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A to Z Capital

Lender
4.9 stars
68 Reviews

Markets served


Nationwide

Licenses


Company NMLS
#1761721
Additional info available at the NMLS consumer access website

More ways to connect


About us


We are your one-stop-shop for all you real estate financing needs! From bridge loans, ground up construction, short and long term rentals, no doc loans and full doc primary home loans, we have you covered! No need to shop around to find different financing when you are ready to refinance because we can do any product and offer the most competitive rates. 

Specialties


Conventional & Gov.

Refinance (investment)
Conventional Rental Loan
VA Loan
Conventional Loan
Home Equity (primary home)
Refinance (primary home)
FHA

Hard/Private/Non-QM

Home Equity (investment)
Fix & Flip
DSCR (long-term rental)
DSCR (short-term rental)
Ground Up & Land Dev. Loan
Rehab for Buy & Hold
Bridge Loan
Foreign National Loan
Refinance (investment)

Reviews (68)


4.9 stars
68 Reviews
4.9 stars
68 Reviews
0.0 star
0 Reviews

reviewer image
5.0 stars
|
4 months ago
Reviewed by Esther L.
Highly recommend Mr. Ron Schmitz at A to Z Capital along with his team. They truly provided me with a great experience by assisting me in refinancing my home. They also aid in making the process smooth and fast. They have your best interests in mind when it comes to finding the best interest rate for you. I am content with the service they provided me with.
reviewer image
5.0 stars
|
4 months ago
Reviewed by Tony Dahbura JHU
I had an outstanding experience working with Ron Schmitz and Holly Pelletier at A to Z Capital, Inc. From start to finish, they made the financing process incredibly smooth, professional, and stress-free. Ron and Holly were knowledgeable, responsive, and always available to answer questions and provide guidance. Their attention to detail and commitment to keeping everything on track ensured that the entire transaction went through without a hitch. They consistently kept me informed, and their expertise gave me confidence every step of the way. The level of service I received exceeded all of my expectations. It's clear that Ron genuinely cares about his clients and works hard to find the best financing solutions for their needs. I highly recommend Ron Schmitz and A to Z Capital, Inc. to anyone seeking financing, whether it's for a residential or commercial property. I would not hesitate to use Ron and Holly's services again in the future. Thank you both for an exceptional experience!
reviewer image
5.0 stars
|
7 months ago
Reviewed by Kathy Rennie
I am very happy that I found Ron Schmitz to work with to finance the extensive renovation of my investment condo. This was a loan that others wouldn't even try to finance. Having worked with other investment lenders, I know the difference that Ron and his team provide. Ron's honesty and professionalism shone through from the beginning. During my first call with Ron, he listened carefully to my situation and responded kindly and positively. He immediately got the process started and always promptly answered my questions. Everything was disclosed upfront and never changed. Holly was equally wonderful. She made the process easy and responded quickly. To find a lender that is kind, honest, and professional is unique. My condo immediately rented, the tenant plans on staying long-term, and my financial stress has evaporated. Now I can look for a new project!
reviewer image
5.0 stars
|
8 months ago
Reviewed by Dahlia Tod
I don’t mind paying for good services. And Ron, Holly and the whole group provided above excellent services in their domain. Very professional and yet very personal. Always available to answer questions and bring clarification. This is rare in the financial world. So I highly recommend them to anyone who is looking for financial services from a very friendly and knowledgeable group with exceptional expertise.
reviewer image
5.0 stars
|
10 months ago
Reviewed by Mark Speccia
We had an excellent experience working with A to Z Capital and their entire professional team for our residence refinance. From start to finish, the A to Z Capital Team was extremely professional, knowledgeable, and transparent. They took the time to clearly explain every step of the process, answered all of our questions promptly, and ensured we received fair and competitive lending terms. The refinance was handled efficiently and smoothly, and we always felt confident that our best interests were the top priority. It’s rare to find a lender who combines professionalism, integrity, and outstanding service so seamlessly. We would highly recommend them to anyone looking for trustworthy and high-quality lending services.
reviewer image
5.0 stars
|
10 months ago
Ron at A to Z Capital was truly a lifeline during one of the most difficult periods I’ve faced. He was incredibly resourceful, kind, and patient, and took the time to walk me through very complex and stressful circumstances with clarity and care. Ron treated my situation with genuine empathy and professionalism, never rushing me and always making sure I understood my options. His calm presence and willingness to help made a real difference when it mattered most. I highly recommend Ron to anyone in need of real estate or lending guidance. He is a high-value professional who truly shows up for his clients.
reviewer image
5.0 stars
|
a year ago
Reviewed by Jaret Williams
After spending over seven months trying to close a deal with other brokers, my son and I were beginning to lose hope—until I met Ron Schmitz. Ron’s tenacity, transparency, and dedication completely changed the game. He not only took the time to understand the complexities of our situation but went above and beyond to find a solution where others couldn’t. Thanks to Ron’s relentless effort and integrity, what once seemed impossible became reality. I can confidently say he’s one of the most honest and determined professionals I’ve ever worked with. If you’re looking for someone who will truly fight for your deal and deliver results, Ron Schmitz is the one you want in your corner. LT Clayton
reviewer image
5.0 stars
|
a year ago
Reviewed by Mark Speccia
Our experience with A to Z Capital was excellent. The entire company treated us with the utmost respect and professionalism. Ron Schmitz was extremely helpful, knowledgeable and very honest as we discussed all of the possible loan options. I would rate this company as a 5 Star Financial Institution. Highly Recommended!!!
reviewer image
5.0 stars
|
a year ago
Reviewed by Ray Mezo
First time dealing with Ron and Holly. I needed a loan to help finishing a renovation project on a home and Ron was able to help us out! Closing took about 14 days after we first talked. I would highly recommend Ron and will use his services again in the future. Thank you Ron and Holly!
reviewer image
5.0 stars
|
a year ago
Ron and Holly have been incredible. My bank was about to pull my loan and these guys stepped in and closed within 2 weeks! And they saved the day for me and got me a $110,000 for the remodel too! Without that money it would had been super difficult to actually remodel this home. So these guys really pulled through. Very courteous and professional. Very transparent. Everything they told me went down exactly as promised . Would give 20 stars if I could
reviewer image
5.0 stars
|
4 months ago
Reviewed by Esther L.
Highly recommend Mr. Ron Schmitz at A to Z Capital along with his team. They truly provided me with a great experience by assisting me in refinancing my home. They also aid in making the process smooth and fast. They have your best interests in mind when it comes to finding the best interest rate for you. I am content with the service they provided me with.
reviewer image
5.0 stars
|
4 months ago
Reviewed by Tony Dahbura JHU
I had an outstanding experience working with Ron Schmitz and Holly Pelletier at A to Z Capital, Inc. From start to finish, they made the financing process incredibly smooth, professional, and stress-free. Ron and Holly were knowledgeable, responsive, and always available to answer questions and provide guidance. Their attention to detail and commitment to keeping everything on track ensured that the entire transaction went through without a hitch. They consistently kept me informed, and their expertise gave me confidence every step of the way. The level of service I received exceeded all of my expectations. It's clear that Ron genuinely cares about his clients and works hard to find the best financing solutions for their needs. I highly recommend Ron Schmitz and A to Z Capital, Inc. to anyone seeking financing, whether it's for a residential or commercial property. I would not hesitate to use Ron and Holly's services again in the future. Thank you both for an exceptional experience!
reviewer image
5.0 stars
|
7 months ago
Reviewed by Kathy Rennie
I am very happy that I found Ron Schmitz to work with to finance the extensive renovation of my investment condo. This was a loan that others wouldn't even try to finance. Having worked with other investment lenders, I know the difference that Ron and his team provide. Ron's honesty and professionalism shone through from the beginning. During my first call with Ron, he listened carefully to my situation and responded kindly and positively. He immediately got the process started and always promptly answered my questions. Everything was disclosed upfront and never changed. Holly was equally wonderful. She made the process easy and responded quickly. To find a lender that is kind, honest, and professional is unique. My condo immediately rented, the tenant plans on staying long-term, and my financial stress has evaporated. Now I can look for a new project!
reviewer image
5.0 stars
|
8 months ago
Reviewed by Dahlia Tod
I don’t mind paying for good services. And Ron, Holly and the whole group provided above excellent services in their domain. Very professional and yet very personal. Always available to answer questions and bring clarification. This is rare in the financial world. So I highly recommend them to anyone who is looking for financial services from a very friendly and knowledgeable group with exceptional expertise.
reviewer image
5.0 stars
|
10 months ago
Reviewed by Mark Speccia
We had an excellent experience working with A to Z Capital and their entire professional team for our residence refinance. From start to finish, the A to Z Capital Team was extremely professional, knowledgeable, and transparent. They took the time to clearly explain every step of the process, answered all of our questions promptly, and ensured we received fair and competitive lending terms. The refinance was handled efficiently and smoothly, and we always felt confident that our best interests were the top priority. It’s rare to find a lender who combines professionalism, integrity, and outstanding service so seamlessly. We would highly recommend them to anyone looking for trustworthy and high-quality lending services.
reviewer image
5.0 stars
|
10 months ago
Ron at A to Z Capital was truly a lifeline during one of the most difficult periods I’ve faced. He was incredibly resourceful, kind, and patient, and took the time to walk me through very complex and stressful circumstances with clarity and care. Ron treated my situation with genuine empathy and professionalism, never rushing me and always making sure I understood my options. His calm presence and willingness to help made a real difference when it mattered most. I highly recommend Ron to anyone in need of real estate or lending guidance. He is a high-value professional who truly shows up for his clients.
reviewer image
5.0 stars
|
a year ago
Reviewed by Jaret Williams
After spending over seven months trying to close a deal with other brokers, my son and I were beginning to lose hope—until I met Ron Schmitz. Ron’s tenacity, transparency, and dedication completely changed the game. He not only took the time to understand the complexities of our situation but went above and beyond to find a solution where others couldn’t. Thanks to Ron’s relentless effort and integrity, what once seemed impossible became reality. I can confidently say he’s one of the most honest and determined professionals I’ve ever worked with. If you’re looking for someone who will truly fight for your deal and deliver results, Ron Schmitz is the one you want in your corner. LT Clayton
reviewer image
5.0 stars
|
a year ago
Reviewed by Mark Speccia
Our experience with A to Z Capital was excellent. The entire company treated us with the utmost respect and professionalism. Ron Schmitz was extremely helpful, knowledgeable and very honest as we discussed all of the possible loan options. I would rate this company as a 5 Star Financial Institution. Highly Recommended!!!
reviewer image
5.0 stars
|
a year ago
Reviewed by Ray Mezo
First time dealing with Ron and Holly. I needed a loan to help finishing a renovation project on a home and Ron was able to help us out! Closing took about 14 days after we first talked. I would highly recommend Ron and will use his services again in the future. Thank you Ron and Holly!
reviewer image
5.0 stars
|
a year ago
Ron and Holly have been incredible. My bank was about to pull my loan and these guys stepped in and closed within 2 weeks! And they saved the day for me and got me a $110,000 for the remodel too! Without that money it would had been super difficult to actually remodel this home. So these guys really pulled through. Very courteous and professional. Very transparent. Everything they told me went down exactly as promised . Would give 20 stars if I could

Our Team


Johanna Fonseca