Choose an affiliation you can be proud of by choosing a partner that is confident in their abilities and reliable in their service. Capital Mortgage Services of Texas is your answer with our experienced staff and prompt service. We make sure you get a competitive price from a partner who understands your needs for quick turnaround times and secure processes.

We offer cutting edge technology while never forgetting the personal touch that earned us 30 years in the business. We customize our options to fit your portfolio with a consistent eye on compliance and a carefully assembled professional staff.

  • Limited Overlays
  • No additional LLPAs
  • GNMA, FNMA, FHLMC Direct
  • Quick turnaround times
  • Service all loans purchased
  • Servicing portfolio in excess of 1.6 Billion
  • Reputation for Excellent Client Support
  • Offer the ability for you to monitor loan delivery on a daily, weekly or monthly basis
  • Fannie Mae and FHA sponsorship available to qualified lenders
  • Pioneering banking concepts and technology
  • Overlay kickback loans purchased at above competition price
  • Captive warehouse lines available to qualified lenders, with our sponsorship
  • Boost Lending Ability by 20% with our quick turnaround times
  • Become a Delegated Lender in as little as 5-10 days


Capital Mortgage Services of Texas provides a mortgage company with over 30 years of experience in helping our customers. We understand that this isn’t just a loan to you, it’s your home. We take that responsibility very seriously. We pride ourselves on offering you technology that provides you convenience without losing our personal touch. Anyone can value your business — at Capital Mortgage Services of Texas, we value your relationship.

In today’s tumultous lending climate, it can be a very scary decision to choose a lender. We help take the worry out of that decision, for you. We have survived the recent economic craziness because we never lost sight of doing things the right way — and for the right reasons.

We make loans that make sense.

  • Online payments and account information
  • No endless automated telephone system
  • Family owned and operated business since 1986
  • Common Sense and Good Judgment


We retain all servicing rights on every loan that we purchase. We properly control all aspects of a loan in post purchase. Our prepared servicing professionals ensure that every loan, whether its retail or wholesale, conforms to all investor guidelines. Our key difference is compassionate customer service. Our staff is committed to making sure all issues are examined thoroughly and promptly. We understand the frustrations of not being able to talk to someone, an actual someone — that’s why all of our callers speak to an actual person. We firmly believe in keeping our commitments to you and work hard each and every day for you. We engage advanced solutions to make sure we provide you cutting edge services, but never lose sight of the personal touches.

  • Collect and apply funds properly from the borrower
  • Accurately analyze escrow accounts
  • Pay taxes and property insurance on time to minimize risks
  • Escrow analysis, mortgage status, etc. provided annually
  • Insure that all aspects of the mortgage are serviced in compliance with guidelines.