How do you choose the right lender for you? Well, experience is essential and we've got a lot of that. Equally important in our books is the emphasis we put on personalized service. When it comes to working together toward one of the biggest purchases you will or have ever made, we really listen to you, and we love to help find the right financing options that make sense given your situation.
And, you can count on us to provide some of the most competitive rates around. Get competitive rates by working with a direct lender and we've made the process easier than ever to get a fast quote, even from your mobile device. Whether you're purchasing a home or refinancing, we can save you thousands in the lending process.
And, you can count on us to provide some of the most competitive rates around. Get competitive rates by working with a direct lender and we've made the process easier than ever to get a fast quote, even from your mobile device. Whether you're purchasing a home or refinancing, we can save you thousands in the lending process.
Services
First-time homebuyer or refinancing? We will find you the right rate and program for your specific mortgage situations. Our team of experienced professionals is here to answer any questions you have along the way. With over 22 years of experience in the mortgage industry under his belt, Mike Wise (NMLS 236372) is a seasoned business executive, well versed in every imaginable aspect of mortgage banking.
With housing prices increasing and rates trending upward, many borrowers are seeing their debt to income (DTI) ratio go up because their projected housing payment is now higher than what it was going to be 6-12 months ago. But there are some ways as loan officers we. Some of the gifts we're given by aging family members are a sense of ethics and an ambition to be successful in both our careers and in raising a growing family.
We understand that our clients don't always have the luxury of being able to wait around for weeks and weeks for a loan approval. We understand that once you've found that perfect home you're looking for you'll want to move fast to secure that purchase. This is why we offer free loan pre-qualifications for clients that meet a handful of requirements.
Reviews (22)
Monica Dominguez
Jan 03, 2022
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Province Investment Group
Dec 03, 2021
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I am self-employed and my income taxes are odd, the traditional banks get lost with my case. This is my second time working with Capstone Direct and they personalize every transaction to get me to what we need to obtain mortgage. The team it top notch, the process is fast and easy. Next time I am going back to Mike with my refinance needs. He is my banker forever. Thank you! :)
Raquel Tapie
Nov 21, 2021
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Thank you SO VERY much for all your hard work and help. You're the very best and I will ALWAYS use you and recommend you to everyone I know and do business with.
Thank you for being such a pleasure to work with. You make this process so much easier and fun! Thank you for all you have done for me in explaining and walking me through the process. I'm so very grateful!
Thank you for being such a pleasure to work with. You make this process so much easier and fun! Thank you for all you have done for me in explaining and walking me through the process. I'm so very grateful!
Kim B.
Oct 19, 2021
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Pastor Mark
Aug 21, 2021
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Capstone Direct took the time to listen to our unique situation which aided greatly in our application process and loan funding acceptance. They kept us informed every step in a stressful process and reassured us without making promises they couldn't keep. They picked up the pieces when our initial lender couldn't complete the process. Mike not only has the experience in funding loans but also has compassion for the customer. We have the roof we want over our heads thanks to Capstone.
Julie Braden
Jun 13, 2021
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Mike Wise and Capstone Direct Went Above and Beyond!
Mike and his wonderful Capstone Direct Team saved the day for my clients.
In this fast-paced crazy, multiple offer market, my clients were being considered for a home that they really wanted, but the seller’s agent couldn’t get in touch with the lender they had chosen!!
I was frantic on a Friday evening close to 5:00pm., trying to help my buyers!
After a quick call to Mike, he jumped into action and processed their pre-approval and called the agent that evening, just as the agent was presenting all the offers!
Mike confirmed all my clients
Mike and his wonderful Capstone Direct Team saved the day for my clients.
In this fast-paced crazy, multiple offer market, my clients were being considered for a home that they really wanted, but the seller’s agent couldn’t get in touch with the lender they had chosen!!
I was frantic on a Friday evening close to 5:00pm., trying to help my buyers!
After a quick call to Mike, he jumped into action and processed their pre-approval and called the agent that evening, just as the agent was presenting all the offers!
Mike confirmed all my clients
Kelli Esser
May 04, 2021
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Greg Lennox
May 01, 2021
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Melissa Marshall
Jan 17, 2021
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Mike was very knowledgeable about what type of loan we could qualify for and what we would need to make it happen. We were looking to refinance a jumbo loan at a time when many lenders were not offering jumbo loans. Mike said he could get it done and he did. Our new loan has an interest rate that is almost half of our previous interest rate. I would definitely recommend Mike and his team!
Joel M.
Jun 29, 2020
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Tonya Wagner
May 13, 2020
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Devin H.
Feb 10, 2019
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Thank you so much to Mike, Jessica, and the rest of the Capstone team for helping me get my mortgage under control! I was one of those who bought my place in 2005 back when the "really bad mortgages" were a thing (and right before the market crash). For ethical reasons I've stuck it out all this time with a really lousy mortgage, no equity, etc., and finally had the chance to fix that. Mike and his team were such a valued resource and helped get me into a solid, current, & manageable mortgage that has drastically changed both my finances and stress level. Thanks for being
Joe R.
Feb 09, 2019
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Natalie L.
Jan 24, 2019
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We have known Mike for many years and can attest to not only his personable character, but to his knowledgeable and expertise in his field. The last escrow we closed with Mike, was so efficient that he was able to get us closed early! We have full confidence in his abilities, he is a great listener, and we are confident that he has the interest of others before his own. Thankful to work with him and his team!
Callie M.
Aug 02, 2018
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Amr A.
Dec 19, 2017
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My wife and I worked with Kelly McKinney on financing our purchase and what a wonderful experience it was! If you are looking to finance a loan or refi, you found a gem! Kelly is absolutely phenomenal.
Kelly went above and beyond to make sure the entire experience was perfectly smooth and flawless. Kelly was very personable and pleasant to deal with; we truly felt like old friends. She responds to any form of communication, whether it's phone, email or even text message immediately including after hours, weekend and holidays! She is simply AMAZING! I will never work with anyone else for
Kelly went above and beyond to make sure the entire experience was perfectly smooth and flawless. Kelly was very personable and pleasant to deal with; we truly felt like old friends. She responds to any form of communication, whether it's phone, email or even text message immediately including after hours, weekend and holidays! She is simply AMAZING! I will never work with anyone else for
Judy S.
Jan 04, 2017
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My husband and I were 2 months into the refinance process with Navy Federal Credit Union. Having prior background in the mortgage industry, I was completely appalled with the lack of progress, communication, and customer service from NFCU. When I called to get a status update on our loan, I was told, "I'm sorry, but there are other people trying to refinance at the same time you are." We were already 2 months in, our escrow and appraisal hadn't even been ordered and our rate lock was about to expire right before the election. By fate, I ran into a couple who was closing
Orlando S.
Jun 18, 2016
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Lydia J.
Mar 03, 2016
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Our experience with Capstone was horrendous! Agent didn't have a clue about how reverse mortgages worked in Calif. Agent totally dropped the ball, lost forms that were faxed to him, never contacted us to let us know how our loan was going. We only heard from him when we contacted his boss. Agent was inept at his job, unprofessional. The way our account was handled by Capstone as unprofessional as it could be. Result was we lost $5000 because the broker didn't have a clue as to how reverse mortgages worked in Calif. Don't let this happen to you!!! If you are considering a reverse
Devon P.
Oct 05, 2015
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Sheryl Lynn J.
Aug 04, 2015
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I have been referring clients to Mike Wise at Capstone Direct for a few years. All of my clients have been treated with outstanding customer service. Mike's team is a well-oiled machine. They not only provide a great client experience during the loan process, but also have wonderful loan programs and options for the multitude of needs clients have. He is a master at putting the puzzle pieces together ... and makes sure that the loans get closed in a timely manner. I recommend him to all of my clients!
Esther G.
Jun 17, 2015
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