Simi Valley's Trusted Mortgage Partner

Your Path to Homeownership Starts With a Clear Plan

Personalized mortgage solutions crafted for Simi Valley residents. Whether you're a first-time buyer, refinancing, or investing — we turn complex lending into straightforward results.

Schedule a Consultation
(805) 915-0144
Licensed & Insured
NMLS Licensed
Local Simi Valley Office
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Our Expertise

Mortgage Solutions Tailored to You

Every borrower has a unique financial story. We listen first, then design a lending strategy that aligns with your goals.

First-Time Home Buyers

Navigating your first purchase shouldn't feel overwhelming. We guide you through FHA, conventional, and VA loan options with clear, jargon-free explanations.

Refinancing

Lower your rate, shorten your term, or tap into home equity. We analyze your current loan and market conditions to find the refinance that truly saves you money.

Jumbo & Non-QM Loans

Self-employed? Investment property? Our non-traditional lending programs are designed for borrowers who don't fit standard mortgage boxes.

Rate & Term Analysis

We don't just quote rates — we model scenarios. Understand how different terms, points, and structures impact your long-term financial picture.

Investment Property Loans

Build your portfolio with confidence. We offer competitive programs for rental properties, multi-units, and fix-and-flip financing in the Greater Simi Valley area.

Pre-Approval & Strategy

Walk into any market with credibility. Our pre-approval process is thorough and fast, giving you a competitive edge in Simi Valley's active real estate market.

Capital Mortgage Services office in Simi Valley
About Us

A Local Lender Who Actually Listens

Capital Mortgage Services was founded on a simple belief: mortgage lending should be transparent, personalized, and stress-free. Based right here in Simi Valley, we've built our reputation on treating every client like a neighbor — because most of you are.

Whether you're purchasing your first home near the Simi Valley Country Club, refinancing your property in the hills, or expanding your investment portfolio, we bring the same level of dedication and expertise to every file. No pressure, no hidden fees, no surprises — just clear communication and honest advice from real people you can meet face-to-face.

15+

Years Experience

500+

Loans Closed

A+

BBB Rating

Learn More About Our Approach
How It Works

Your Loan, Four Simple Steps

We've streamlined the mortgage process so you know exactly what to expect — no hidden steps, no confusing jargon.

1

Consultation

We discuss your goals, timeline, and financial picture. No obligation — just an honest assessment of your options.

2

Pre-Approval

We pull your numbers, run scenarios, and issue a solid pre-approval so sellers take you seriously from day one.

3

Underwriting

Our team handles the paperwork, appraisals, and verification. We keep you updated at every milestone — no radio silence.

Closing

You review, sign, and move into your new home. We make sure closing is smooth, on time, and exactly as we discussed.

Client Stories

What Our Clients Say

"As first-time buyers in Simi Valley, we had no idea where to start. Capital Mortgage walked us through every step, explained the costs upfront, and got us a rate we're still happy with a year later."

MR

Michael & Rachel T.

First-Time Buyer, Simi Valley

"I refinanced my home when rates dropped, and the team at Capital Mortgage made it incredibly easy. They found savings I didn't know were possible and closed in under three weeks."

DS

David S.

Refinance Client, Simi Valley

"Being self-employed, I thought getting a loan would be impossible. Capital Mortgage found a non-QM program that worked perfectly for my situation. Professional, responsive, and genuinely caring."

LP

Linda P.

Investment Property, Moorpark

Ready to Make Your Next Move?

Whether you're buying, refinancing, or just exploring your options — a conversation with us could change your financial trajectory.

Schedule a Free Consultation Call (805) 915-0144
Get In Touch

Let's Start a Conversation

Have questions about your mortgage options? Want to explore what you qualify for? Reach out — we respond within one business day.

Our Office

1919 Williams St
Simi Valley, CA 93065-2825

Business Hours

Monday – Friday: 9:00 AM – 6:00 PM

Saturday & Sunday: By Appointment

Send Us a Message

Fill out the form below and we'll get back to you within one business day.

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