General Mortgage Capital Corporation

Financial ServicesCalifornia, United States201-500 Employees

General Mortgage Capital Corporation is a mid-sized financial services firm based in Burlingame, California, operating as a direct lender and mortgage banker in the California market. It focuses on jumbo loan programs, offering financing from $200,000 up to $20 million with in-house underwriting for agency loans, jumbo financing, non-QM products, and light documentation, backed by in-house funding. The company draws on a broad network of lending resources across correspondent and wholesale channels to access a wide array of loan options.

Its program lineup targets diverse borrower needs, including first-time buyers with low down payments and no mortgage insurance, buyers upgrading without selling first, and investment-property financing with varied down payments and features such as DSCR and no-ratio requirements. It also serves borrowers with non-traditional profiles—such as high-technology employees with limited credit history, self-employed individuals, and recent graduates—with specialized jumbo offerings and documentation options, including programs for EAD card holders and new graduates. The emphasis on in-house funding and underwriting supports a faster, more flexible loan process.

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