Put Your Home Equity to Work — Without Giving Up the Home You Love or the Retirement Assets You've Worked to Build. Now seniors can use it to downsize, relocate, or purchase a new home. Mortgage Capital Services LLC (NMLS #2694379) covering both Georgia and South Carolina……call today.
For senior homeowners & families
Reverse Equity Lending.
Billy D. Peel — Managing Partner
Billy D. Peel is the Founder and Managing Partner of Mortgage Capital Services LLC, bringing more than four decades of experience in mortgage banking, residential and commercial lending and real estate brokerage. A graduate of the University of Georgia, Billy earned a BBA in Real Estate and Urban Development with a minor in Finance and later completed advanced graduate-level coursework in finance.
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His education in real estate and finance became the foundation for a career that has evolved through virtually every side of the mortgage and real estate industries.
Billy began his mortgage lending career in Augusta, Georgia with Nationwide Lending Group, formerly the mortgage lending division of Southern Finance Corporation. Southern Finance Corporation's roots in Augusta real estate extended beyond mortgage lending through its association with E.G. Meybohm and the real estate business that evolved into today's very successful Meybohm Realtors. Billy advanced through a series of lending and management positions with Nationwide, managing residential mortgage originations and construction-lending offices in Athens and Atlanta. His tenure with the company culminated in Atlanta, where he served as Executive Vice President of Commercial Lending.
Following his tenure with Nationwide, Billy continued to advance his mortgage banking career, serving as a principal and Chief Executive Officer of Mortgage Trust Corporation in Atlanta, a full-service Fannie Mae, Freddie Mac, and FHA-approved mortgage lender with Direct Endorsement (DE) authority. After selling his ownership interest in Mortgage Trust, he continued his career in banking and residential lending, holding lending positions with Regions Bank and Union County Bank.
In 1995, Billy established the mortgage company that ultimately became Mortgage Capital Services LLC. The company provided mortgage brokerage, loan processing, closing, and real estate financing services.
In 2003, Billy and his investment partners formed The Fripp Group LLC and acquired the Fripp Island Real Estate Company, along with other business operations on Fripp Island, South Carolina. Billy served in senior ownership and management roles while continuing the operations of Mortgage Capital Services. After selling his interest in The Fripp Group, Billy returned his primary business activities to the Augusta area, where Mortgage Capital Services LLC continues to operate today.
A Career That Has Come Full Circle
Today, Billy's mortgage practice has expanded to include a specialized emphasis on Reverse Equity lending, including FHA-insured Home Equity Conversion Mortgages (HECMs) and other Reverse Equity proprietary programs.
Through Mortgage Capital Services, Billy works directly with senior homeowners and homebuyers and also collaborates with realtors, real estate companies, financial planners, bank wealth-management professionals, elder-law attorneys, and divorce attorneys when housing, mortgage debt, home equity, and retirement assets intersect.
For Billy, the expanded versatility, updated guidelines, and purchase options now available through Reverse Equity Mortgages have renewed his interest in residential mortgage lending. Today, his focus is on helping senior homeowners and their professional advisers evaluate practical strategies for improving liquidity, preserving retirement assets, addressing housing needs, and creating greater financial flexibility throughout retirement.
Billy holds both Real Estate Broker and Mortgage Broker licenses in Georgia and South Carolina.
Billy D. Peel — NMLS #332044 Mortgage Capital Services LLC — NMLS #2694379
Reverse Equity Solutions (Without a monthly P & I Mortgage Payment)*
Samantha S. Peel, Senior Loan Officer and Member Partner
Samantha S. Peel brings a distinctive combination of mortgage lending, real estate, and senior-living experience to her role as Senior Loan Officer and Member Partner with Mortgage Capital Services LLC. Her career in mortgage finance began with a major bank before she joined her husband, Billy Peel, at Mortgage Capital Services, where she gained hands-on experience in loan processing, closings, and residential mortgage lending.
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In 2003, Samantha and Billy became major investors in The Fripp Group LLC and Fripp Island Real Estate Company and relocated Mortgage Capital Services to Fripp Island, South Carolina. While Billy continued the mortgage business, Samantha transitioned into real estate sales, giving her valuable experience working directly with homeowners, buyers, properties, and the financial decisions surrounding a home purchase or sale.
After the Peels sold their interest in The Fripp Group, Samantha made another important career transition into senior living, where she spent more than 12 years working closely with seniors and their families. That experience gave her a firsthand understanding of housing, healthcare, family, and financial decisions that often accompany retirement and aging. It also strengthened her commitment to helping seniors evaluate their choices with patience, clarity, and personal attention.
Today, Samantha has returned to Mortgage Capital Services to combine the three areas that have defined much of her career: mortgage lending, real estate, and working with seniors. She specializes in Reverse Equity Mortgages for both refinances and purchases, helping qualified senior homeowners evaluate how their home equity may be used to remain in their current home, relocate, downsize or purchase another residence, create additional financial flexibility for healthcare and retirement needs, and preserve other retirement assets.
Licensed in Georgia and South Carolina, her goal is to help seniors and their families understand their available options.
Samantha S. Peel — NMLS #2685482 Mortgage Capital Services LLC — NMLS #2694379
*Borrowers must continue to pay property taxes, homeowners’ insurance, and maintain the property. The loan becomes due when the last borrower leaves the home or sells it.
✓ CSRA & Lowcountry knowledge ✓ Plain-language guidance ✓ People you can call
Regional knowledge matters
Guidance from professionals who know where you live.
From Augusta and the CSRA to Savannah, Beaufort, and the Lowcountry, our professionals understand the communities, homes, businesses, and local priorities that shape Lending decisions here.
Augusta & the CSRASavannahBeaufort & the Lowcountry
How can we help?
Choose the path that fits your goals
Reverse Equity and Reverse Mortgage
Explore home equity options with a professional familiar with Augusta homeowners, property values, and retirement priorities across our region.
A reverse equity loan, commonly called a Reverse Mortgage, 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.
You work with people who know the region, move at your pace, and make sure you understand your options.
1
Talk with a local professional
Share your goals with someone familiar with the communities we serve.
2
Review your options
We explain potential loan choices, local considerations, costs, and responsibilities clearly.
3
Choose with confidence
Your professional stays accessible and helps you move through the application process.
Your regional Lending team
Professionals who know the CSRA and Lowcountry.
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 professionals 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.
Founder and Managing Partner · NMLS #332044
Billy D. Peel
Billy D. Peel has held senior leadership positions throughout his career, including Executive Vice President, bank Vice President, company President, and Chief Executive Officer. He has developed and managed residential and commercial lending operations, advised businesses and real estate investors, and structured financing for a wide range of real estate projects.
More recently, with encouragement from his wife, Samantha, and in response to changes in FHA-insured Reverse Equity programs and the expansion of proprietary lending options for purchases, Billy has broadened the company’s focus to include Reverse Equity lending. Mortgage Capital Services LLC now works with Mutual of Omaha Mortgage and Longbridge Financial to provide clients with additional financing options for retirement and home ownership.
Senior Loan Officer and Member Partner · NMLS #2685482
Samantha S. Peel
For more than 25 years, Samantha Peel has been helping individuals and families navigate some of life's biggest transitions through careers in real estate sales, senior living, and now mortgage lending. After spending over 12 years helping seniors and their loved ones make difficult decisions about moving into senior living communities, she realized that most people share the same goal—they want to remain in the home for as long as possible even if they were having to downsize. Today, as a Mortgage Loan Officer with Mortgage Capital Services, Samantha specializes in helping homeowners age in place by using the equity they've worked so hard to build. Whether it's navigating today's changing economy, planning for retirement, preparing for unexpected expenses, or exploring ways to make retirement more financially secure, her passion is helping families find practical solutions that provide confidence, independence, and peace of mind.
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.
Purchases: office, retail, industrial & mixed useWorking capital & lines of creditConstruction, rehab & land developmentPrivate equity & business acquisitions
Is “reverse equity” the same as a Reverse Mortgage?
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.
Do I still own my home with a reverse equity loan?
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.
Will I have a required monthly mortgage payment?
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.
How much can I qualify for?
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.
Will I work with someone who knows my area?
Yes. Our professionals 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.
How does your consultation work?
We begin with a no-pressure conversation with a local professional. 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
Your local professional is only a conversation away.
Tell us how you would like to be contacted. A professional who serves the CSRA and Lowcountry will follow up personally to learn about your goals.
Prefer to call your regional team?706-250-0339Monday-Friday, 9:00 a.m.-5:00 p.m.
FREE GUIDE5 Questions to Ask About Reverse EquityMortgage Capital Services
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