About RE Capital Mortgage LLC
ReCapital, founded in 2012, is a direct lender specializing in a comprehensive suite of residential and commercial mortgage solutions. The company extends its services across multiple states, offering a blend of traditional, government-backed, and innovative non-QM loan programs tailored to meet diverse borrower needs.
ReCapital distinguishes itself through its commitment to flexible lending solutions, particularly for self-employed individuals, real estate investors, and foreign nationals. They aim to provide accessible financing options that may not be available through conventional banking channels, emphasizing personalized service and efficient loan processes.
With a focus on expanding homeownership and investment opportunities, ReCapital prides itself on navigating complex financial scenarios. Their dedication to providing competitive rates and transparent terms underscores their mission to empower clients through strategic lending, supporting various property types from single-family homes to large commercial ventures.
ReCapital distinguishes itself through its commitment to flexible lending solutions, particularly for self-employed individuals, real estate investors, and foreign nationals. They aim to provide accessible financing options that may not be available through conventional banking channels, emphasizing personalized service and efficient loan processes.
With a focus on expanding homeownership and investment opportunities, ReCapital prides itself on navigating complex financial scenarios. Their dedication to providing competitive rates and transparent terms underscores their mission to empower clients through strategic lending, supporting various property types from single-family homes to large commercial ventures.
Company Information
Founded: 2012
Lender Type: Direct Lender
Headquarters: Costa Mesa, CA
Licensed In
CAFLNVORTXUTWACOIDAZ
Home Loan Products
Conventional Loans
Loan Types:
ConventionalRefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestor
Income Verification:
Full Documentation
Special Programs:
Low Down Payment Program
Available Terms:
15 years30 years
Credit Tiers:
Good (680-739)Fair (620-679)
3%
Min Down Payment
97%
Max LTV
620
Min Credit Score
FHA Loans
Loan Types:
FHA
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Special Programs:
First-Time HomebuyerLow Down Payment ProgramDown Payment AssistanceFHA 203k
Available Terms:
15 years30 years
Credit Tiers:
Poor (580-619)Fair (620-679)
3.5%
Min Down Payment
96.5%
Max LTV
600
Min Credit Score
VA Loans
Loan Types:
VA
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Special Programs:
Veteran ProgramNo PMI ProgramLow Down Payment Program
Available Terms:
15 years30 years
Credit Tiers:
Poor (580-619)Fair (620-679)
0
100%
Max LTV
600
Min Credit Score
Jumbo Loans
Loan Types:
Jumbo
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestor
Income Verification:
Full Documentation
Available Terms:
15 years30 years
Credit Tiers:
Good (680-739)Excellent (740+)
90%
Max LTV
680
Min Credit Score
DSCR Loan Program
Loan Types:
DSCRNon-QM
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Investment Property
Employment Types:
InvestorBusiness Owner
Income Verification:
No Income Verification
Special Programs:
Self-Employed ProgramBank Statement ProgramAsset Depletion Program
Available Terms:
30 years
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
75%
Max LTV
620
Min Credit Score
Bank Statement Loan
Loan Types:
Bank StatementNon-QM
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
Self-EmployedBusiness Owner1099 Contractor
Income Verification:
Bank Statement
Special Programs:
Self-Employed ProgramBank Statement Program
Available Terms:
30 years
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
90%
Max LTV
620
Min Credit Score
Foreign National Program
Loan Types:
Non-QM
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
Investor
Income Verification:
Full Documentation
Special Programs:
Foreign National ProgramNon-Resident Alien ProgramITIN Program
Available Terms:
30 years
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
70%
Max LTV
Reverse Mortgage
Loan Types:
Reverse Mortgage
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Home Equity Line of Credit (HELOC)
Loan Types:
HELOCHome Equity Loan
Rate Types:
Adjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Construction Loans
Loan Types:
Construction
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeVacation/Second HomeInvestment Property
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Special Programs:
Renovation Loan
90%
Max LTV
620
Min Credit Score
Commercial Loan Products
Commercial Real Estate Loans
Loan Types:
Conventional CRESBA 7(a)SBA 504Bridge Loan
Property Types:
Multifamily (5+ units)OfficeRetailIndustrial/WarehouseHospitality
Contact Information
7979 E Tufts Ave Suite 213L
Denver, CO 80237
US
Mailing Address:
2900 Bristol St Suite A-102, Costa Mesa, CA 92626
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Business Information
Category: Mortgage Broker
Location: Denver, CO
Status: Standard
Founded: 2012
Type: Direct Lender
Profile Views: 13
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