New Beginnings
with direct lending
Apply with Patrick
He works closely with clients throughout the entire mortgage process, keeping them informed and updated along the way, and tailoring solutions to each client’s unique situation.
NMLS: 2075282
Why People Love Working With Patrick
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”.
Patrick received his Bachelor of Science in Electrical Engineering with a minor in Computer Science from San Jose State University, after beginning his college career pursuing a degree in Finance and Business Administration. He is an Airbnb “Super Host” and attributes his ability to convey complex ideas in a simple way to his experience as a university tutor for high level math and physics.
When he’s not helping people with their mortgages, you may find him playing fetch with his dog, brewing craft beer, or fishing from his kayak.
NMLS: 2075282