purchase. The process with Larry and Tim could not have been any more simple or organized. I was very impressed with both Tim and Larry. They took the time to explain everything to me from my first call all the way to the closing table. I highly recommend them!! Thank you Larry and Tim!!!
Great communication, great rate! Thanks for all of your patience and kindness.
My experience with 1st Capitol Mortgage was excellent! Larry and his staff were very professional and super responsive. They were patient and sensitive to the fact that I wasn't a mortgage expert. They led me through the process in way that I could understand; I felt comfortable asking questions and the answers were always spot on. I felt I was working with a company that I could trust. Thank you Larry and 1st Capitol Mortage for a great experience - I'd use you guys again without hesitation!
It was a pleasure working with 1st Capitol! Larry and Tim are consummate professionals who assist their clients in every facet of the mortgage process. Through their clear communication and understanding of the lending business acquiring my mortgage was seamless. My life long dream became reality. Many thanks to Larry, Time and 1st Capitol Mortgage.
HIGHLY RECOMMENDED! Outstanding customer service. Larry and Tim got us qualified for our dream home when we thought we couldn't. Over and above the customer service you would expect. Well worth the call. 1st Capitol Mortgage is all that and more. Couldn't be happier! Thanks Larry and Tim for doing all that you did to get us in our dream home.
It’s probably not often when one can say that they had a fun and enjoyable time dealing with their mortgage broker, but that’s exactly what happened with Larry and Tim from 1st Capitol Mortgage. They not only got us the mortgage that we needed, but they did it in a way that made it an enjoyable experience. We highly recommend using 1st Capitol Mortgage for your next house purchase or refinance, they are truly professionals.
Loved using 1st Capital Mortgage of Delaware. Larry and Tim are great professionals that expertly guided us through the mortgage process. Our closing went smooth as butter - no issues. Highly recommend!!!
Both Larry and Tim are great guys and they really work hard with you throughout the whole process. I cannot recommend these guys enough!
I spoke with Larry Knopr approximately 2 years ago and he guided me on what I needed to focus on to improve my credit to be able to by my first home. Once I focused on those items I reached out to Larry again and was able to successfully purchase my first home! Larry Knopf and Tim Ford from 1st Capital are Amazing! From start to finish Larry and Tim Ford were knowledgeable, patient and easy to work with throughout the process. Since this was the first time purchasing a home I had a lot of anxiety about the entire process but Larry and Tim were there by my side the entire time and guided my through the home buying process. By the time we put an offer on our dream home to the time of closing was approximately a month. We even came in lower for closing costs (approx. $3,000) then expected. I truly cannot say enough good things about Larry and Tim and I would highly recommend them to my friends and family!
I can not say enough about 1st Capitol Mortgage. Larry Knopf and his assistant Tim Ford were there to assist and walk my wife and I thru the loan process. They took the time to keep us updated and informed during the whole thing. Our involvement was minimal as they did all the ground work and gave us time to concentrate on finding our new home and moving.Very professional, knowledgeable and articulate. I can not recommend them enough.
Larry and Tim from 1st Capitol we’re amazing to work with in our home buying process! They made the process of getting approved and buying our new home as smooth as possible! We’d recommend them to anyone!!
Number 1, all the way
Larry and Tim from 1st Capitol provided my wife and I superior service with our mortgage needs. They reviewed with us many different options and provided us guidance to make the best choice for our needs. I highly recommend them the next time you are shopping for home financing.
Larry Knopf and 1st Capitol Mortgage are absolutely wonderful! We've used 1st Capitol every time we've each time we purchased a home or refinanced. It had been almost 15 years since we purchased our first home and when we were ready to purchase our 2nd, Larry was knowledgeable, patient and explained everything so well. Tim's consistent communication and attention to detail and follow up definitely compliment's Larry's example. In fact, throughout the entire purchase of our home, 1st Capitol (Larry & Tim) were the most consistent, kind and professional. This was a very stressful process but Larry's competence and kindness coupled with Tim's professional, jovial nature eased so many of our concerns. Highly recommend this team!
Larry, Tim and the entire 1st Capitol Mortgage team will work hard to make sure you get the loan that fits your lifestyle! They are hands on and involved in every step from the beginning to end! They are friendly and easy to work with and make you their #1 priority.
AMAZING! First-time home buyer, the process was painless and efficient. Larry and Tim do an amazing job with their clients, I am blessed that my realtor friend referred me because I had went thru numerous lenders over the past few years who were terrible. Larry truly showed me how passionate he is about his work and that man knows what he's talking about. Highly recommend and would call him in a heartbeat if I ever need again.
Larry and Tim are fantastic to work with! We had an awesome experience. Highly recommend!
Larry and Tim were wonderful aiding us in the purchase of our mobile home in Rehoboth. They were knowledgeable, fun to work with and expedited our process!
Larry was great to work with. He kept us informed throughout the process of our loan application and always responded very quickly when we had questions. Would definitely recommend!
When I first got in contact with Larry at 1st Capitol Mortgage, Inc, a year and half ago, I had less than (way less) desirable credit and NO experience with the home buying process. I just knew I wanted to purchase my first home from a builder where I had my eye on a specific lot. Prior to speaking to Larry I was rejected by 2 other Mortgage Brokers simply because my numbers were not where they would like them to be. Larry listened to everything I had to say and provided me with a list of conditions I will need to meet to accomplish my goal and decided to take me on as a client. Working with Larry and his team has made the process extremely easy. Larry and Tim held my hand throughout the process and prepared me for every turn and answered all my questions with such patience grace. I learned that Larry takes the time to be present at closing with all his clients and it is such a great touch and added bonus. I can not say enough good things about my experience with Larry and his team . I found this quote that kind of sums up how I feel... "As I look back on my life, I realize that every time I thought I was being rejected from something good, I was actually being redirected to something better." Steve Maraboli. I am grateful to have been redirected to Larry and his team!!
My experience at 1st Capitol Mortgage was excellent. Larry Knopf and staff worked efficiently and professionally to secure our mortgage. They were organized in requesting our documentation and were thoughtful to consider our individual circumstances instead of just pushing us through a standardized process. Mr. Knopf took time to educate us regarding mortgage products. Also, 1st Capitol Mortgage was able to secure us a lower interest rate for our mortgage than their competitors.
Excellent service!!! Very knowledgeable staff! Very, very helpful with difficult situations. In the business of making home ownership a "dream" come true! I know for a fact this is true!
My husband and I just purchased our first home and we had the pleasure of working with Larry Knopf from 1st Capital Mortgage. Larry made sure he found the right mortgage for us and he explained everything about the process to us along the way. His assistant Tim is great as well. We chose to go with Larry after reading all the great reviews about him on line and I am glad we did!
Had a great experience working with Larry and Tim they are very knowledgeable and made the process go very smoothly. I would highly recommend them, as a first time home buyer they made sure to answer any and all questions. Would work with them again in the future.
I would wholeheartedly recommend 1st Capitol Mortgage. Both Larry and Tim are very helpful and answered all my questions. They helped me and my husband to be at ease because buying a house is stressful. You will be in good hand with 1st Capitol Mortgage.
I would highly recommend 1st Capital Mortgage to anyone looking for a lender. As a first time homeowner I was very overwhelmed. Larry Knopf and Tim Ford helped me continuously throughout the process. They made sure I understood each step, and were always available to explain things to me. I got a great interest rate and the whole process went very smooth. Overall great experience!
Nothing but the utmost respect and diligence to get us the best rate and processed properly all the way throughout the whole deal,definitely would recommend using their service, great guys !!!
I have excellent experience with 1st capital mortgage. Larry and Tim are always available for you when you need them .
Great service provided by all staff with each encounter and transaction. Very helpful and knowledgeable. Helped make the process easy and understandable. Recommend this company to anyone shopping for a mortgage. Liked the top notch services so much, we plan to utilize their services in the future.
Our experience with Larry and his staff was outstanding. They were incredibly responsive and knowledgable and found us a great rate with a good lender. Larry knows the true meaning of customer service. He was incredibly patient with our MANY questions and went out of his way to ensure that we understood each step of the process. He is a true professional and was a pleasure to work with. We'll definitely be referring family and friends to 1st Capitol Mortgage.
I cannot say enough good things about 1st Capitol Mortgage.Everyone who I talked to told me buying a house would be a long annoying and frustrating process. With the help of Larry and Tim I never was frustrated or annoyed.They got me a great rate through the USDA 100% financed. I am still completely blown away by the constant communication from this company.10/10 would use this company for a mortgage again.Go with 1st Capitol mortgage.You will not be disappointed
Larry made my home buying experience very easy and communicated with me the entire time. I look forward to working with him and his staff in the future.
I loved working with Larry! He's extremely knowledgeable, and he helped me get a fantastic rate. He really cares about his clients and their well-being. Larry is far above and beyond other lenders that I've experienced in skill, knowledge, and work ethic. I'd absolutely recommend him to anyone. Thank you so much!
Very knowledgeable and takes the time to explain things to the customer and make sure you understand.
The best by far! Attentive, able to explain any area of the mortgage process so that you can understand. Sincere, I think his motto must be, “Treat others as you would like to be treated.” Honest, in this day and age it’s hard to find someone in the business of “selling” a product that is forthright and trustworthy. Larry and his staff exceeded our expectations in many ways. We would use 1st Capitol Mortgage again if we ever have the opportunity to do so but we are content! Many thanks to Larry and his team! We finally have a place to call home!
When you're working with Larry Knopf and 1st Capitol Mortgage, know that you're with the best in the business. Larry was an absolute pleasure to work with, and moved the process along quickly and diligently. His professionalism and knowledge kept our minds at ease throughout the entire process. The first time home buying experience can be so stressful at times, but Larry was with us every step of the way and made everything feel like a breeze. We couldn't be happier with our house or with our experience with Larry. I'd recommend him in a heartbeat. Thanks so much!!
I'm so glad I called Larry to help with our home purchase. We moved the country for a job in Dover, and didn't know anyone in the area. I called Larry because of his local reviews and didn't realize I was making such a good choice.Any mortgage process is stressful, but Larry and his team took the edge off it. I felt like we were being taken care of and we truly had someone watching out for our best interests. Best of all I felt like we didn't have to worry about things falling apart- Larry was very thorough and made sure everything was in order throughout the process. He was also very personable and great to work with.Overall I would highly recommend Larry- he's definitely the one we'll go to when we buy a house again!
We recently purchased our first home in Kent County Delaware and used 1st Capitol Mortgage. We had an absolutely fantastic experience. Larry was wonderful and walked us thru every step of the way. We were able to secure a great rate and the process was painless and closed on the exact date and time he said from the beginning I cannot say enough about this experience and would recommend 1st Capitol Mortgage to anyone!
What a God Send! 1st Capitol Mortgage (Larry Knopf & Tim Ford) were extremely efficient, well versed, and super easy to work with. Everything started with a brief phone call with Larry and he went over what we were looking/hoping to do, and provided different options. Most everything was able to be done right over the phone with him. Once the pre-qualification process was done, we went into the office and signed everything for the pre-approval. From that time forward, Tim (and Larry when necessary) would reach out to us to provide documents and responses needed. They made life EASY! We were first time home buyers and they took the worry and anxiety out of everything. They literally explained everything we would be expected or needed to provide, and 98% of it was able to be done via internet, email, and fax. Wonderful dispositions, highly professional, easy to work with, and HIGHLY recommended! I've never had such an easy transaction for anything, let alone a home mortgage - especially with it being our first. I cannot say enough about how great this team is and how they were there to support us through it all - even until dishes out a hug after closing! You WILL NOT be disappointed. Go to 1st Capitol and get Larry Knopf in your corner. It'll be the best decision you've made regarding your home buying experience.
Larry Knopf is the #1 Broker in Delaware as far as I'm concerned. I had a million questions and Larry always took the time to stop and answer each one. Larry went above and beyond to help my husband and I purchase our home. It was a very smooth transaction without snags. AWESOME RATE! Everything went awesomely from beginning to end. Thanks to Larry and his team for helping us every step of the way! YOU GUYS ROCK!
Our first home purchase experience with 1st Capitol Mortgage is outstanding. Larry and his staff are so knowledgeable and enthusiastic. Larry help us select the best loan program with the lowest rate and of course the smoothlest settlement ever. Me and my wife Wendy are so happy to work with 1st Capitol Mortgage and no doubt that we will definitely need their help again with our next home refinance or second home purchase.
Approximately 18 months ago I was introduced to 1st Capitol Mortgage by the realtor who assisted me in finding a home in Dover, DE. Mr. Knopf of 1st Capitol took time to contact me in Connecticut to gather information about my resources, desires for, and eligibility for several types of mortgage.He was thorough. He was responsive to my calls/emails for updates on progress. At no point in the process was I left to “wonder” about what was next, needed, or what the ramifications were of an action at a specific point.In addition to being professional, he was personable, willing to listen to my concerns, and always anticipated the questions I asked. He knows his business. He is also the first broker to attend a closing with me to ensure there were no issues with the mortgage.I can’t conceive of a better mortgage experience. I have purchased four homes in my lifetime and have dealt with a different broker each time. I will seek out Mr. Knopf to help me with the next one and I heartily recommend him to you, too! I'm confident you'll feel the same about his capabilities and service.
Prior to moving from Texas to Delaware, John and I decided we needed a pre-approved loan and real estate agent. We lucked out when Larry Knopf contacted us and made both things happen. We were able to find a home and close on it all within a month of arriving in Delaware. If it wasn't for Larry, I don't believe this could have happen so quickly. His friendly, easy-going manner made the whole process painless. I can't express how grateful we are to him and his staff. If you're looking for a great mortgage broker do yourself a favor and contact Larry Knopf. Not only is he an expert in his field, he's also genuinely kind and caring.
Our experience with 1st Capitol Mortgage was simply amazing. Larry Knopf and his staff went above and beyond to help my husband and I purchase our first home. We were referred to 1st Capitol through a Dover AFB Facebook group, and through Mr. Knopf, we met our Realtor Debbi Cadwallader. Without their help, we would surely have been lost. They were great to work with and very helpful throughout the entire process. We could not be more grateful for the exceptional performance and experience of 1st Capitol Mortgage!
Mr. Knopf was excellent at explaining the loan process. Everything we had a question about he promptly answered. We loved working with him and would (and will) recommend him to anyone looking to buy a home in the area.
First Capitol Mortgage, Inc. provided excellent services helping us navigate through the finance process of our family home. They found us a great lender, a very competitive rate, and a plan that works well within our budget, and in a very timely manner. Also, Mr. Knopf’s professionalism and hands on approach were excellent.
First Capitol Mortgage, Inc. provided excellent services helping us navigate through the finance process of our family home. They found us a great lender, a very competitive rate, and a plan that works well within our budget, and in a very timely manner. Also, Mr. Knopf’s professionalism and hands on approach were excellent.
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Mr. Knopf is extremely knowledgeable in his field. He worked tirelessly to get the best deal for me and I'm very pleased with my home. His calm demeanor is what I needed on those days when I thought I would throw in the towels and run for the hills. I will definitely use him again in the future when I purchase another home. Larry and his wonderful assistant, Sharon Hutchinson were dedicated and loyal in helping me accomplish my goal, which was to purchase a home in the Delaware area. They made me feel like I was their only client but I know he had many. Sharon is . very personable and knowledgeable, and I always enjoyed talking with her. Both their dedication and hard work made settlement go along so smoothly. Although purchasing a home can be stressful at times, and I'm glad it's over, I do miss working with both of them. Larry, I will not hesitate recommending you to anyone interested in buying property in Delaware. And I thank you for everything!
I contacted Larry in January 2014 when my husband and I decided we wanted to pursue buying a home. We couldn't have chosen a more knowledgeable, caring, helpful person than Larry Knopf! From day one he was right there by our side guiding us EVERY step of the way. He explained everything thoroughly as we began gathering the necessary documentation we needed to get the process started once our offer was accepted by the seller. We could tell from the very beginning he was very knowledgeable about financing and we had no doubt he would provide us with the best financing based on our individual needs and circumstances. Every time I emailed Larry or his loan processor, Sharon, I would get an immediate response. This made our loan process flow smoothly. Larry Knopf is very professional and truly cares about his customers as he gave 115% to ensure that my husband and I were completely satisfied and happy with our financing. Two weeks after our settlement he and Sharon contacted us just to say hello and see how we were enjoying our new home. We highly recommend Larry and can honestly say it was truly an absolute pleasure doing business with him!!!
Great Experience with 1st Capitol. Larry is very knowledgeable in the area of loans. He was able to clear up and fix what two other loan officers could not do for us and got us a home loan in a very short amount of time (less than two weeks.) Larry stayed on top of our paperwork and kept us informed all along the process and answered our questions well and in a timely manner. I would recommend them to anyone looking to purchase a home.
My experience with 1st Capitol Mortgage was outstanding! From the initial meeting with Larry to get pre-approved for my first mortgage to the day of closing I was extremely satisfied. Larry and his staff were always willing to answer any question and quick to return a phone call. They were able to process my loan quickly and even worked some magic to get me more money back at closing!!! I would HIGHLY recommend Larry and his staff for any mortgage loan needs! Thank you 1st Capitol!
I can't say enough about the service of 1st Capitol Mortgage. They did an outstanding job in getting me approved for my mortgage. Through Larry's hard work I was able to purchase my house. If I had a question they were quick to respond to my question. Towards the end of the process I was in constant contact with the staff. Larry was there for any of my questions and provided me with sound advice. I would highly recommend 1st Capitol Mortgage to anyone looking to purchase a home. Thank you again Larry and Kim for your hard work.
I have known Larry Knopf for many years as a business contact as well as my personal broker. Larry is one of the most disciplined and professional people I have had the pleasure to work with after many years in the housing industry myself. His ability to work efficiently under stressful conditions and nerve-wracking deadlines speaks volumes about his knowledge, determination, and commitment to his client. During the mortgage process and purchase of my home, he worked closely with me through every aspect of what some may say was a difficult purchase. As always Larry demonstrated his commitment to excellent customer service by keeping the lines of communication open and always providing timely feedback as necessary.I, without reservation, would recommend only Larry Knopf of 1St Capitol Mortgage, to anyone who is considering a mortgage.
Larry made the process of being a first time home buyer very easy. He was very helpful and knowledgeable and was always available to answer any questions that I had. I would highly recommend him to anyone.
As a first time home buyer, the experience can be nerve wrecking. Larry did an outstanding job in explaining information and answering all of my questions in detail. He stayed in constant communication with either me or my real estate agent. Larry was quick to return my call if he was not available. I would highly recommend him.
Larry was great to work with - very knowledgeable and responsive. Because of him, we got a great rate and are now happily settled in our new home!
Recently, my wife and I purchased our beautiful new home with the help of 1st Capitol Mortgage Company. The knowledge and guidance that was provided to us by 1st Capitol Mortgage was extremely beneficial. We loved having the opportunity to call the local office with our questions, and always received honest and informative answers. The details of our mortgage were carefully explained to us along with a speedy settlement date. We are so happy we chose 1st Capitol Mortgage Company, they truly are an asset to the mortgage industry. Thank you so much Larry!Mickey & Daisey
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