John Capobianco

Starting my career in personal finance over seven years ago has equipped me with a unique perspective and specific qualification for entering into the mortgage industry in 2020.  Beginning my financial career, assisting everyday people repair their credit, eliminate their debt and putting the right foot forward towards their financial dreams has allowed me to succeed in the mortgage industry.  I understand the importance of homeownership, the difficulty to obtain, and the profound impact that owning a home can have on one’s financial situation. I pride myself on setting expectations, providing clear communication, and tailoring each clients needs with the correct loan product, in order to make the transaction as smooth as possible.  Whether you’re a first time homebuyer, a self-employed business owner, a cash only employee, or an investor, we have loan products for you.  I consider it an honor and privilege to work with each and every client.  

What are your goals?  Are you looking to refinance for a better rate?  Borrow against the equity in your home?  Or looking to achieve homeownership? No matter the situation, we will put you on the right path to help you achieve your financial goals.  

Here to Help with all Your Mortgage Needs! I’m a phone call away. Reach via Phone, Email, or Apply Directly through My Site. Apply Now!

A Berks County native, Ken brings with him 29 years of Mortgage and Finance experience. He is well known for his expert knowledge in the mortgage industry and the excellent customer service that he provides. Ken takes the time to ensure that every customer understands the process, the loan product being entered, and how things work. Ken takes the time to ensure that the interest of the customer is always front and center on every transaction. Ken is a proud father of two children and happily married, and lives with his family in Kutztown, PA. He also has a passion for coaching soccer to all ages and teaching the attributes of the game and how it can impact a child’s life. Ken also has a strong passion for all outdoor activities. His favorite quote is “Success is no accident, it is hard work, perseverance, learning, studying, sacrifice and most of all, love of what you are doing or learning to do” – Pele.

Meet Lamar Grant, Your Local Trusted Mortgage Expert:

I am a native of North Carolina, in which I was born and raised here. I have extensive knowledge of the territory of North and South Carolina in which I focus my efforts to those that are looking to make this their home.

With my many years of experience in the mortgage industry, I have helped individuals along with their families to become Homeowners. Every family has their own goals and special circumstances that require someone who has extensive knowledge of a large variety of mortgage loan programs, so that they have options no matter what those circumstances may be. I am that someone who can cater to those needs whether you are a First Time Homebuyer or a Seasoned Veteran looking for your first dream home or your tenth. We have programs available for you to buy a secondary or vacation home, or for that savvy investor who knows housing is one of the best investments that tends to grow substantially in value over time as well as generating more revenue for your family almost instantaneous. 

As a Mortgage Loan Officer for Bayshore Mortgage Funding in Charlotte, NC, my goal is to make the mortgage loan process as smooth and seamless as possible. I dedicate myself to you to provide clear communication, timely updates, and a personalized approach to each client’s needs to make it a positive and stress free as possible.

We offer many options for Purchases and Refinancing for all residential properties.

Programs available:

– Conventional Conforming

– Conventional Non-Conforming 

– FHA

– USDA

– VA

– Down Payment Assistance

– Construction to Perm

– Renovation Loans

– Cash-out Refinance

– Manufactured & Modular Homes 

Give me a call today or click Apply Now to get Started. I can provide you with an evaluation of your current eligibility to become a homeowner today! 

Here to Help with all Your Mortgage Needs! I’m a phone call away. Reach via Phone, Email, or Apply Directly through My Site. Apply Now!

LOAN TYPES: VA / FHA / CONVENTIONAL / USDA / INVESTMENT

If you are looking for a painless mortgage experience, look no further, you’ve come to the right place! Having worked in the mortgage industry for over 15 years, I know what it takes to get you to the finish line with ease. I don’t like surprises and know you don’t either. 

Honesty, integrity, timeliness and providing the right product and service to my clients is of the utmost importance to me. Working with me is knowing you will experience 5-Star customer service with excellent communication and the assurance of knowing your loan will close on time.

Whether you’re looking to purchase a new home or refinance an existing one, you can count on me to always look out for your best interests, and keep you informed throughout every step of the lending process. I will work directly with any Real Estate Agent of your choice and keep them informed every step of the way as well.

I have been blessed to get to know many of my clients on a personal level and now consider them friends. I’ve had the opportunity to help many of their family and friends with their own mortgage needs. Referrals are such a huge part of our industry, so it’s an honor and privilege I don’t take lightly and aim to make every client’s mortgage experience one that they will be sure tell people about. 

I have been able to serve some really amazing people and truly LOVE what I do!

Call me today, for help with getting pre-approved!!!

What advice would you give new or first time home buyers?

The best advice I could offer First Time Home Buyers is to prepare early on by talking to a mortgage professional to discuss your goals and to come up with a custom plan that best fits YOUR needs. 

By discussing your mortgage options and personal credit report profile early, first time home buyers can develop a game-plan leading into the one of the biggest investments of their life. Proper preparation leads to a much smoother and enjoyable process for all everyone involved. It is extremely important to feel comfortable with your new mortgage payments, which is why it’s so important to discuss your goals early and often throughout the mortgage process. 
Also, please don’t be afraid to ask questions! It’s my job to get you to the finish line (and I will!), but it’s also my job to educate my clients on the process and make sure they understand what they’re doing and how things work. 

I was raised in a small town in Eastern Oregon. I have a wonderful husband and two amazing little kids and love being their mom! In my free time, you can find me playing with my dogs, riding my horse, cooking, and spending time with friends and family. I think that homeownership is such a wonderful thing and I love being able to help people achieve their dreams. Welcome to my website, and congratulations on taking the first step to buying or refinancing your home. I look forward to putting my expertise and mortgage services to work for you! With Bayshore Mortgage Funding, you’re in good hands and can have the peace of mind knowing we offer a wide variety of loan programs and the most current rates available, together with the assistance of a seasoned customer support team. We’re here for you, ready to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs. Apply Now!

Here to Help with all Your Mortgage Needs! I’m a phone call away. Reach via Phone, Email, or Apply Directly through My Site. Apply Now!

Welcome to my website, and congratulations on taking the first step to buying or refinancing your home. I look forward to putting my expertise and mortgage services to work for you!

With Bayshore Mortgage Funding you’re in good hands and can have the peace of mind knowing we offer a wide variety of loan programs and most current rates available, together with the assistance of a seasoned customer support team.

We’re here for you, ready to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.