Before we even started the homebuying process, we were honestly dreading the loan part of it. It felt overwhelming and daunting, but our stress was eased the moment we sat down with Rick Darlington at Capital City Home Loans. Rick didn’t just walk us through the numbers; he took the time to explain the why behind everything. He helped us understand how the market impacts rates, the pros and cons of locking versus waiting, and how all the moving parts fit together. He didn’t just help us buy a home - he educated us into becoming confident, informed buyers. If my wife and I were to go through the homebuying process again, there’s a lot we might do differently, but working with Rick and Capital City Home Loans wouldn’t be one of them.