with direct lending
Apply with Keith
Keith was a top-producing mortgage professional for the wealth management branch of a “big bank” based in Los Angeles for the first 12 years of his mortgage career. He credits his success to one simple philosophy: giving every client a tailored mortgage experience with top quality service and individual attention. In 2017, Keith chose to leave the corporate bank world and join a local, trusted direct lender. Working at Capstone Direct has given him a local processing, underwriting, and closing team, allowing him to meet the demands of his referral partners and clients. To Keith, local service means that decisions are made quickly and closings happen on time, every time with no exceptions. He believes in keeping his clients well informed from the time of application all the way through closing.
Why People Love Working With Keith
Why Choose Capstone Direct?
Since we’re a direct lender, we can quote some of the most competitive rates around. Our process makes getting you quotes quick and simple.
Close On Time
Stress-free, delay free. We’ll make sure you close on the day you plan to move.
The Right Fit
Thinking about buying? Wondering if it’s time to refinance? We’ll help you select the perfect loan type for your situation.
Client satisfaction is essential to us. Take a look at our reviews to see what others are saying.
What We Offer
Fixed Rate Mortgages
Interest rates for fixed rate loans are typically lower for shorter term loans and for borrowers with excellent, above average credit scores.
Variable Rate Mortgages
Variable rate loans are popular when the prime rate (the amount the U.S. government charges lending institutions to borrow money) is low.
FHA (Federal Housing Administration) are government insured loans that are a preferable option for borrowers who have less than 20% for their down payment, and who may not have the best credit score.
Refinancing & Reverse Mortgages
If you already own a home, refinancing is something to consider when current interest rates are lower than the rate of your current mortgage. For people 62 or older, getting a reverse mortgage on your home can be a way to provide additional income.
The Capstone Way
Capstone Direct is committed to empowering its customers, employees and business partners with a tangible foundation of service and useful information to contribute to their making the best decisions possible for themselves so that we all may “RISE”.
Since buying a home is one of the most important decisions of an individual’s life, Keith strives to make it not only a smooth process, but an enjoyable one as well. With over 14 years’ experience Keith understands that no two mortgages are the same and everyone’s situation is unique. He prides himself in trying to make impossible lending situations possible.
In Keith’s words, “I believe in ‘under-promising and always over-delivering’. As a result of this over 98% of my business is by referral from past clients and real estate professionals. Feel free to contact me at your convenience: days, nights, or weekends. I am here to help when you need it. Typical bank hours simply don’t cut it when making a big decisions—like buying a home. I believe in being available to clients beyond 9-5.”