Business Details
17 Years
experience
Your Trusted Mortgage Partner in Santa Ana, CA
At Capitalend Home Loans, we are dedicated to providing personalized mortgage solutions tailored to the unique needs of every potential homeowner. Founded in 2009, our company operates with a clear mission: to build meaningful relationships through competitive rates, transparent processes, and exceptional customer service. Located in Orange County, California, we serve as a full-service residential mortgage banker, supported by a team of seasoned professionals committed to delivering efficient loan approvals and clear communication. Our approach emphasizes simplicity and expertise, offering battle-tested loan products without unnecessary complexity.We prioritize our partners and clients by maintaining practical product offerings, realistic turn times, and a steadfast commitment to integrity. Our slogan, 'Our Primary Focus is You,' reflects our day-to-day operations, ensuring every client feels valued throughout their home financing journey. By combining a strong work ethic with industry-leading knowledge, we aim to be the trusted partner lenders and borrowers turn to for reliable mortgage solutions. Our dedication to transparency and client-centric service has solidified our reputation as a strategic partner in the mortgage banking industry.
Services
Conventional Loans
Government Loans
Jumbo Loans
Non-QM Loans
Second Mortgages
Details
- Year established: 2009
Highlights and features
- We offer competitive pricing with consistent annual rates for partners.
- Our practical loan products are designed for real-world usability.
- We provide transparent turn times to help partners plan effectively.
- Our team delivers personalized support with decades of mortgage expertise.
- We maintain full transparency in all loan processing and communications.
Associations and certifications
- Nationwide Mortgage Licensing System (NMLS)
Services
Conventional Loans
Conventional loans provide straightforward financing options for clients seeking simplicity. These fixed-rate and adjustable-rate mortgages adhere to Fannie Mae and Freddie Mac guidelines, offering competitive terms for qualified borrowers. Ideal for first-time homebuyers and refinancers, our conventional programs include conforming, high-balance, and specialized options like HomeReady and RefiNow.
Government Loans
Government-backed loans include FHA, VA, and USDA programs designed for specific borrower needs. FHA loans require lower down payments, while VA loans offer benefits to military veterans. Our streamlined processes for FHA/VA refinances and specialized guidelines ensure accessibility for eligible applicants seeking affordable homeownership solutions.
Jumbo Loans
Jumbo loans cater to clients needing financing exceeding conventional limits. Our Jumbo Premier, Plus, and Max programs accommodate high-value properties with flexible underwriting standards. These loans suit luxury home purchases or refinances where standard loan caps are insufficient, providing tailored terms for premium real estate transactions.
Non-QM Loans
Non-qualified mortgage loans serve borrowers with unique financial profiles outside traditional lending criteria. Our Series A, O, S, and V programs include DSCR, alt-doc, and foreign national options. These products address complex income verification, credit history challenges, or non-traditional residency status while maintaining underwriting rigor.
Second Mortgages
Second mortgage options provide additional financing secured by home equity. Our closed-end 2nd lien products suit clients needing funds for renovations, debt consolidation, or investment properties. These fixed-rate loans offer predictable payments and flexible terms to complement primary mortgages while maximizing homeowners' financial opportunities.
Questions
What mortgage products does Capitalend offer?
We provide conventional, government (FHA/VA), jumbo, non-QM, and second mortgage loans tailored to diverse borrower needs.
How quickly do you process loan applications?
Initial disclosures within 24 hours; underwriting and closing timelines vary by loan type with transparent milestone tracking.
Are specialized loan programs available?
Yes, including non-QM options for unique financial situations and foreign national lending programs.
What areas do you serve?
We operate nationwide with a focus on California and licensed partners across multiple states.
