Wain Capital
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Wain Capital
At Wain Capital we stay above the rest with our constant eye on mortgage bonds and treasury markets. Understanding the market and the effect on rates is crucial to decide when to lock or float. We study the analytics all day to make sure you get the very best advice. This means, wholesale rates, more loan products, lower costs, less stress and no hassle solutions to fit your scenario.

We educate our clients on a variety of solutions so they can make informed decisions on what works for their scenario.
Services
Zach Wain is a top producing Mortgage Broker licensed in Arizona, California and Colorado. An Arizona resident for over 30 years, Wain is tenaciously committed to his clients offering expert advice during a volatile time in the US mortgage market. As an analytical person with a zest for life and the financial market, he spearheads his company by example, with commitment, loyalty, and integrity.
Ashley Wain is the Director of Business Development at Wain Capital. With a passion for developing new relationships and delivering integrative solutions to fulfill current clients needs, her infectious energy and enthusiasm comes across in every interaction. Prior to joining Wain Capital, Ashley was an award-winning entrepreneur, sales executive, and small business development professional.
Sharon Olson is the Director of Operations at Wain Capital. With a strong background in operations management and a passion for customer service she always has an enthusiastic attitude. Sharon handles everything from processing, application assist, managing the CRM, lead management, weekly reports, and the overall business administration.
Jonas Helstab is a Mortgage Loan Originator licensed in Arizona, California, and Colorado. Jonas comes to the mortgage industry after 20+ years of experience in the service and hospitality industry. He approaches the mortgage business with the same principles and fervor that made him a successful and outstanding member of the restaurant and hotel community.
Prior to Wain Capital, Daniel was in different sales and customer service roles, from Target District Trainer to Cyber Security. He found working directly with customers made him enjoy his work even more. He has an incredible amount of patience and loves listening to his clients perspective so he can better understand how to help them.
Reviews (21)
Arijit D.
Arijit D.
Jan 07, 2022
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Wain Capital helped me get my mortgage on my first home. Their work is excellent and they moved very quickly through the entire process so I could close quickly, while being diligent about all aspects.
Kevin Myers
Kevin Myers
Oct 22, 2021
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Positive: Professionalism, Responsiveness
I am a repeat customer. I always appreciate Zach and his team. Not only are they straightforward and honest about your position and the market, they keep you informed and in the loop the whole way through. Would recommend them to anyone, big loans, small loans, new homes, refi, anything in between!
Mimi C.
Mimi C.
Sep 02, 2021
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Zach and his team are awesome. Great customer service. Walked me thru the entire process & ensured a smooth & timely closing. Would def recommend!! :)
Sandy Lewis
Sandy Lewis
Aug 28, 2021
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I have probably closed several dozen real estate loans personally over the years and also worked in the industry for over 40 years. I can say positively Wain Capital and his crew are the absolutely best professionals I have ever worked with. Our loan was done from start to finish in less than a month. It was a re-finance, cash out loan on a second home in another state and the documentation process was the easiest I have ever experienced.
Highly recommend them if you are needing a real estate loan. Awesome group!
Brandon S.
Brandon S.
Jun 24, 2021
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I had an excellent experience and will be very happy ro use again as well as refer friends and family. Zach and his team helped educate me and keep me informed all the way through and we closed in time.
Julia O.
Julia O.
Jun 14, 2021
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Zach Wain has worked with many of my clients, he has done a fabulous job EVERY-TIME without fail! I have been a Realtor in CA for over 25 years and it is very rare for me to work with an out of area lender but Wain Capital is the exception! They have not only worked with many of my clients but Wain Capital has also worked for many of my friends, neighbors and also myself! I can say firsthand they are GREAT, they are professional, experienced, very informative and great at keeping you informed throughout the entire process! I highly recommend Wain Capital to anyone looking for a lender to purchase
Tara Diaz
Tara Diaz
May 17, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Zach Wain and the team are excellent at what they do! They are fast, thorough and kept me informed every step of the way through my refi. They made it effortless on my part. They are highly recommended!
Daniel Joonmo P.
Daniel Joonmo P.
May 12, 2021
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Wain Capital LLC certainly went the extra mile for me. I'm a Californian investing in Arizona and they made this whole process so smooth. They were so responsive with all of my many questions and always gave me generous time on the phone to explain to me all of my options. Zach, Sharon, Taryn, Daniel are an amazing team! They are all professionals with great integrity. Thank you Wain Capital team!
Christy Trageton
Christy Trageton
Apr 06, 2021
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Positive: Professionalism, Responsiveness
Hands down the most pleasant, efficient & effective broker we’ve ever used. We highly recommend Zach and his team at Wain Capital to anyone and everyone!!
Tze L.
Tze L.
Jan 14, 2021
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Follow up on Zach and his team. I have since closed 3 more properties under Wain Capital. And in the process of doing 4 more refis.

Zach found an issue on my credit and personally went to the bank and leverage his influence and relationship to help resolve this issue.

You have to go with Wain Capital, they treat you like family. I'm a repeat customer and I know he treats all his customers like family. You'll be well taken cared off, get amazing rates, and will be at complete peace of mind on any properties you close with them.
P. H.
P. H.
Jan 09, 2021
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They gave me accurate estimates of cash out, fees, and timeline on my recent refi. The kept me informed on every step and got it wrapped up faster than similar refis people I know were having done. They did a refi for my daughter and were recommended by a family friend and everyone had a good experience.
Luanna McCoy
Luanna McCoy
Dec 08, 2020
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Wain Capital is the absolute best at what they do! We have used Wain Capital twice now and have been extremely pleased with everything they do.
Zach made our experience so relaxing and stress free. Easier thing we’ve ever done, thanks to Zach and the whole staff. They were all amazingly responsive and understanding of our situation
I would highly recommend this company.
I promise you will not regret it!!
Hannah Bleckley
Hannah Bleckley
Oct 01, 2020
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Positive: Professionalism, Quality, Responsiveness, Value
Zach and his team were amazing throughout our whole process of refinancing. They were clear, kind, helpful, and provided many options. Their communication was quick and efficient. I have no needs improvements and have already recommended friends their way—more to come!
Shea N.
Shea N.
Sep 09, 2020
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This team is the bomb. A total blast to work with and they know their stuff. They were ahead of the game the whole way. We closed on time with lower closing costs then we expected and a hella good interest rate.
Jacob Yakoubek
Jacob Yakoubek
Aug 13, 2020
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Wain Capital LLC helped me refinance my mortgage. Client satisfaction is of the utmost importance to them. Zach was easy to
communicate with and responded to questions and concerns with clarity and honesty. They also sent me a really nice gift when the whole process was completed.
Eric Ravenscroft
Eric Ravenscroft
Jul 05, 2020
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One of the most positive experiences in my over 20 years of transacting real estate. Not only was everyone extremely friendly but they all took the time to answer any questions we had and made sure we felt comfortable throughout the process. The entire team was always available when we needed them. This is out a mortgage brokerage company should be. Highly recommend Wain Capital for all your lending needs!
Brian F.
Brian F.
Feb 20, 2020
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We Recently used Wain Capital to refinance our primary home. The process was very easy and the communication was great. I always felt they were looking out for my best interest. The refinance we received was very competitive and there was no surprises. I would highly recommend Wain Capital!!
Kimberly P.
Kimberly P.
Jan 31, 2020
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Words cannot express my gratitude for the effectiveness and efficiency of the Wain team. I never knew that refinancing my mortgage could be such a seamless task. If you have found yourself in the care of Wain Capital, you have done right! In all of my experiences there has been no one better in the industry than Wain Capital. Thank you Zach, It was such a pleasure doing business with you. I'm already looking forward to our future transactions.
Ryan H.
Ryan H.
Nov 22, 2019
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Wain Capital is the only mortgage broker that I trust to handle all of my clients needs. Zach makes the loan process so quick and smooth! I know that there will never be any last minute surprises right before closing. His pricing and loan options are outstanding, making Wain Capital my choice for all of my own mortgage needs as well!
John P.
John P.
Oct 07, 2019
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When I bought my first house the loan process alone was such a nightmare I swore I would never refinance...it just wasn't worth the headache. That was before I met Zach.

Zach came highly recommended to me by a friend and at first I was hesitant, not only because of my original mortgage experience, but also since I lived in Los Angeles and Zach was all the way out in Arizona. But my friend insisted and since rates had come down as much as they had, I decided it was worth giving it a shot...it was absolutely the right decision.

Within hours of our conversation he provided specific details
Lindsey F.
Lindsey F.
Jun 29, 2019
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We had such a great experience working with Zach to get a loan for our dream home. Zach went above and beyond to answer all of our questions and and secure a fantastic rate for us. Due to some delays on the part of the seller, Zach had to do our paper work twice. No questions asked, he provided us with our same rate and was incredibly responsive when we were frantic about this hiccup in the closing process. We have recommended Wain Capital to several of our friends and colleagues and will continue to do so for anyone looking for responsive service, patient guidance, and the best rates.