New Beginnings
with direct lending
Apply with Keith
With more than 15 years of experience in the mortgage industry, Keith has the skills and expertise to meet all of his clients’ mortgage lending needs. In addition to English, Keith is fluent in five languages: Conventional, FHA, VA, Jumbo, and First Time Home Buyers.
To ensure his clients feel comfortable and at ease with the entire mortgage process, he works closely with each one from the point of application to closing and beyond. His motto is “a well-informed client is the foundation of a happy client.”
NMLS: 1694131
Why People Love Working With Keith
Why Choose Capstone Direct?
Competitive Rates
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.
Highly Rated
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 Loans
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”.
On a personal note, Keith is a husband, father of two children…..and two dogs that are treated like children. Outside the office, you’ll find him cheering on his kids at their sporting events, attending Dodger games whenever possible, and burning food on the BBQ likes it’s his job.
NMLS: 1694131