Mortgage Capital Services
Choose the team that best fits your goals. You will work directly with an agent who knows the CSRA and Lowcountry.
For businesses & investors
with Billy D. Peel, Managing Partner
More than 40 years of lending and brokerage experience, with customized capital solutions for small and mid-size businesses.
For homeowners & homebuyers
with Samantha S. Peel, Mortgage Loan Officer
Patient, personal guidance for home purchases, refinancing, and reverse equity options for homeowners age 62 and older.
Your community. Your lending team.
Explore reverse equity and residential lending options with a local professional who takes time to listen.
CSRA & Lowcountry knowledge Plain-language guidance People you can call
Regional knowledge matters
From Augusta and the CSRA to Savannah, Beaufort, and the Lowcountry, our agents understand the communities, homes, businesses, and local priorities that shape lending decisions here.
How can we help?
Whether you are planning for retirement, buying a home, or growing a business, we start with a conversation.
For local homeowners 62+
Explore your home equity options with an agent familiar with homeowners, property values, and retirement priorities across our region.
Explore reverse equityFor local homebuyers & owners
Thoughtful guidance for purchases and refinancing from a team that understands CSRA and Lowcountry communities.
Discuss residential lendingFor local business owners
Practical financing support informed by the commercial properties, businesses, and opportunities in our area.
Explore commercial lendingUnderstanding reverse equity
A reverse equity loan is designed for homeowners age 62 and older. It may allow you to convert part of your home’s equity into funds without a required monthly mortgage payment.
You remain the owner of your home. You must continue to pay property taxes, homeowners insurance, and maintain the property. The loan becomes due when the last borrower leaves the home, sells it, or does not meet the loan obligations.
Partnered with
NMLS #1025894
NMLS #957935
Video library
Short educational videos can help homeowners and families understand reverse equity basics, responsibilities, and common planning questions.
Start here
A plain-language introduction to common ways homeowners may use reverse equity proceeds.
What continues
Review how home equity may fit into income and asset planning during market volatility.
Compare senior HELOC optionsNext chapter
Explore how homeowners may compare product options when standard choices do not answer every planning question.
Local help, start to finish
You work with people who know the region, move at your pace, and make sure you understand your options.
Share your goals with someone familiar with the communities we serve.
We explain potential loan choices, local considerations, costs, and responsibilities clearly.
Your agent stays accessible and helps you move through the application process.
Your regional lending team
Mortgage Capital Services LLC, NMLS #2694379, serves families and businesses from Augusta and the Central Savannah River Area to Savannah, Beaufort, and surrounding Lowcountry communities.
Our agents know this region because it is the area they serve every day. That familiarity helps them understand local properties, community priorities, and the questions borrowers here are likely to have. You receive focused expertise without losing the personal service of a team you can call directly.
Managing Partner · NMLS #332044
With more than 40 years in residential and commercial finance, Billy provides relationship-driven capital solutions. He earned his University of Georgia degree in Real Estate and Urban Development with a minor in Finance.
(706) 250-2757 · Email BillyMortgage Loan Officer · NMLS #2685482
Samantha provides patient, personal guidance informed by the homeowners and communities she serves throughout the region. Licensed in Georgia and South Carolina.
(706) 832-8263 · Email SamanthaCommercial lending with local perspective
Billy Peel works directly with small and mid-size companies across the CSRA and Lowcountry, combining more than 40 years of experience with real one-on-one attention.
Common questions
Reverse equity describes loan products commonly known as reverse mortgages. We use the term because the loan allows eligible homeowners to access a portion of their home equity. Product names and requirements vary, and we will explain the specific loan being considered.
Yes. You retain title to your home. You must continue to meet loan obligations, including paying property taxes and homeowners insurance and keeping the home in good condition.
Most reverse equity loans do not require monthly principal and interest payments while an eligible borrower lives in the home and meets all loan obligations. Interest and fees are added to the loan balance over time.
The amount depends on factors such as borrower age, home value, current interest rates, existing mortgage debt, and the specific product. A conversation with our team can provide a more useful estimate.
Yes. Our agents focus on the CSRA and Lowcountry, including Augusta, Savannah, and Beaufort. You will speak with a regional professional who understands the communities we serve and can remain accessible throughout the process.
We begin with a no-pressure conversation with a local agent. We will ask about your goals, explain relevant options, and outline next steps. You are not obligated to apply.
Talk with someone who knows the area
Tell us how you would like to be contacted. An agent who serves the CSRA and Lowcountry will follow up personally to learn about your goals.
Free educational guide
Download a plain-language guide to help you begin a productive conversation with your family and lending professional.
Read the free guideReverse equity planning
