Welcome to Mortgage Capital Associates!

Your best interest is our top priority and we’re committed to helping you find the right mortgage.

Today’s Rates

Mortgage Capital Associates offers a variety of mortgage products at competitive rates. Takes only 2 minutes – no credit check!

1-on-1 Consultation

No matter where you live, a knowledgeable, friendly Loan Consultants you can trust are ready to work for you.

Mortgage Calculators

Estimate your monthly payments on a home purchase or refinance with our easy-to-use calculators.

First Time Homebuyer –

Low Down Payment Option

Take the first step. Know your budget. Get prequalified.

Buying your first home is exciting, but it can be confusing. There are lots of things to consider, including loan types, down payments, escrow lengths, and more. We’ve been working with first-time buyers for over 30 years, and understand their needs. We have a wide range of loan products to fit your unique situation, and with our friendly, experienced mortgage experts, you’ll get the advice you need to make an educated decision.

Client Testimonials

  • Jerry T. from Portland, OR
  • Victor P. from Debary, FL
  • I have financed about 3 to 4 properties with Mortgage capital Associates.   I started with my primary in 2003 and recently financed two more loans with Jennifer Cho as I am purchasing my 5th property. Jennifer is just an awesome loan officer.  She is the reason I come back to you guys.  Very helpful and mostly cater for the customer needs and strive to accomplish these needs rather than shuts down any requests.  Can’t find any complaints so the least I can do is show my appreciation to her and how much of a value she is to your company. Keep up the good work guys.

    Mark K. from Kent, WA.
  • As a real estate professional, I’ve now worked with Jennifer Cho of Mortgage Capital Associates a few times over the past several months.  Her level of professionalism, communication, and overall timeliness is outstanding.  I can’t stress how many lenders I’ve come across over the years that leave so much to be desired.  This company, and Jennifer, stand above the pack.  I highly recommend her team.

    Simone C. from Glendale, CA.
  • We were so lucky to have found Jennifer. We were first-time home buyers and not familiar with the lending process. Jennifer responded to our online inquiry on a Sunday and had been just incredible with explaining the lending process to us in detail throughout. In the beginning she wasn’t sure if she could work with us, but she still took the time to respond whenever we emailed her with questions. We did eventually get to work with her and she worked hard to get things lined up in a very timely manner. We went into the buying process thinking that everyone would try to take advantage of us. Some of the loan officers we talked to certainly made us feel that way. But Jennifer proved them wrong. Her integrity is second to none. We would work with her again in a heartbeat.

    Caline E. from Los Angeles, CA.
  • I was dealing with 3 different companies when i started the process of refinancing my home to remove Mortgage Insurance. MCA was by far the lowest provider not just in loan costs but also interest rate. Their service was also impeccable. Sidney Flores and her team were updating me constantly on the status of my refinance. At all hours not just your standard 9am to 6pm office hours. Really a great organization and you should definitely give them a call if you are looking for mortgage loans.

    Juan P. from Upland, CA.
  • They were very up front with the costs (which were lower than any other mortgage broker I could find) so there weren’t any surprises later and Stephanie Steren, my contact, was always available to answer any questions. They made my whole mortgage refinance significantly easier and less stressful than setting up my original mortgage. Would definitely recommend them to a friend.

    Eric P. from Emeryville, CA.
  • The Loan Officer that we used was Jose Flores and I was extremely impressed with the wonderful customer service he provided me and my wife. He did an outstanding and efficient job in servicing our loan. He was courteous, detailed, knowledgeable and patient with any question or request we had of him. I thanked him for his great service. I found you all through Bankrate.com and Jose almost immediately contacted me once I submitted my information. He followed-up with me as I requested and was professional in all that he did. I would highly recommend Mortgage Capital Associates and Jose to anyone that I know is looking for a home loan. As a matter of fact, I have already recommended you all to friends already.

    Rafael & Maria J. from Texas
  • MCA and Jennifer Cho was a pleasure to work with. Jennifer and her team was always very responsive, especially with the fact we were working in 2 different time zones. Rates were competitive and so was the pricing. Jennifer and the MTG team was very thorough and efficient each day through the process. Should I ever need a loan or refinance, I wouldn’t blink twice to come back to MTG.

    Ralph A. from Illinois
  • I came across MCA through an online search for the best mortgage rates. I engaged with Jennifer through their online Chat tool and instantly was impressed by her knowledge and advice on various products. I was initially suspicious about going with an online broker and someone I had not met, but Jennifer made me feel at ease. Jennifer and I worked together to ensure a quick closing on my vacation home refi which is not necessarily the easiest mortgage (given it’s remote location) Thanks!

    Colin H. from San Jose, CA
  • We found MCA on Bankrate.com, searching for a lower rate than our builder’s preferred lender who treated us like they were doing us a favor processing our loan. I was a little hesitant at first but after a little research we decided to go with MCA. We could not have been more pleased. Everything was handled electronically and Jennifer Cho was always available for any questions or to discuss the next step. I would certainly recommend MCA. There was one minor issue however about the escrow where we were being asked to provide a full year’s escrow at closing. Hours before closing the loan we opted to eliminate the escrow. The staff at MCA had everything revised immediately and sent to the tile company and closing occurred on schedule. Overall, it was a great experience.

    Drew P. from Cypress, Texas
  • I have closed on multiple homes with MCA and worked more than once with Jennifer Cho. My overall experience has been excellent. The rates and customer service are very good. I would not hesitate to recommend MCA to others.

    Ajay P. from Virginia