Contact Lender

Please enter a first and last name.

Please enter a valid phone number.

Please enter a valid email address

Please fill in a note to the lender (5 character minimum, 800 character maximum).

Submitting contact...
An unexpected error occurred. Please try again later.

By clicking “Contact Lender”, you agree that Bank of America, N.A. may contact you at the telephone number or email address you have provided above for purposes of fulfilling this inquiry about mortgage financing, even if you previously registered on a Do Not Call registry or requested Bank of America, N.A. to not send marketing information to you by email. You agree Bank of America, N.A. may use automatic telephone dialing systems and artificial or prerecorded voice messaging in connection with calls or texts made to any telephone number you provide even if the telephone number is assigned to a cellular/mobile telephone service or other service for which the called party is charged. You are not required to consent to receiving autodialed calls or texts as a condition of purchasing any Bank of America, N.A. products or services. If you use a relay or other telephone service for the hearing impaired, please call or have your service call 1.800.915.8026 for help with your loan request.

Profile picture for Victor Rico

Victor Rico


Loan Administrator (9 years experience)

Purchase Loan,
Home Equity

Add personality to your profile! Tell the community about yourself, your home, and your profession.

First Capital Mortgage prides itself on its ability to offer a variety of enticing products, yet remains nimble to accommodate homeowner’s various financial needs. The key to our success is exemplary customer service, business partnerships and the vision of using technology to lower costs and improve efficiency.

Above all First Capital is dedicated to customer service. This philosophy extends not only to our borrowers, but to everyone involved along the way. We believe in setting expectations up front and following through on our commitment to excellence. A loan which closes quickly and to everyone’s satisfaction is our goal every time it helps someone with their mortgage needs.
Our strategy encompasses the nurturing of beneficial partnerships with mortgage brokers, title companies, appraisers, and other industry partners to ensure we are providing the end borrower with the best possible product and service. We also conduct regular competitive assessments to keep abreast of new vendors, technologies, and services that may enhance our service offering as well as decrease lifecycle of a loan.

First Capital understands how technology can change the way businesses provide personalized service at a lower cost. To that end, we have greatly invested in various technologies and are working to provide you with online automated decisioning, the ability to retrieve loan status right online, submit electronic closing docs and more. A large part of First Capital’s corporate vision includes the efficient use of technology to migrate traditionally “old school” business operations into the electronic age via web applications that tie directly into our enterprise wide system.

Please visit our website at
More Less 

Ratings & Reviews


04/24/2008 - moneyhungryman
Closed refinance loan. Lakewood, Village of Lakewood, IL 60014

Loan officer closed my loan very quickly and there were absolutely no suprises at the closing table. Highly recommended.

Response from Victor



05/14/2008 - JonWhite
Gave me a quote on Zillow, but it did not work out. Brookfield, WI 53005

I contacted lender through zillow requesting a good faith estimate and he never provided

Response from Victor