Business Details
Your Trusted Mortgage Partner in Los Gatos, CA
At Xcapital, we have dedicated ourselves to transforming the mortgage experience for homeowners and investors across nine states. Since our founding, we've combined decades of industry expertise with a commitment to personalized service, ensuring clients receive competitive rates and tailored solutions. Our team specializes in navigating complex loan programs, from conventional and jumbo loans to specialized options like DSCR and non-QM financing. We leverage technology to streamline processes while maintaining the human touch that fosters trust and transparency.Our reputation, built through thousands of successful transactions, reflects our unwavering focus on client education and satisfaction. By negotiating volume discounts with lenders and maintaining lean operational margins, we consistently deliver cost-effective solutions without compromising service quality. Our digital mortgage platform exemplifies our dedication to innovation, offering a seamless, obligation-free application process that prioritizes client convenience.
Services
Refinance Loans
Purchase Loans
Conventional Loans
Jumbo Loans
FHA Loans
VA Loans
Home Equity Lines
Reverse Mortgages
Bridge Loans
First Time Buyer Programs
Highlights and features
- We've helped thousands achieve homeownership goals since 2002
- Negotiate volume discounts with lenders to secure competitive rates
- Specialize in complex loan programs for unique financial situations
- Offer a seamless digital mortgage application process
- Serve clients across nine Western and Southwestern states
Associations and certifications
- NMLS 174241
What people say
Great rates
Smooth process
Awesome team
Excellent service
Stress-free experience
Services
Refinance Loans
Our refinance programs help homeowners reduce monthly payments, access equity, or adjust loan terms. We offer conventional, jumbo, FHA, and VA refinancing options with streamlined processes. Clients benefit from our lender network that provides competitive rates through volume-based discounts.
Purchase Loans
We specialize in purchase financing for first-time buyers and experienced investors. Our programs include FHA, VA, conventional, and jumbo loans with down payment options starting at 0%. Our team guides clients through every step of the home buying process.
Home Equity Lines
Our home equity lines of credit provide flexible access to property equity for renovations, debt consolidation, or investment opportunities. We offer competitive rates and personalized terms for residential and commercial properties.
Reverse Mortgages
Designed for homeowners aged 62+, our reverse mortgage solutions convert home equity into tax-free funds. We provide clear explanations of loan terms and ensure clients understand all available options.
Bridge Loans
Our bridge loan programs facilitate quick real estate transactions by providing temporary financing between property purchases. Ideal for investors needing rapid capital access during transitional periods.
People
Dan Koz
Owner
With over two decades of mortgage industry experience since 2002, Dan Koz founded Xcapital to provide transparent, client-focused financing solutions. His expertise in negotiating competitive rates and commitment to personalized service have established the company's strong regional reputation.
Questions
What loan types do you offer?
We provide conventional, jumbo, FHA, VA, home equity lines, reverse mortgages, and specialized programs like bridge loans and first-time buyer options.
How do you offer competitive rates?
We negotiate volume discounts with multiple lenders and maintain lean operational margins to pass savings directly to our clients.
What states do you serve?
We operate in California, Washington, Oregon, Arizona, Colorado, Florida, Wyoming, and Tennessee with local market expertise.
Can I apply online?
Yes, our digital mortgage platform allows no-obligation applications with real-time rate quotes and document submission capabilities.
How quickly can you close a loan?
Our fastest closing occurred in 23 days, though typical timelines depend on property type, loan complexity, and documentation completeness.
Do you work with first-time buyers?
Yes, we specialize in first-time homebuyer programs with low down payment options and personalized guidance throughout the process.
