Capstone Home Loans, a division of American Pacific Mortgage Corporation NMLS #1850 : Licensed by the Department of Business Oversight Under the California Residential Mortgage Act. Equal Housing Opportunity. If you are considering home ownership for the first time, you need to decide whether a home purchase makes financial and practical sense for you right now. Buying a home offers many advantages, from the most basic desire of pride of ownership to tax deductions and building equity. There are many ways to finance your first or next home.From fixed interest loans to adjustable rate mortgage loans, the mortgage options available to homeowners are vast.