About CapFi Lending, an Austin Mortgage Broker

Who CapFi Lending is

CapFi Lending is an Austin mortgage broker, founded by Dustin Edwards, that shops more than 50 wholesale lenders for agency and non-QM loans anywhere in Texas.

That sentence is the short version. Here’s the longer one, in my words.

I started CapFi Lending because I’d spent years on the bank side of this business, and I kept watching good borrowers get a “no” or a so-so offer simply because one bank’s menu didn’t fit them. A broker isn’t stuck with one menu. We take your file to the wholesale lenders whose rules actually fit how you earn, what you’re buying and how you plan to use it, and we bring the options back to you side by side, with any rate shown next to its APR.

I’ve been in mortgage lending for 22 years. Our office is in East Austin, and most of the people we help live in Travis, Williamson, Hays and Bexar counties. We’re licensed to make loans anywhere in Texas, so if you’re buying in Houston, Dallas–Fort Worth, San Antonio or a small town in between, we can help with that too.

The people you’ll work with

Dustin Edwards, Founding Partner / MLO. I founded CapFi Lending after a career that began in big-bank and retail lending. I run the day-to-day pricing and lender relationships and I still take client calls myself.

Clay Wilson, Managing Partner / MLO, NMLS 1849979. Clay came to mortgage lending from commercial real estate, where he worked with CBRE and Cushman & Wakefield, and from construction management and land development. He has been in the mortgage business since 2018 and joined CapFi on a partnership offer. That background is why investors, builders and buyers with complicated properties tend to end up on Clay’s calendar: he reads a deal the way a property person does, not just the way an underwriter does. Clay lives in Austin with his wife, Katherine, their two kids and their dog, Millie.

You can see both of our licenses on NMLS Consumer Access and meet us on the team page.

What we do

As a broker, we don’t lend our own money. We compare loan programs from more than 50 wholesale lenders, help you choose one, and manage the file from application through closing.

Agency loans. Conventional, FHA and VA loans for purchases and refinances. No lender fees on agency loans (conventional, FHA, VA). Third-party costs may apply.

• Conventional loans
• FHA loans
• VA loans
• First-time home buyer loans

Larger loans. Jumbo loans for loan amounts above the conforming limit.

Non-QM loans. This is where a broker earns its keep. Non-QM loans qualify you on something other than tax-return income, and they’re how many self-employed borrowers, investors, retirees and non-U.S. buyers get to the closing table. Terms vary by lender.

• Bank statement loans for business owners and 1099 earners
• P&L loans that use a profit-and-loss statement
• Asset depletion loans that turn savings into qualifying income
• DSCR loans that qualify a rental on its rent
• ITIN mortgages for borrowers who file with an ITIN
• Foreign national mortgages for buyers who live outside the U.S.
• Non-warrantable condo loans, interest-only loans, WVOE loans and loans after a bankruptcy or foreclosure

Where we lend

Austin and Central Texas are home. We work with buyers and homeowners across Travis, Williamson, Hays and Bexar counties every week, and you can find notes on local taxes, prices and programs on our Austin mortgage broker page and our Texas areas page. Because CapFi is licensed statewide, we also take loans anywhere in Texas.

What clients say

Rated 4.9 on Google (79 reviews). You can read them on our reviews page.

Talk with us

Call or text (512) 593-1336. Our office is in Austin. Request a quote.

• Dustin Edwards, Founding Partner / MLO
• Clay Wilson, NMLS 1849979
• Equal Housing Opportunity.