About Express Capital

Tim M.
“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.
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.

Express Capital Team Photo

Years combined
mortgage experience


Amazing employees


Home purchases


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

Jason Santangelo Express Capital Vice President
Jason Santangelo

VP, Residential Lending
NMLS#: 206752

Chris Daddario Express Capital Branch Manager
Chris Daddario

Branch Manager
NMLS#: 206737

Tom Neal Express Capital Sales Manager
Tom Neal

Sales Manager
NMLS#: 206747

Christina Verduzco Express Capital Sr. Mortgage Banker
Christina Verduzco

Sr. Mortgage Banker
NMLS#: 354411

Mike Hungerford Express Capital Senior Loan Officer
Mike Hungerford

Senior Loan Officer
NMLS#: 111984

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!

Arlene A.
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.
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 🙏🏼
Dale B.
Dale B.
17:34 25 Jul 22
My working experience with Jason Santangelo spans several years now. Although it's sad to say that many realtors have a well-deserved reputation for being uncaring towards their clients, Jason sets himself apart from them by his basic honesty, integrity, and an old fashion warm towards his client that we no longer encounter in today's business world. In all my dealings with him over the years, Jason has consistently exceeded my expectations in managing my mortgage refinance matters. He is a seasoned professional, does his homework, stays alert to changes in market trends and interest rates, and advises me of critical time windows of when to refinance. Jason answers all of my questions completely, continues to educate me about the market, and goes out of his way to accommodate me whenever I make a request of him. Express Capital can be proud to have such a man of character and ability as Jason Santangelo within their organization.Dale Brown
bonnie C.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.