Our ServicesFind Loan Products We Offer

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Whether you're buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.

Get Pre qualified Now

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We're committed to helping you refinance with the lowest rates and fees in the industry today. Check out our Low Rates, Calculate your Payment, or Start the Process Today!

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Apply Now

Our Secure Application takes about 12 minutes to complete, and is required for a "Pre-Approval." You will be contacted once your application is submitted. Submit your Application

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Today's technology provides a more productive environment to work in and through our website a borrower can submit a complete on-line, secure loan application or they can pre-qualify for a home loan. They may also evaluate different financing options by using our interactive calculators and going over various mortgage scenarios. 

We can pre-qualify anyone with this required information:
  • Borrower's name and contact information
  • Property address in CA, Property value if known
  • Is this your primary residence or rental property?
  • Current loan type, loan balance, interest rate, monthly payment, annual amounts for property tax and homeowner's insurance
  • Does your current monthly loan payment include impounds for tax and insurance?
  • Do you want property taxes and home insurance to be included in the new loan/ new monthly payment?
  • Give us the balance of any HELOC or 2nd lien
  • Loan amount needed, tell us if you are requesting cash out and if so, how much cash you need
  • Purchase price if this is for a Purchase loan
  • Gross monthly income total for all borrowers
  • Monthly debt that appears on credit reports (car payments, credit cards, personal loans)
  • Mid FICO credit scores for all applicants

Conventional Loan Rates are as low as:
1.75% for 15 yr fixed / 1.99% for 30 yr fixed
Call for FHA & VA Rates

Welcome to our website

We know that each customer has specific needs, so we strive to meet those needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention. 

What makes us unique is that we provide all traditional loans plus:

  • Private lender loans for borrowers that don't qualify for bank financing
  • Fix and Flip loans for investors that buy properties, rehab and resell them

We help borrowers to save thousands when securing a new loan.
Here's what we offer: 

  • A wholesale rate
  • We can close a loan within 15 business days (with a 30 day lock period) 
  • A loan application that is user friendly and is quick and easy (the borrower creates a log in and provides their information according to their time frame, where they can start the loan process, log out and return later to finish the application)
  • Electronic document verification and processing
  • E-sign documents online in a secure portal
  • Virtual E-escrow closing using an online Notary (eliminating the notary coming to the borrower's home)
  • Appraisal waivers (eliminates the need to order an appraisal and pay the cost of an appraisal)
  • Waivers for tax and insurance impounds (allows borrowers to pay their own property taxes and insurance and a lower monthly payment of principal and interest only) 

We pass on lower loan costs:

  • Borrowers pay no broker fees. (our lenders pay our fee, not the borrowers)
  • If borrowers choose to work with our escrow, they pay a flat $450 title/escrow/settlement fee, instead of the standard $695-$995 or more
  • Borrowers pay discounted title policy cost

Email the reqired information to info@recapitalloans.com 
Or call (951) 306-0001 and we will ask for this info so we can run the quote

You can also fill out the online form "Get A Quote" and we will ask for any additional information we need

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