Capstone Direct began in 2007 during one of the greatest economic disasters in American history, with the mortgage industry gaining infamy and losing trust among people across the nation. While others might’ve considered this the wrong time to start a mortgage company, Founder Mike Wise saw an opportunity to eliminate people’s greatest concerns by doing the mortgage business differently.

R.I.S.E…It’s what make Capstone Direct shine


with clients, vendors,
business partners, and


We are honest,
transparent, trustworthy,
and responsible.


Responsive and friendly,
we close on time and
communicate clearly.


Knowledge, education, and years of service help us guide our clients.

Meet the Founder

With over 30 years of experience in the mortgage industry under his belt, Mike Wise is a seasoned business executive, well-versed in every imaginable aspect of mortgage banking. He has a solid track record as a strategic, innovative, and results-driven leader who emphasizes ethics, loyalty, and enthusiasm in both his team and client relations. With Mike as the driving force, Capstone Direct has become a lender capable of offering clients a superior loan application experience while maintaining competitive rates. Mike has been married to his wife, Kristen, since 1992. Together they have four biological kids and have fostered over 100 children.

Community Impact

Helping people find homes is at the heart of Capstone Direct. Every day, we have the privilege of helping people secure first homes, dream homes, second homes and more. But we realize that the concept of home is further out of reach for many in our local community.

That is why Capstone Direct actively invests in the foster care community through advocacy, parenting, fundraising and more. Along with providing financial and advisory support to local organizations like RaisingHope Inc., CEO Mike Wise and his wife Kristen take an active role as foster parents, providing short-term placements for foster children, ages 0-18, in the greater Ventura County.

Capstone Direct’s passion for positive impact, both in the business industry and in the local community, fuels our vision for growth and desire to succeed. And just as our founders’ commitment to giving children a home has inspired action among those in our organization, Capstone Direct hopes to inspire others to consider giving their time, talent, and treasure.

Meet Our Team


It was a very easy and smooth refinance process with Mike and his Capstone team. They were open with their communication during every step of the process. Great job by all. I highly recommend Mike and his team.


Great fast, efficient service! Mike’s team was helpful and always willing to answer any questions. They funded my loan quickly and efficiently. I would definitely recommend Mike Wise and his team! Thank you, Mike!


Always kept us informed on how the loan was proceeding. Very friendly staff. This was the second time we used Mike and his company for home loans. Would recommended Mike for any loan service.


Customer Stories

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