Mortgage Broker Tustin CA | (949) 751-6940 | Express Capital
Your Trusted Mortgage Lender in Tustin
About Express Capital
Welcome to Express Capital
Your lender in Tustin, California, and in all 50 states. As we look forward to getting to know more about you and your needs during your consultation, we want to tell you a little more about our company.
75
Years combined
mortgage experience
12
Amazing employees
1k+
Home purchases
100%
Happy clients
Our Story
Express Capital opened its doors in 2004. We are a direct lender offering some of the most competitive products on the market. At the same time, we work with one of the largest and most diverse groups of lenders on a broker basis.
This combination allows Express Capital to custom tailor loans to suit each client’s needs, as opposed to fitting square pegs into round holes like so many other lenders do.
Since we operate nationwide, our motto is, “Big bank funding. Personalized small business service.”
No matter where you are in the country, you will receive the attention and dedication from our staff that you need to find a suitable loan for your needs.
Express Capital aligned with Florida Capital Bank, N.A. in 2017 and continues to increase efficiency and success with improved systems and technology.
Meet Our Team
Why Choose Express Capital?
75 combined years of experience among our management team give us the insights and expertise into we need to move you quickly and seamlessly through the application process to closing no matter your scenario.
We strive to treat you like a family member or friend when you choose us as your mortgage company. And like a loyal family member or friend, we will be here for you for a lifetime.
You can access a huge selection of mortgage products through Express Capital along with competitive rates.
You can receive answers to your questions fast at any stage in the mortgage process. The loan officers at Express Capital are here to help you at all hours.
We are problem solvers. You do not need to let obstacles with down payments or credit stop you from purchasing a home. Our loan officers will work hard to match you to flexible, affordable solutions so you can buy a home.
See What Our Clients Are Saying About Us!
Lucas M.
17:34 18 Mar 25
"WHAT?"There must be a lot of behind the scenes maneuvering that goes on with these lenders and their counterparts. This aspect of lending is second nature for Mr. Santangelo and I have to wonder if they don't get a kick out of all these borrowers pulling their hair out when what appears to be a tornado is actually a little whirlwind.This is the second time I've dealt with Mr. Santangelo.My appraiser was an excellent sub-contractor and I have to thank Mr. Santangelo for smoothing over this portion of my >$10K unexpected expense and week delay in closing. It is only the cost of doing business in CA and this pushed the closing to the limit of the other lender's dates. Mr. Santangelo kept everyone informed and the appraiser was extremely responsive to Mr. Santangelo's information referring to our progress. The appraiser can also be credited with doing great work.The last whirlwind was a real doozy. E-mails and phone calls from East Coast service providers at 3pm PST meant that Mr. Santangelo had to call his counterparts to get the information provided, translated. Talk about a shoddy operation? It was at the last minute; I checked my email, and the planets aligned. I'm real sure this sort of electronic processing had not previously been applied.At this point, the second party was about to leave and I was able to, at the last moment, give them the info to contact the "on-line" notary. This notary was in TX and it was probably 7:30 or 8 pm at her home. I'm a senior citizen and do not appreciate all the technical crap of which the current workforce operates. (Seems a little inconsistent with good business practices.)Luckily, the second party is fluent in the goofy nuances of computer forms and quirks. It probably would have taken me twice as long or too much frustration to had completed this hour+long process. As this was the culmination of the process, the 11:59 deadline was met. I can only imagine how these middlemen and women must get a kick out of giving old folks palpations and grey hairs.Next time I sign up for the torture of modern financial insanity, I will definitely use Mr. Santangelo, if he returns my calls.Ciao
Youssouf M.
18:50 30 Jan 25
Dealing with Jason was excellent experience . He made it easy for me to get the loan when I was going through a difficult time.
Cindy L.
22:52 21 Jan 25
I highly recommend Jason Santangelo for your loans. We have over 8 years of knowing Jason. Although we have never met Jason in person. We know that we can trust him and that hard to come by these days. Jason has always gone above and beyond on helping us out on our. In the future we will be coming back to him.
Asif M.
03:41 15 Oct 24
Jason is the best. He has helped us with three mortgages already, and he will be our first (and likely only) call whenever we need to refi or apply for a new mortgage. He is extremely professional and thorough, and easy to work with. Our brokers loved him too!
F G.
23:34 26 Sep 24
Jason and Michael were great and very helpfull throughout the whole refinance process. Everything went smooth with no problems. Definitely recommended for all home mortgage related services.
Bill I.
18:12 08 Sep 24
The are not enough good words I could possibly use in describing my experiences with Jason Santangelo and his team. Friendly, detail oriented, knowledgeable on VA loans, up to date with market trends and timing, etc. He has been there time and time again for me and my family.
Arlene A.
21:32 22 Aug 22
Christina is amazing at her task. She goes above and beyond to assist you in getting your loan approved! She is always available to answer any questions, even if they seemed insignificant. I am truly thankful that she was able to help me reach one of my goals in life... that is to be a homeowner! I could not be happier with her services. I would definitely recommend her to anyone with no hesitation.
Clarissa
03:33 19 Aug 22
Christina gave us an amazing customer service experience. My husband and I are very thankful for her help in getting a home equity line of credit. She’s very thorough and helpful!!!! Thank you again ????????
bonnie C.
20:13 18 Jul 22
I would like to give a shout out to Nate Bryant !!Thank you so much for all you have done for my husband and myself.Nate is very knowledgeable and is always willing to answer our questions. He made the process of refinancing our home easy and worry free. I would recommend him to family and friends, and I have !!He has helped my daughter and my son on refinancing of their homes.Sincerely,Bonnie & Adam Chabarria
Vanessa J.
20:01 15 Jul 22
Wonderful experience. Extremely helpful and always available for questions. They take the time to give the best customer service to meet your needs. I recommend Express Capital for top notch service and results.
crystina C.
16:44 14 Jul 22
Absolutely the best customer experience I have ever experienced. They explained everything in a way I would understand and was always able to answer my calls and return my emails very quickly. The fastest I have ever moved on a refinance. Highly recommend this company between their knowledge, communication skills and excellent pricing you can not go wrong here. I personally worked with Jason G and he was amazing. I will continue to go through this company in my future purchases.
Jenna F.
19:11 08 Jul 22
I am a Realtor, and Nate and his team (Heather) were able to assist my clients and meet all the deadlines and demands in our contract with short notice. Communication was great along the way and I wish all my clients had lenders like them. They were on top of everything!
Zachary G.
18:14 29 Jun 22
I've known Jason for a number of years so when it came time to find a lender for our first home purchase it was an easy decision. Jason is kind, knowledgable and available to answer all of your home buying questions from start to finish. His calm demeanor made the entire home buying process effortless and dare I say, easy. Seriously, he's the best. Thanks Jason!!!
David P.
16:00 24 Jun 22
Excellent all-around. Was prompt, helpful and got us precisely what we needed to close on our home. 10/10 would recommend.
paul
20:41 17 Jun 22
Jason has helped us for a number of years with several refinances. He was able to help manage our fairly complex financials into a package that give us our best value. We also trusted his recommendations on when to do the refinances. Lots of adversity and unpredictability out there. He's never let us down. I trust his integrity and capability 100%. I have no reason to go anywhere else thank you again
Heather H.
03:19 25 May 22
My husband and I cannot say enough good things about Express Capital. They helped us refinance our home in California and most recently, buy our new home in Washington state. Moving to a new state is stressful enough, let alone to an area with a highly competitive market, but Jason Santangelo helped us seal the deal on the very first home we put an offer on! He not only reached out to our realtor, but to the sellers’ realtor as well; we know this gesture made our offer even stronger. After our offer was accepted, Jason and Casey Porzio made everything a smooth, easy process. They quickly answered any questions we had, stayed in contact with our realtor throughout escrow, and even helped us to close early. Jason and Casey are incredibly knowledgeable, patient, understanding, and kind. Refinancing and home buying can be daunting tasks, but not when you have an honest, outstanding team on your side like Express Capital. They are quite simply the best!
Tim M.
04:51 20 Apr 22
My wife and I recently found ourselves in a situation where we stumbled onto the home of our dreams, but the seller needed a 30 day escrow. We weren't really planning on moving, but we knew that in this tough housing market we needed to move fast or we would miss out on this opportunity. We quickly put in an offer and it was accepted. With all this happening so fast, we knew that we would need to find a dependable lender that would not only get our funding in place quickly, but would also get us the best rate.We contacted Express Capital, explained our situation and they immediately went to work. Chris and his team quickly got back to us with excellent rate options and were able to get our loan funded on time and without any issues. We are super happy that we worked with Express Capital on the purchase of our new home. They really did an excellent job and we would recommend them to anyone looking for a reliable and friendly mortgage company.
Dennis K.
17:56 18 Apr 22
We had the privilege of using Tom Neal's personable and professional services a few months back to refinance our home in Alexandria, Virginia. Tom is an extremely, knowledgeable professional that made the process extremely easy. We closed on our loan in less than 30 days (including the appraisal process). The settlement occurred at our home. Tom clearly articulated the pros and the cons for each facet of the process as it related to our application in a timely fashion. Tom always responded courteously and expeditiously to calls, texts, and emails. He provided us with a competitive rate with exemplary service. Without any reservation, we have referred Tom's services to others. Give Tom a call to chat about your situation, you will not regret it.Dennis and Carol K.Alexandria, Virginia
Taylor N T.
17:21 16 Apr 22
Michael was extremely helpful and patient with explaining the whole process of buying our first home! He was always on top of things and because of his knowledge of the market/world events that affect the housing market was able to lock us into our rate at the right time to get us the best interest rate we could have hoped for in this crazy market! Thank you Michael for helping us get to where we needed to be financially to buy our first home!
Bill C.
21:48 14 Apr 22
We've refinanced our loan probably 4 times since we initially bought our home and the last 2 have been with Express Capital. Before being referred to Jason at Express, we dealt with big name lenders who promised us (even in writing) rock-bottom rates and costs. In the end though, we never got the low rate, no-cost loan they promised because our "situation" didn't qualify. With Express, Jason asked all the pertinent questions upfront - it was clear he knew his stuff and he made it a point to educate us too. Transparent, honest, and delivered exactly on what he quoted. Can't ask for more. Don't be fooled by those low rate, no-cost advertisements - just go to Express.
Scott A.
20:32 14 Apr 22
Jason, Heather and the gang at Express Capital have been fantastic. Their attention to detail, efficient communication and diligence in helping us with our recent re-fi resulted in a smooth and stress free process. You really can't do any better in terms of customer service, follow up and just generally being good people.We've been long time clients of Jason and couldn't recommend him more highly. We look forward to a continued relationship with him!
Contact Express Capital
If you have questions or are ready to apply for a mortgage, we are excited to help you. Please give us a call today at (949) 751-6940 to schedule your consultation. We can work with you in Tustin, Irvine, Los Angeles, or anywhere in California or all 50 states.
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For complete loan program details please speak with a mortgage specialist. All programs, rates, terms and conditions are subject to change without notice. This is not a commitment to lend. All loans are subject to credit and collateral approval. Some products may not be available in all states. All loans are offered through Express Capital Corporation NMLS ID 1477855
For complete program details, speak with one of our mortgage specialists. This is not a commitment to lend. All home lending products are subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply. Home lending products are offered through Express Capital Corporation NMLS 1477855. Nationwide Mortgage Licensing System & Directory information can be found at www.nmlsconsumeraccess.org. NOTICE TO CONNECTICUT CONSUMERS: Express Capital Corporation is a MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER.