with direct lending
Apply with Martin
Martin Litwin has been in mortgage lending since 1985 and began his career in lending after graduating from California State University with a B.A. in Finance. Martin’s service begins with an initial consultation, where he will explain the necessary steps to prepare for the loan process leading to home ownership.
Why People Love Working With Brian
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”.
In addition to assisting first time buyers and obtaining traditional loans, Martin also specializes in high balance loans, FHA and VA loans, and super jumbo loans, and he has great success in finding financing even for those with low down payments.
Martin takes pride in providing a high level of service throughout the home buying process, even after the loan closes. He has a proven track record of succeeding in providing mortgage financing when other lenders have failed.