Student Loan Services: Consolidation Loans After graduation, consolidation loans can help ease the burden of repayment by bundling all your student loans into a single loan with one lender and one repayment plan. Both students and parents are eligible to consolidate student loans. Federal Stafford Loans A Stafford Loan is one of the most affordable ways to pay for school. Stafford Loan rates are lower than other forms of consumer financing, and repayment is postponed until you are out of school. Federal PLUS Loans A Federal PLUS (Parent Loan) allows parents to borrow up to the total cost of attendance for each year a child (student) is in school. It is not a need-based loan and more importantly, it is available year round—even if you have already paid tuition and education expenses. The Federal PLUS Loan is a smart financial strategy and it ensures that costs are met at very low interest rates and excellent terms. Private Loans. If federal aid doesn't cover the total cost of your education, you can still get the money you need. Private loans are unsecured, credit-based loans available to students for tuition and fees, living expenses, supplies, computers and other every day living expenses. Lending Services: Through our resources and relationships, our advisers are able to offer different lending products to their clients including student loans, home mortgages and commercial loans. Wholesale Support: Wholesale Support Our staff has many years of experience working behind the scenes with some of the largest life insurance brokerage general agencies in the nation. We have maintained our relationships and as a result, can arm our financial advisers with the resources of the large firms without giving up the service and support typically found at a small firm. Our insurance offerings are extremely strong in the following product lines: Term Life Insurance, Universal LIfe Insurance, Variable Universal Life Insurance, Whole Life Insurance, Long Term Care Insurance, Disability Insurance, Deferred Annuities, Immediate Annuities. Support vs Payout: Our approach to wholesale support is unique. We have learned that in different situations of client involvement, different levels of support are required. Our feeling is that there is an inverse correlation between back-office support and payout. If we need to provide less support, good business sense dictates that we should provide an increased payout. Conversely, if there is more need for CCBA to provide back office support, the same sense dictates a corresponding payout. Capitol City Banking Advisers and our strategic partners can be either as transparent or visible to your clients as is necessary. Our services include point of sale assistance, back office support, designing marketing campaigns, and simply providing products. If you would like more information, please click on "career opportunities" and we will have a specialist contact you. Commercial Lending: Through our unique resources we are able to facilitate traditional financing to “outside-the-box” funding for commercial needs including development and simple business loans. Our resources allow us to find loans ranging from $50,000 up to over $100 million at the most competitive rates. Mortgages: After looking at several mortgage brokerage companies, we have chosen to create a strategic alliance with Amerisave to provide loan products through our financial advisers for all types of home mortgages, including purchase loans, refinance loans and home equity loans.