with direct lending
Apply with Mike
With over 20 years of experience in the mortgage industry, Mike 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 low rates.
Why People Love Working With Mike
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”.
Prior to founding Capstone Direct, Mike served as the Senior Vice President of Secondary Marketing at Oakmont Mortgage which was eventually purchased by Ownit Mortgage Solutions.
Mike graduated with his B.S. from Cal Lutheran University in Business Administration. Outside of the office, Mike is a devoted family man, married for 20+ years with 4 kids and is very active in his local church and the Ventura County Foster Care system.