Business Page
Cap One Lending
Lender
5.0 stars
266 Reviews
Markets served
Florida
Kansas
Missouri
Texas
Nationwide
Except the following states:
Minnesota
Nevada
New York
North Dakota
Oregon
South Dakota
Licenses
Company NMLS
#2468614
Additional info available at the
NMLS consumer access website
Additional Licenses & Information
Additional License #'s MO - 2468614 KS - MC.0026341 FL - MLD2473 TX - 2468614
About us
5-star rated Lender |Cap One Lending is a direct lender for Hard Money Fix and Flip, Fix and Rent, Short and Long Term DSCR Rental Loans, FHA, VA, USDA, and Conventional. Welcome to Cap One Lending, your trusted mortgage partner for your primary home, second home, and investment properties. Whether you're in the process of purchasing a new property or refinancing to lower your rate or get cash out, we are here to help! As a Veteran-owned and operated company, Cap One Lending takes pride in our daily collaboration with our dedicated team. With roots in the mortgage industry since the early 2000s, we bring decades of experience to the table. Going beyond the traditional role of a mortgage company, we are dedicated to exceeding your expectations by consistently going the extra mile. Building a personal connection and fostering long-lasting relationships with our clients is at the core of our business, driving our passion for what we do. Lending Criteria Minimum Loan Amount: $100,000 (No min on consumer loans) Minimum Credit Scores: 580 - USDA, VA, and FHA 620 - Conventional 660 - Hard Money and Rental Loans Property Type: 1-4 unit Loan to Value: Up to 100% financing for USDA, VA and FHA Up to 97% financing for Conventional Up to 90% LTC and 100% of rehab funds for Fix and Flip and BRRRR's Up to 85% financing for rental properties
Specialties
Conventional & Gov.
Refinance (investment)
Conventional Rental Loan
VA Loan
Conventional Loan
Home Equity (primary home)
Refinance (primary home)
USDA Loan
Hard/Private/Non-QM
Fix & Flip
DSCR (long-term rental)
DSCR (short-term rental)
Rehab for Buy & Hold
Bridge Loan
Refinance (investment)
Reviews (266)
5.0 stars
266 Reviews
5.0 stars
266 Reviews
0.0 star
0 Reviews
5.0 stars
a week ago
Reviewed by
H N
Victor was great to work with. Thank you for your assistance with this loan. I truly appreciate your help in getting everything together from start to finish and ensuring a smooth process. The entire team at Cap One Lending was amazing and actively involved throughout.
5.0 stars
a month ago
Reviewed by
John Ruhl
We have really enjoyed working with Marty. He was very helpful all through the loan process. Appreciated him taking the extra step with us one on one. We are very satisfied and he is highly recommendable. Thanks, Marty.
5.0 stars
2 months ago
Reviewed by
Wade Harper
We've worked with Marty for several years on multiple occasions and highly recommend him if you are looking for a mortgage. He is great with his communication, keeping you updated and moving things forward efficiently and accurate for the best loan on the market. We've recommended him to several others without anything but praise from them for the reference.
5.0 stars
2 months ago
Reviewed by
Noelle Dave
Marty Payne was very professional, courteous and kept us informed as to what was happening. We are not tech savvy and he was a huge help with that end of it. His patience with us was greatly appreciated. We would highly recommend doing business with Marty to everyone.
5.0 stars
3 months ago
Reviewed by
Robin sutton
Alex was amazing at helping my kids and I get into our 1st home we were told no by other places, I’m a single mom and Alex came in and work long hours and got us a loan at a great rate and was so helpful and supportive during it:) we couldn’t be more happy with our home!!! We went and cap one went way out of the way to help the kids and I get into a home after there dad passed it was the best company I’ve ever worked with we are so grateful:)
5.0 stars
4 months ago
Reviewed by
sadie sachs
My husband and I purchased our first investment property with the help of Dalton and his team.
Dalton worked tirelessly with us and did such a great job. He is very creative and we would highly recommend working with him for any loan needs that you have. He is definitely a go-getter and that is what we like to work with! I would highly recommend him.
5.0 stars
4 months ago
Reviewed by
Mackenzie Charles
I had a great experience working with Marty! He got my client and I through a tough situation when our deal was about to fall through due to another lender. He was prompt, communicative, and knowledgeable. He went above and beyond to provide excellent service. I would definitely use/recommend him in the future!
5.0 stars
4 months ago
Reviewed by
Joseph Wallace
I cannot recommend Cap One Lending enough! From our very first meeting, they took the time to understand my unique financial situation and goals. Their expertise in the mortgage process was evident, and they guided me through every step with clarity and professionalism.
What impressed me the most was their responsiveness. No matter how many questions I had (and I had quite a few!), Jordan was always quick to respond with thorough and patient explanations. They truly went above and beyond to ensure I felt confident in my decisions.
Thanks to Jordan's hard work and dedication, I secured a beautiful second home for my family. The entire process was seamless, and I felt supported every step of the way. Thank you for making my home buying experience so positive!"
5.0 stars
a week ago
Reviewed by
H N
Victor was great to work with. Thank you for your assistance with this loan. I truly appreciate your help in getting everything together from start to finish and ensuring a smooth process. The entire team at Cap One Lending was amazing and actively involved throughout.
5.0 stars
a month ago
Reviewed by
John Ruhl
We have really enjoyed working with Marty. He was very helpful all through the loan process. Appreciated him taking the extra step with us one on one. We are very satisfied and he is highly recommendable. Thanks, Marty.
5.0 stars
2 months ago
Reviewed by
Wade Harper
We've worked with Marty for several years on multiple occasions and highly recommend him if you are looking for a mortgage. He is great with his communication, keeping you updated and moving things forward efficiently and accurate for the best loan on the market. We've recommended him to several others without anything but praise from them for the reference.
5.0 stars
2 months ago
Reviewed by
Noelle Dave
Marty Payne was very professional, courteous and kept us informed as to what was happening. We are not tech savvy and he was a huge help with that end of it. His patience with us was greatly appreciated. We would highly recommend doing business with Marty to everyone.
5.0 stars
3 months ago
Reviewed by
Robin sutton
Alex was amazing at helping my kids and I get into our 1st home we were told no by other places, I’m a single mom and Alex came in and work long hours and got us a loan at a great rate and was so helpful and supportive during it:) we couldn’t be more happy with our home!!! We went and cap one went way out of the way to help the kids and I get into a home after there dad passed it was the best company I’ve ever worked with we are so grateful:)
5.0 stars
4 months ago
Reviewed by
sadie sachs
My husband and I purchased our first investment property with the help of Dalton and his team.
Dalton worked tirelessly with us and did such a great job. He is very creative and we would highly recommend working with him for any loan needs that you have. He is definitely a go-getter and that is what we like to work with! I would highly recommend him.
5.0 stars
4 months ago
Reviewed by
Mackenzie Charles
I had a great experience working with Marty! He got my client and I through a tough situation when our deal was about to fall through due to another lender. He was prompt, communicative, and knowledgeable. He went above and beyond to provide excellent service. I would definitely use/recommend him in the future!
5.0 stars
4 months ago
Reviewed by
Joseph Wallace
I cannot recommend Cap One Lending enough! From our very first meeting, they took the time to understand my unique financial situation and goals. Their expertise in the mortgage process was evident, and they guided me through every step with clarity and professionalism.
What impressed me the most was their responsiveness. No matter how many questions I had (and I had quite a few!), Jordan was always quick to respond with thorough and patient explanations. They truly went above and beyond to ensure I felt confident in my decisions.
Thanks to Jordan's hard work and dedication, I secured a beautiful second home for my family. The entire process was seamless, and I felt supported every step of the way. Thank you for making my home buying experience so positive!"
