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About Us
CapCenter’s mission is to help our customers purchase and refinance their primary,
vacation and investment homes by providing financing at market interest rates without
charging traditional closing costs. We hold ourselves to the highest standards of
ethical conduct and consider our borrowers’ best interests in helping them select
the right loan for their specific needs.
By combining the talents of our in house lenders and attorneys, our customers receive
professional representation during every step of the lending process. They also
save on traditional closing costs such as broker fees, lender fees, appraisals,
credit reports, mortgage title insurance and more.
CapCenter leverages the latest technology and the expertise of its dedicated and
experienced professionals to simplify the closing process. Our customers avoid the
hassles of dealing with multiple third parties and get their funding quickly and
efficiently.
Capital Center, LLC was formed and licensed as a mortgage lender by the Virginia
Bureau of Financial Institutions of the State Corporation Commission in 1997. CapCenter
is an approved Fannie Mae Seller/Servicer and a HUD approved FHA lender.
Since its founding in 1997, CapCenter has provided more than $1 billion in home
loans to Virginia homeowners.
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Gary T. Piacentini - Founder and President
Gary founded CapCenter in 1997 with a passion to build a mortgage company that treats
its borrowers as “clients” rather than just customers and a company that displays
the highest levels of integrity in every customer, employee and business partner
interaction. Gary currently serves as company president and remains very involved
in CapCenter’s day to day operations. Gary is highly respected by his peers in the
mortgage industry and has served on advisory boards for several leading mortgage
organizations.
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A graduate of the University of Richmond’s T.C. Willams School of Law, Gary was
a practicing attorney for over 20 years prior to starting CapCenter. During this
time, he gained an in depth understanding of the mortgage business while serving
as counsel to the mortgage banking subsidiaries of several banks in the Richmond
area. In his early years as an attorney, Gary served as a Law Clerk for the Honorable
Walter E. Hoffman, District Judge for Eastern District of Virginia, where he drafted
opinions for various federal courts of appeals. Prior to law school, Gary was employed
by KPMG Peat Marwick as a Certified Public Accountant. Gary earned a B.S. in Accounting
from the University of Virginia.
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Kirk D. McQuiddy - General Counsel
Kirk joined CapCenter in 2005 and is the firm’s General Counsel as well as managing
the Secondary Marketing and Closing departments. Kirk earned his J.D. degree from
the Stanford University School of Law where he served as Senior Notes Editor for
the Stanford Law Review. After graduating from law school, Kirk was selected to
clerk for the Honorable Joseph T. Snead of the Ninth Circuit Federal Court of Appeals.
He then practiced law for over 20 years, specializing in bankruptcy and creditor
rights with a special concentration in home mortgage finance. Prior to law school,
Kirk was a licensed Certified Public Accountant and was employed by Arthur Young
& Company.
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Bill Heyer - Compliance Attorney
Bill Heyer serves as the firm’s Compliance Attorney. Bill is a cum laude graduate
of the University of Richmond’s T.C. Williams School of Law. Prior to attending
law school, Bill graduated from Randolph-Macon College, double majoring in Economics
and Political Science.
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Beth C. Spilman – Vice President of Sales & Marketing
Beth joined CapCenter in 2008 as Vice President of Sales and Marketing. She is responsible
for CapCenter’s strategic marketing initiatives and brand development, and for leading
its sales team. Prior to joining CapCenter, Beth served as Chief Marketing Officer
of a multi million dollar division of GMAC, the financial services arm of General
Motors. As Chief Marketing Officer, Beth managed a large national sales force and
implemented a myriad of innovative marketing programs spanning multiple distribution
channels. She is a graduate of the University of Virginia and earned an M.B.A. degree
from UVA’s Darden School of Business.
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Laura R. Kewer – Director of Accounting and Administration
Laura has served as Director of Accounting and Administration since joining CapCenter
in 2001. In this role she manages the firm’s Human Resources, Accounting, Financial
Reporting, and Administration functions. Laura earned a B.B.A. from Eastern Michigan
University and spent most of her pre-CapCenter career managing Finance operations
of various organizations.
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Hazel F. Rice - Assistant Vice President
Hazel has been with CapCenter since its early days and has earned a reputation in
the mortgage industry as a pre-eminent manager of quality control. In addition to
her quality control role, Hazel manages the firm’s relationships with its correspondent
lenders and suppliers. Hazel brings 25 years of financial services experience to
CapCenter having held a variety of managerial positions with several Virginia banks.
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Lynn Spencer - Accounting Manager
As Cap Center’s Accounting Manager, Lynn oversees the day to day accounting functions
including Cash Management and Accounts Payable. She is a Certified Public Accountant
with over 23 years experience in Accounting. Lynn earned a BS in Accounting from
Christopher Newport University and remains active in the Virginia Society of CPAs
and other professional organizations.
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Need expert advice on your new home loan or refinance?
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804-968-5000
Monday-Friday, 8:30am to 5:00pm
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