About Us
🏠 About Cap One Lending
Mortgage Expertise. Private Lending Power. Veteran-Owned Values.
Welcome to Cap One Lending—your trusted partner in residential and private lending. We’re more than a mortgage company—we’re a team of experienced professionals dedicated to helping individuals, families, and businesses achieve their financial goals with clarity, speed, and confidence.
💼 Who We Are
Founded from a merger of traditional mortgage excellence and private lending expertise, Cap One Lending was built on the foundation of A1 Mortgage (est. 2007) and launched as a new brand in 2022. With over 25 years of combined lending experience, we specialize in both residential home loans and business-purpose lending, offering a wide range of competitive mortgage solutions for all types of borrowers.
We are a veteran-owned and operated company, and we bring the same values of service, integrity, and discipline into every loan we fund.
💡 Our Mission
Our mission is simple:
To deliver a seamless, transparent, and empowering lending experience—built on trust and tailored to your goals.
Whether you're buying your first home, investing in real estate, refinancing for better terms, or seeking capital for your business, Cap One Lending is here to walk you through each step of the journey.
🤝 What Sets Us Apart
✅ Veteran-Owned. Veteran-Trusted.
Our team brings decades of combined experience in lending and military service. We know what it means to work hard, earn trust, and deliver results.
✅ Relationship-Driven, Not Transactional
We don't just close loans—we build long-term partnerships. Our clients become repeat customers and refer their friends and family because of how we treat them.
✅ Expert Guidance, Every Step of the Way
From application to closing, we provide clear communication, loan education, and expert insights to ensure you always know what to expect—and when.
✅ Flexible Loan Options
We offer a wide array of mortgage and private loan programs, including:
- FHA, VA, USDA, and Conventional Loans
- DSCR Rental Loans
- Fix and Flip, New Construction, and Bridge Loans
- HELOCs and Freedom Loans (all-in-one banking)
- Non-QM and bank statement loans for self-employed borrowers
✅ Fast, Transparent Approvals
As a direct lender, we offer speed and flexibility you won’t find at big banks. Many of our clients close in as little as 10–14 days, depending on the product.
🌍 Who We Serve
- First-time homebuyers and move-up buyers
- Veterans, active-duty military, and their families
- Real estate investors and builders
- Business owners and entrepreneurs
- Self-employed professionals
- Individuals seeking private lending or short-term financing
💬 What You Can Expect from Us
- 🧠 Education-first approach—we believe informed borrowers make better decisions
- 📞 Dedicated support team—real people you can count on
- 💰 Competitive interest rates—tailored to your needs and goals
- 🤝 Hands-on guidance—from pre-approval to post-closing
"We’re here for the long run—whether it’s your first home or your next investment."
📞 Ready to Work With a Lender Who Works for You?
Your mortgage journey should be clear, fast, and empowering. At Cap One Lending, we’re committed to making it exactly that.
📲 Call us at 816-905-1111
🌐 APPLY HERE
Experience the Cap One difference—where trust, expertise, and personal connection drive everything we do.