Equity
Every solution is structured around the borrower’s actual financial position, led by asset strength, equity, and property value.
About Us
Built for the borrower
the bank could not place.
CapitalSource is a structured home equity lending platform operating as both a mortgage brokerage and direct lender.
01Our philosophy
Deliberate expertise.
Structured solutions.
We specialize deliberately in HELOCs, cash-out refinances, and reverse mortgages structured through non-QM qualification programs that conventional banks do not offer. The result is a platform built to solve what others cannot.
Structure
We design lending solutions with disciplined frameworks, clear terms, and deliberate risk management.
Clarity
We communicate transparently, define expectations early, and remove complexity so clients can make confident decisions.
02Leadership
William Oh
Founder & CEOWilliam Oh holds an MBA from Columbia Business School and brings over two decades of experience across mortgage origination, capital markets, and private credit.
CapitalSource was designed for the structurally complex borrower: the business owner whose tax returns understate income, the real estate investor whose cash flow does not fit a debt-to-income calculation, and the high-net-worth individual whose wealth lives in assets rather than pay stubs.
“CapitalSource exists because the most financially sophisticated borrowers are often the ones conventional lenders are least equipped to serve.”
03Our Process
Direct.
Transparent.
Before paperwork, we first understand your current situation and goals.
30-second review
Answer a few quick questions and leave your contact details.
Consultation & documentation
We explain the income and asset documentation path that fits your scenario.
Terms & execution
Once options are identified, we move forward with clear milestones and communication.
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