Built by loan officers, for loan officers.
Build your mortgage business with the whole market behind you.
A growing Austin mortgage broker, small enough that you work side by side with the people who run it.
Why CapFi
The broker advantage.
No single bank’s rate sheet. We shop more than 50 wholesale lenders for every client and can add any lender a deal needs.
A full product menu.
Purchase and refi across conventional, FHA, VA and jumbo, plus a full non-QM lineup: DSCR, bank statement, P&L, asset depletion, ITIN, foreign national and more.
Down payment assistance in every county we serve.
We offer DPA programs through approved participating lenders to help more buyers get in the door.
Hybrid leads.
Keep working your self-generated business, plus some CapFi-provided leads.
Remote anywhere in Texas.
No office, no commute.
Competitive commission.
You keep the lion’s share.
A partner referral sources can count on.
That lender depth and product range means we can place a wider range of loans, so referral partners lose fewer to a competitor or a lender that won’t take it.
Meet the partners
Dustin Edwards
Founding Partner / MLO
Dustin built CapFi Lending from the ground up. He’s been in mortgage loan origination since 2004. After years at big banks and retail lenders he saw the broker side could do more for clients: lower rates and fees, more programs and a better overall customer experience, all while saving them real money. So he built CapFi to deliver exactly that. Today he leads the company, still originates every day, and works directly with every LO on the team.
Full bio →
Clay Wilson
Managing Partner / MLO
Clay came to mortgage from construction management and land development, so he knows real estate inside and out. When he was offered a partnership at CapFi, he couldn’t pass up the chance to help build it. He’s been in mortgage since 2018 and is still a working loan officer.
Full bio →We know your day because we live it
We’re loan officers ourselves. Both partners still originate, so we know the job firsthand: chasing conditions, waiting on lender turn times, keeping borrowers and agents in the loop. That’s what built by loan officers, for loan officers means here. We get the challenges you face, and it shows in how we work with you.
How we work
- Borrower first. We pick the lender that fits the borrower, not the other way around.
- You own your book. Your relationships and your business stay yours.
- No gatekeepers. Questions and deals go straight to the partners.
- Lean by design. Boutique on purpose, with none of the big-company layers.
Joining CapFi in four steps
Intro call. Talk with a partner about your business and what you’re looking for.
Application review. We review your NMLS record and production history.
License sponsorship. We sponsor your Texas license to CapFi Lending, NMLS 1692019.
Start originating. Plug into our lenders and products and get to work.
FAQ
Do I need a Texas license?
Yes. You’ll need an active Texas MLO license, at least 2 years licensed and a proven track record of closed loans.
Can I work remotely?
Yes, from anywhere in Texas.
What products can I offer?
Purchase and refi across conventional, FHA, VA and jumbo, plus a full non-QM lineup: DSCR, bank statement, P&L, asset depletion, ITIN, foreign national and more. We also offer DPA programs in every county we serve.
Do you provide leads?
Yes. We provide some CapFi leads on top of the business you generate yourself.
How is comp structured?
It’s commission-based and tiered by lead source. We go over the details in the interview.
Built by loan officers, for loan officers.
Ready to talk?
See if CapFi fits your business. See open roles or call a partner at (512) 593-1336. Don’t see your role? Reach out anyway. We’re always glad to hear from talented mortgage people.
CapFi Lending | NMLS 1692019 | 2617 Willow St, Unit 1, Austin, TX 78702