Xcapital Inc

XCapital, Inc. is a full-service mortgage company with decades of experience, serving clients in California and several other states, including Washington, Oregon, Arizona, Colorado, Florida, Wyoming, and Tennessee. They specialize in a wide array of residential mortgage solutions, offering comprehensive purchase and refinance options that include conventional, jumbo, and government-backed loans such as FHA, VA, and USDA. Their unique offerings extend to niche programs like Home Equity Lines of Credit, DSCR, Non-QM, and Bridge Loans, designed to cater to diverse borrower needs, including first-time homebuyers and self-employed individuals.

As a mortgage broker, XCapital distinguishes itself by leveraging strong relationships with various wholesale lenders to secure highly competitive rates for its clients, a point frequently highlighted in positive testimonials from satisfied customers. They emphasize a streamlined, technology-driven loan process, utilizing digital tools for secure document management and enhanced communication to ensure a smooth and stress-free experience from application to closing.

With a strong focus on client satisfaction, XCapital prides itself on providing responsive and transparent service, guiding borrowers through every step from pre-qualification to closing. Their commitment to clarity and efficiency, combined with personalized advice for selecting the right loan program, has earned them a high average rating on Zillow, reflecting their dedication to helping thousands achieve homeownership and refinance goals across their service areas.