There are a lot of options when it comes to a mortgage loan. At Capstone Direct, we take the time to listen so we can help you find the right financing options for your situation.

1st Time Home Purchases

If you’re getting ready to purchase a home for the first time, you might feel a little overwhelmed…and that’s totally normal! There are a lot of things to consider, and we hope to help simplify the process with expert advice and plenty of options that work for your specific situation.

Investment Properties

Purchasing a property has the potential to be an incredibly lucrative and low-risk investment if handled correctly. Not only is it typically considered a more stable investment, but it can also function as a source of income if rented or leased. No matter which type of property you are seeking to acquire, we are here to provide you with a convenient and mutually beneficial lending process.

Vacation Homes

If you’ve found a property that you consider to be a dream vacation home, we’re here to help you navigate through the process of purchasing it. A vacation home can be more than a fun investment; it can be a lucrative one as well. If you decide to rent this home during the times that you’re not there, it can function as a stable and significant monthly source of income.

Purchase Experts

Our purchase Experts are well experienced in coordinating real estate transactions that proceed efficiently and close on time. Of course, that’s not the only advantage you’ll get from doing business with us. At Capstone Direct, we are firmly committed to providing you with the best lending experience.

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Refinancing Benefits

Refinancing your home could easily save you thousands upon thousands of dollars in the coming years. Whenever interest rates are lower than the rate you are currently paying, it’s in your best interest to refinance. Even if you’ve refinanced recently, there still might be thousands of dollars more in savings for you to take advantage of. We even offer no cost refinancing options!

Lower Your Payment

The most common reason for refinancing a mortgage is to take advantage of lower interest rates. This might seem obvious, but you’d be amazed how few people bother to take advantage of the thousands of dollars in potential savings refinancing offers. If the current interest rates being offered are significantly lower than the rate you are paying on your mortgage, now is the time to refinance. If you do so, you’ll find yourself with significantly lower monthly payments and far greater financial flexibility.

Consolidate Your Debt

If you are currently stuck with debt at a high interest rate, you should consider the option of consolidating this debt into a new mortgage. Assuming that you already have some cash on hand, consolidating some other form of debt into a mortgage with a far lower interest rate can give you a long-term financial advantage over your current situation.

Get Cash Out

Do you find yourself in need of cash in order to fund your most important investments? Assuming that you have equity in your home, meaning you’ve paid off a portion of your mortgage already, then refinancing can provide the ideal solution. To begin evaluating whether this may work for you, get in touch and we can take a look at your current situation and advise you appropriately.

Fixed Rate Loans

A fixed rate loan, as you would expect, is a loan that charges a fixed interest rate for the entirety of its duration. Fixed rate loans provide the advantage of complete stability and predictability. With a fixed rate loan, you can calculate exactly how much you will be paying over any given time interval within the duration of your loan.

Adjustable Rate Loans

If you are looking to begin the process of applying for a mortgage, one of the first decisions you’ll need to make is whether to get a fixed rate loan or an adjustable rate loan. Our team of experts are standing by and ready to assist you with navigating the details of this decision.

California Home Loans

Capstone Direct has worked to provide hardworking Californians with the funding they need to make their next move a reality. Whether you need to get on the real estate ladder, renovate your existing home, remortgage, or purchase a second home, we will support you in getting the funding you need.

Jumbo Loans

Jumbo loans are conventional mortgage loans that exceed the conforming size limits of other mortgages. The limits vary by county, but they are there to enable you to buy in the Golden State.

Veteran Affairs (VA) Loan California

If you are a veteran looking to finance the purchase of a home, then you are most likely eligible for a VA loan. VA loans are loans partially guaranteed by the U.S. Department of Veterans Affairs, which allows lenders like us to reward veterans with far more favorable loan terms. In most cases, eligible applicants will be able to receive a mortgage at a low interest rate without having to put forth a down payment.

FHA Loans California

Federal Housing Administration (FHA) mortgages are a special type of mortgage that is insured by the government and comes with a variety of advantages. FHA mortgages are only granted to qualified buyers and allow for more flexible credit requirements in applications.

Reverse Mortgage

If you’re over the age of 62, a Reverse Mortgage may be a sound financial option for you to consider. A reverse mortgage can provide supplemental income for individuals who have significant equity in their homes and can be a path to financial security for those who feel they haven’t sufficiently saved for retirement, all while maintaining home ownership.


A home equity line of credit (HELOC) is a type of home loan that allows homeowners to borrow money against the equity they’ve stored in their homes. Instead of borrowing a fixed dollar amount, a HELOC has a maximum draw similar to a credit card.

Loan Types

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Tip: If you plan to put 20% or more down, you won’t need PMI (Private Mortgage Insurance).

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