Professionals who know the CSRA and Lowcountry

Mortgage Capital Services, LLC

Company NMLS #2694379

Reverse Equity Mortgages for Today's Retirement.

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.

Billy D. Peel, Founder and Managing Partner

NMLS #332044

For senior homeowners & families

Reverse Equity Lending.

Billy D. Peel, Founder and Managing Partner

Billy D. Peel is the Founder and Managing Partner of Mortgage Capital Services LLC. Billy brings more than four decades of experience in mortgage lending, banking, real estate finance, and financial consulting. Since establishing Mortgage Capital in 1995, Billy has helped individuals, families, investors, and businesses evaluate financing strategies designed around their specific needs and long-term objectives.

A graduate of the University of Georgia with a BBA in Real Estate and Urban Development and a minor in Finance, Billy has also completed advanced graduate-level coursework in finance. Billy holds both Real Estate Broker and Mortgage Broker licenses in Georgia and South Carolina. His education, combined with decades of practical lending and real estate experience, provides a strong foundation for evaluating both the financial and real estate considerations involved in using home equity during retirement.

Today, Billy's primary focus is Reverse Equity lending, including FHA-insured Home Equity Conversion Mortgages (HECMs) and other Reverse Equity lending options. He works with senior homeowners and their families, as well as Realtors, financial planners, attorneys, and other professional advisers, to evaluate how home equity may be used to improve retirement liquidity, preserve invested assets, remain in the current home, downsize or relocate, or help fund the purchase of a new home.

Billy's goal is to provide the mortgage expertise, loan analysis, and financial comparisons necessary to help clients understand their alternatives and determine whether a Reverse Equity lending strategy fits their broader retirement and financial objectives.

Reverse Equity Solutions (Without a monthly P & I Mortgage Payment)*

Stay in your home
Create retirement liquidity
Purchase a new home
Downsize or relocate

Explore Reverse Equity 706-250-0339 bpeel@mcsfunding.net

Samantha Peel

NMLS #2685482

For homeowners & homebuyers

Reverse Equity Lending.

Guidance for Seniors

Samantha S. Peel, Senior Loan Officer and Member Partner

Samantha S. Peel is a Senior Loan Officer and Member Partner with Mortgage Capital Services LLC. With more than 12 years of experience working with seniors and their families. Samantha understands the financial and housing decisions that often accompany retirement. She specializes in refinances or purchases, helping seniors use their home equity to remain in their homes, relocate or downsize. All while supplementing healthcare needs, retirement income and preserving their retirement assets. Samantha is licensed in Georgia and South Carolina and is committed to providing clear guidance and personalized service.

*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.

Home Equity Conversion Mortgage
Home Equity Line of Credit
Reverse Equity Purchase

Explore residential options 706-250-0339 speel@mcsfunding.net

Older couple walking through downtown Beaufort at sunset

Your community. Your lending team.

More possibilities from your Lowcountry home.

Work with a professional who knows Beaufort, the Lowcountry, and the priorities of homeowners throughout the area.

Schedule a conversation Call 706-250-0339

CSRA & Lowcountry knowledge Plain-language guidance People you can call

Beaufort knowledge matters

Guidance from professionals who know Beaufort, SC.

For Beaufort and Lowcountry homeowners, homebuyers, seniors, and business owners, our professionals understand the communities, homes, businesses, and local priorities that shape lending decisions here.

Beaufort, SCLowcountryBeaufort County

Meet your local team

Billy D. PeelCommercial & Reverse Equity

Samantha S. PeelResidential & Reverse Equity

How can we help?

Choose the Beaufort lending path that fits your goals

Whether you are planning for retirement in Beaufort, buying a home, or growing a business, we start with a conversation.

For Beaufort homeowners 62+

Reverse Equity

Explore Beaufort reverse equity options with a professional familiar with local homeowners, property values, and retirement priorities across the Lowcountry.

Explore reverse equity

For Beaufort homebuyers & owners

Residential Lending

Thoughtful guidance for Beaufort home purchases and refinancing from a team that understands Lowcountry communities.

Discuss residential lending

For Beaufort business owners

Commercial Lending

Practical financing support informed by Beaufort commercial properties, businesses, and local opportunities.

Explore commercial lending

62+Minimum age for most reverse equity borrowers

“Your questions deserve clear, patient answers.”

Understanding reverse equity

More flexibility from the home you love

A Beaufort 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.

Beaufort homeowners remain the owners of their homes. 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.

Supplement retirement income
Pay for home improvements or healthcare needs
Establish a flexible line of credit
Purchase a new primary residence

Partnered with

NMLS #1025894

NMLS #957935

See whether reverse equity may fit your plans

Video library

Clear explanations before you decide

Short educational videos can help homeowners and families understand reverse equity basics, responsibilities, and common planning questions.

Start here

How may borrowers use funds?

Common ways homeowners age 62 and older put their proceeds to work.

What continues

Tapping equity during a down market

Why some retirees draw on home equity instead of selling investments.

Compare senior HELOC options

Next chapter

Could a proprietary option help?

How proprietary options differ from a standard reverse mortgage.

Contact us about your questions

Local help, start to finish

Guidance at every step

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 lending professional stays accessible and helps you move through the application process.

Your Beaufort lending team

Professionals who know Beaufort and the Lowcountry.

Mortgage Capital Services LLC, NMLS #2694379, serves Beaufort families, seniors, homebuyers, homeowners, and businesses throughout the Lowcountry.

Our professionals know Beaufort because it is one of the communities they serve every day. That familiarity helps them understand local properties, community priorities, and the questions Beaufort borrowers 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.

NMLS #332044

706-250-0339 · Email Billy

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.

706-250-0339 · Email Samantha

Commercial lending with local perspective

Capital solutions for growing businesses

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

Call Billy: 706-250-0135Billy D. Peel · NMLS #332044

Common questions

Start with the basics

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 Beaufort?

Yes. Our professionals serve Beaufort and the Lowcountry. You will speak with a regional professional who understands Beaufort homeowners, homebuyers, and businesses 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 Beaufort

Your Beaufort lending professional is only a conversation away.

Tell us how you would like to be contacted. A professional who serves Beaufort and the 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 educational guide

Know what to ask before you decide

Download a plain-language guide to help you begin a productive conversation with your family and lending professional.

Read the free guide

Call your local professional706-250-0339