At SRK CAPITAL, we believe finding the right mortgage should be simple, supportive, and stress-free. Whether you’re buying your first home, refinancing, or investing, we offer the latest home loan programs, competitive rates, and unmatched service. Let our expert team guide you to the best mortgage solution for you and your family—because you deserve a better way to borrow.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Our Conventional Home Loans offer competitive interest rates and flexible terms, ideal for borrowers with solid credit histories. Designed to help you secure your dream home, these loans provide a straightforward process and diverse options. Enjoy clear guidelines and customizable financing plans that meet your needs while fostering long-term financial stability, making homeownership an accessible and rewarding achievement.
Our refinance home loan options are designed to help you lower your interest rate, reduce monthly payments, or access home equity. Whether you’re looking to consolidate debt, renovate your home, or shorten your loan term, we offer streamlined refinancing with competitive rates and flexible terms. Refinancing lets you realign your mortgage with your current goals and strengthen your financial strategy—all backed by expert support every step of the way.
A cash-out refinance lets you replace your current mortgage with a new one that’s larger, allowing you to withdraw the equity you’ve built in your home. Use the cash for home improvements, debt consolidation, or major expenses. This option gives you financial flexibility without taking on a separate loan. With competitive rates, flexible terms, and a simple process, cash-out refinancing is a smart way to turn your home’s equity into a powerful financial tool.
USDA Home Loans support rural and suburban homebuyers with low to moderate incomes by offering zero down payment options and competitive interest rates. Backed by the government, these loans aim to promote sustainable community development. Benefit from flexible credit guidelines, reduced closing costs, and a streamlined process designed to make homeownership accessible in eligible rural areas, ensuring a strong foundation for lasting financial security.
Reverse mortgages are designed for homeowners aged 62 and older, allowing you to eliminate monthly mortgage payments and access your home’s equity. Use the funds for retirement expenses, home improvements, or to purchase a new home. You can also refinance an existing reverse mortgage to improve your terms. With flexible options and no monthly payments required, a reverse mortgage helps you stay in the home you love while supporting your financial freedom in retirement.
Sebastian Naranjo and Kai Youngman established SRK CAPITAL in 2022. After years of working with various loan officers, they noticed the process was often not simple for clients. It should have been more straightforward. Loan officers struggle to explain different types of loans. What a rate lock is, and how closing costs are calculated. Struggle to explain discount points to clients. They also neglect to describe many other aspects of home mortgages to their customers. Because they both shared a vision to redefine the home lending experience, SRK CAPITAL was formed.
Sebastian’s background as a Realtor, actor, and avid international traveler provided valuable insights. And Kai’s past managing operations for a high-volume lending team contributed as well. Together, the duo embarked on a mission to create a mortgage company that stood apart from the competition. With their unique backgrounds, they have streamlined the home loan process. Additionally, Sebastian and Kai work closely with other vetted and qualified team members. These team members are well-versed in home mortgages. And their invaluable contributions to the team make the process smooth and efficient.
Even in today’s challenging home mortgage market, the team thrives. The team benefits from the collective skill of its members. Each person brings a unique skill set to the table. SRK CAPITAL’s lending approach prioritizes efficiency, guided by a commitment to providing the highest level of service. The team takes pride in exceeding the expectations of both clients and their Realtor Partners.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
At SRK CAPITAL, we’re redefining what a home loan experience should feel like. From competitive rates to personalized service, our focus is on making your mortgage journey faster, simpler, and more transparent. Whether you’re a first-time buyer, refinancing, or investing, we bring the latest loan programs, smart technology, and expert insight to the table—so you can move forward with confidence.
Our team of licensed professionals is committed to putting your goals first, helping you find the right loan for your lifestyle and financial future. We’re here to make sure you feel informed, supported, and empowered—every step of the way.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
A Conventional Loan is ideal for borrowers with strong credit and offers flexible terms with competitive rates. In contrast, an FHA Loan is backed by the government and designed for those with lower credit scores or smaller down payments, making homeownership more accessible.
VA Loans are available to active-duty service members, veterans, and eligible surviving spouses. To qualify, you’ll need a Certificate of Eligibility (COE) from the VA, meet credit and income requirements, and plan to use the home as your primary residence.
A Jumbo Loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. If you’re purchasing a high-value home that requires financing beyond conventional limits, a Jumbo Loan provides the funding you need with flexible terms.
Yes! Bank Statement Loans and Non-QM Loans are great options for self-employed borrowers. Instead of W-2s, these loans use bank statements or alternative income verification to qualify, making homeownership accessible for entrepreneurs and freelancers.
An ITIN Loan is designed for borrowers without a Social Security number but who have an Individual Taxpayer Identification Number (ITIN). These loans provide financing options for non-U.S. citizens looking to buy a home, using alternative forms of credit and income verification.
A HELOC (Home Equity Line of Credit) is a revolving credit line that lets you borrow against your home’s equity as needed. A Cash-Out Refinance replaces your existing mortgage with a new loan for a higher amount, giving you a lump sum of cash upfront.
Investment Property Loans are designed for purchasing rental properties or second homes. Lenders often require a higher down payment and stronger credit score, but these loans allow you to generate income and build wealth through real estate.
A USDA Loan offers zero down payment, low interest rates, and reduced mortgage insurance for homebuyers in eligible rural areas. It’s a great option for those looking for affordable homeownership with government-backed security.
An ARM starts with a fixed interest rate for an initial period (e.g., 5 or 7 years), then adjusts periodically based on market rates. It’s ideal for buyers who plan to move or refinance before the rate adjusts.
A Reverse Mortgage allows homeowners aged 62+ to convert home equity into cash, with no monthly mortgage payments required. The loan is repaid when the homeowner sells the home, moves out, or passes away, making it a valuable retirement tool.
Yes! While credit scores impact refinancing options, FHA Streamline Refinance or Non-QM Loans may allow you to refinance with lower requirements. Improving your credit before refinancing can also help secure better rates.
The first step is to get pre-approved! This involves a quick review of your credit, income, and financial situation. Pre-approval gives you a clear picture of what you can afford and makes home shopping easier. Ready to get started? Let’s talk!
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