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Todays Mortgage Rates
Conforming Fixed - Loans up to $417,000
  Product Rate Points APR
  30 Year Fixed 4.000 1.875 4.182
  20 Year Fixed 3.875 2.000 4.142
  15 Year Fixed 3.625 1.250 3.853
  10 Year Fixed 3.500 1.625 3.910
Conforming ARM - Loans up to $417,000
  Product Rate Points APR
  5/1 ARM 3.625 1.250 4.784
  7/1 ARM 3.625 1.500 4.620
  10/1 ARM 3.750 1.750 4.485
FHA - Loans up to FHA standard limits
  Product Rate Points APR
  FHA 30 Year Fixed 3.750 1.711 4.644
  FHA 20 Year Fixed 3.750 1.711 4.901
  FHA 15 Year Fixed 3.375 1.653 4.401
  FHA 5/1 ARM 3.750 1.034 4.743
Last Updated 8/15/2018 6:02:26 PM
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  About Us
25 Years of Excellence in the Mortgage Industry Means Experience You Can Count On
In 1982, Jay Steren believed that a lender could offer affordable loans to its customers and still run a profitable business. He never understood the practice of charging large points or fees and therefore, was determined to provide the lowest possible interest rates and fees available to his mortgage customers.
With that philosophy in mind, he founded Mortgage Capital Associates (MCA). The mortgage professionals at MCA strive to build lasting business relationships based not only on offering you low rates, but on sound business practices. Today, 25 years later, our honesty, integrity and outstanding customer service have helped us achieve our status as one of the nation's top 200 lenders.
Providing You with Easy Access to Mortgage Services Nationwide
Fascinated by the potential of the World Wide Web, Mr. Steren saw to it that MCA was one of the first lenders to use the Internet as a way of marketing the firm. It made researching mortgage information - 24 hours a day - easier for customers like you. And, made it possible for us to reach out to you in the comfort of your own home no matter where you live. The Internet hastened our growth into becoming a successful nationwide lender.
When MCA began, there was one office that served only California residents. Now with 25 years of experience and billions of dollars in funded loans, we have established ourselves as a national direct lender. Doing business in 39 states, it's possible for us to assist you almost anywhere in the United States.
In 2009, Jay Steren partnered with Robert Shamie to create US Mortgage Capital (USMC). USMC is a division of (MCA). USMC's prime objective is deliver the highest level of service to its clients while maintaining the absolute BEST RATES and service levels in the industry. USMC leverages the latest in technology combined with seasoned professionals to deliver the best online lending experience. While our competitors staff their online call centers with novice loan officers, USMC staffs professionals with at least 5 years' experience. These seasoned individuals are all considered to be the best at what they do. Our secret is our people and the difference shows up in our customer satisfaction.
Experience that Translates Into Outstanding Customer Service
Our staff is comprised of experienced professionals knowledgeable in every facet of mortgage lending. Part of their rigorous training includes:
  • Understanding & appreciating the value of hands-on customer service from the moment you begin your loan process with one of them.
  • Learning the latest comparative analysis software so they may research various loan programs and help you select the best one to meet your needs.
  • Mastering loan fulfillment software designed to streamline the processing of your loan with the most liberal credit decisions possible. This ensures quick approvals and fast closings for you.
Your "Best Interest" is our Top Priority!
Contact USMC today to find out what makes us stand out from the competition! Reaching us is easy. Simply
1.Call us at 732-759-8189 and speak with one of our mortgage consultants.
2.Complete our loan inquiry form if you already know what you want.
3.Complete our online loan application and receive quick pre-approval!
Northeast Operations
121 Highway 36, Suite 230
West Long Branch, NJ 07764
Tel: (732) 759-8189 ext. 101
Mobile: (732) 859-2400
Fax: (732) 907-1030