Business Details
18 Years
experience
Your Trusted Mortgage Brokers in Florida and Georgia
Capitol Lending Group is your dedicated mortgage consulting partner, committed to transforming homeownership goals into reality across Florida and Georgia. With a team of seasoned professionals, we specialize in tailored loan solutions for first-time buyers, veterans, and those seeking second homes or refinancing opportunities. Our expertise spans VA loans, investment property financing, and strategic lock-in rate options, supported by partnerships with top wholesale lenders.As proud sponsors of Honor Flight South Florida, we honor veterans' sacrifices while delivering exceptional service rooted in transparency and trust. Our streamlined closing processes and personalized approach ensure a seamless experience for every client.
Services
VA Loans
Second Home Loans
Refinancing
Mortgage Consultation
Investment Property Financing
Details
- Year established: 2008
Highlights and features
- We offer expert lock strategy guidance for optimal rate protection
- Our team partners with top wholesale lenders in Florida and Georgia
- We provide fast, seamless closings with dedicated loan officer support
- Veteran-owned business with specialized VA loan expertise
- Active community involvement through veteran honor programs
Services
VA Loans
Capitol Lending Group specializes in VA loans for active-duty military, veterans, and eligible surviving spouses. These zero-down payment mortgages with lenient credit requirements enable qualified applicants to achieve homeownership. Our team handles the complete VA loan process including eligibility verification, documentation assistance, and closing coordination while maintaining strict compliance with VA guidelines.
Second Home Loans
We provide financing solutions for second homes located at least 50 miles from primary residences. Our specialists help clients navigate the stricter qualification requirements compared to primary residences, offering guidance on IRS regulations, tax benefits, and investment potential. The service includes property evaluation, loan structuring, and closing support for seasonal residences or rental properties.
Refinancing
Our refinancing experts analyze current mortgage terms to determine optimal refinancing opportunities. We evaluate market conditions, interest rates, and client financial situations to recommend cash-out refinancing, rate reduction options, or loan term adjustments. The process includes detailed cost-benefit analysis, documentation preparation, and streamlined closing procedures for improved financial outcomes.
Mortgage Consultation
Capitol Lending offers personalized mortgage consultation services covering all aspects of home financing. Our consultants provide market analysis, pre-approval guidance, and loan product comparisons tailored to individual financial situations. The service includes educational resources about different mortgage types, credit preparation strategies, and long-term financial planning considerations for homebuyers at every stage.
Investment Property Financing
We specialize in financing solutions for income-generating properties with expertise in navigating the stricter requirements for investment real estate. Our team provides comprehensive analysis of rental potential, cash flow projections, and tax implications. Services include loan structuring for multiple properties, portfolio management strategies, and guidance on depreciation benefits and mortgage interest deductions for investment properties.
People
Ryan Paton
Founder & Director of Operations
Ryan Paton founded Capitol Lending Group in 2008 after serving as Vice President of Mortgage Approval Group. With over two decades in mortgage lending, he specializes in strategic loan solutions and operations management while leading Honor Flight South Florida's veteran recognition efforts.
Peter Scaduto
Vice President of Operations
Peter Scaduto brings extensive financial services experience from his decade at Home Depot and wealth management background. Licensed since 2010, he focuses on operational efficiency and client transaction systems while maintaining strong financial analysis capabilities for complex mortgage scenarios.
Justin Cecere
Loan Officer
Justin Cecere combines real estate expertise from his time as managing broker at Cecere Realty with mortgage lending experience since 2012. A University of Florida graduate, he provides comprehensive market knowledge and personalized service to clients seeking primary or secondary home financing solutions.
Rusty Shaw
Loan Originator
Rusty Shaw, a U.S. Air Force veteran and former firefighter/paramedic, specializes in serving military clients. His unique background informs his approach to veteran mortgage needs, combining technical expertise with deep understanding of service members' specific requirements and benefits.
Mary Sayan
Office Manager
Mary Sayan manages daily operations with 15+ years mortgage industry experience. Fluent in Spanish and English, she ensures smooth loan processing while maintaining client relationships. Her architectural background provides unique perspective on property evaluation and client communication processes.
Questions
What mortgage loan types do you offer?
We offer VA loans, second home financing, investment property loans, refinancing options, and primary residence mortgages with specialized programs for veterans and first-time buyers.
Do you serve clients outside Florida?
While based in Florida, we provide mortgage services to clients in Georgia and maintain partnerships with wholesale lenders across multiple states to serve diverse client needs.
How does your VA loan process work?
Our VA loan specialists verify eligibility, assist with documentation, and guide clients through the entire process including certificate of eligibility submission and VA appraisal requirements.
What sets you apart from other lenders?
We combine personalized service with strategic loan product selection, fast closings, and deep community involvement through veteran support programs like Honor Flight.
Can you help with investment property financing?
Yes, we specialize in investment property loans with expertise in navigating stricter qualification requirements and providing cash flow analysis for rental properties.
How do I start the mortgage process?
Contact us at (954) 533-2024 for a consultation. Our team will assess your needs, review financial documentation, and recommend appropriate loan products with personalized guidance throughout the process.
Reviews (7)
Dioana Torrealba
Jan 03, 2022
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I highly recommend working with the Capitol Lending Group. They are professional, knowledgeable and experienced. Ryan, Ellen, Mary and team were all amazing to work with. My experience was seamless and most importantly I felt like I was in good hands each step of the way. As a first time buyer you want to make sure you're working with the best. Thank you all for making my dream come true and getting me the best deal possible!
Marcy Grant
Jan 02, 2022
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Positive:Professionalism,Responsiveness
Ryan & team are the best in the industry. Ryan was very professional, informative, and responsive during the process. Ryan and team were so helpful in making sure my loan closed in a timely manner. I will refer everyone I know in need knowing their being looked after. Thank you Ryan & team!
Ryan & team are the best in the industry. Ryan was very professional, informative, and responsive during the process. Ryan and team were so helpful in making sure my loan closed in a timely manner. I will refer everyone I know in need knowing their being looked after. Thank you Ryan & team!
Cheryl Samaha
Nov 29, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
I highly recommend them for financing a mortgage or doing a refi. I started my refi with another company and they gave me the run around. It was refreshing when Ryan and his staff were recommended to me. They were extremely responsive and professional. They streamlined a very tedious process. Thank you so much!!
I highly recommend them for financing a mortgage or doing a refi. I started my refi with another company and they gave me the run around. It was refreshing when Ryan and his staff were recommended to me. They were extremely responsive and professional. They streamlined a very tedious process. Thank you so much!!
Michele Seeterlin
Nov 03, 2021
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Capitol Lending Group is the absolute best!! Ryan and Ellen are professional, efficient, and always available to answer questions. This is my second time working with them and I couldn't be happier! Ryan saved me tons of money and time and did it in record time!! I highly recommend them to anyone looking to buy a home or refinance. You won't be disappointed! Thank you CLG!!
Lisa Birchfield
Oct 25, 2021
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Positive:Professionalism,Responsiveness
Excellent communication - can always be reached by phone or email. Very easy to work with!
Excellent communication - can always be reached by phone or email. Very easy to work with!
Tammy Howard
Oct 18, 2021
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Positive:Professionalism,Responsiveness
Capitol Lending is the real deal. Ryan and Ellen are amazing. They were always there if I had a question or needed further help with an item. I truly cannot thank them enough. I am now a homeowner because of them!!!
Capitol Lending is the real deal. Ryan and Ellen are amazing. They were always there if I had a question or needed further help with an item. I truly cannot thank them enough. I am now a homeowner because of them!!!
Allison Heimann
Oct 07, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
My family has used Ryan and Capitol Lending for over 10 years on the purchase of several properties. We would not consider speaking to another lender. Besides being able to obtain the lowest possible rate their is not anyone nearly as knowledgeable in explaining market rates and when the best time is to lock in a rate.....
My family has used Ryan and Capitol Lending for over 10 years on the purchase of several properties. We would not consider speaking to another lender. Besides being able to obtain the lowest possible rate their is not anyone nearly as knowledgeable in explaining market rates and when the best time is to lock in a rate.....
