Built for the borrower the bank couldn't place.
CapitalSource is a structured home equity lending platform operating as both a mortgage brokerage and direct lender.
Start Your ReviewWe don't chase volume. We specialize deliberately and exclusively in HELOCs, cash-out refinances, and reverse mortgages structured through non-QM qualification programs that conventional banks don't offer. The result is a lending platform that can genuinely solve what others can't.
Our philosophy
Equity
Every solution is structured around the borrower's actual financial position led by asset strength, equity, and property value. We build responsible leverage, not reckless exposure.
Structure
We design lending solutions with disciplined frameworks, clear terms, and deliberate risk management. Our clients understand exactly what they're entering and what the outcome looks like.
Clarity
Finance should never feel opaque. We communicate transparently, define expectations early, and remove complexity from the process so clients make confident decisions.
William Oh
Founder & CEO
William Oh holds an MBA from Columbia Business School and brings over two decades of experience across mortgage origination, capital markets, and private credit. His career spans both the origination side where he developed deep expertise in non-QM qualification and home equity structuring and the institutional side, where he gained firsthand understanding of how capital markets price risk, how secondary markets evaluate loan performance, and where conventional underwriting leaves creditworthy borrowers behind.
That institutional lens is what CapitalSource was built on. Most mortgage platforms are designed to process the straightforward deal. CapitalSource was designed for the structurally complex one — the self-employed business owner whose tax returns understate income, the real estate investor whose cash flow doesn't fit a debt-to-income calculation, the high-net-worth individual whose wealth lives in assets rather than pay stubs, the homeowner with substantial equity and a rate they will never give up.
“CapitalSource exists because the most financially sophisticated borrowers are often the ones conventional lenders are least equipped to serve.”
Need a Second Opinion?
If you've been declined by a conventional lender or want a second opinion on your equity options, this is where to start.
Visit Us
3050 Saturn St., Suite 105
Brea, CA 92821