At SRK CAPITAL, we believe finding the right mortgage should be clear and straightforward. Whether you are buying your first home, refinancing an existing loan, or investing in property, our team helps you explore available home loan programs and financing options. Our goal is to provide guidance and support so you can choose a mortgage solution that aligns with your financial goals.
Whether you are buying your first home, refinancing, or investing, I will help you compare the right loan programs for your income, budget, and timeline. Expect competitive rates, flexible terms, and clear guidance from application to closing.
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.
Compare purchase and refinance options with competitive rates and terms. Get straightforward guidance and a smooth process designed to help you close with confidence.
Every borrower has a different income, credit profile, and financial goal. We structure home loan options around your situation, whether you are buying, refinancing, investing, or self employed.
We offer conventional, FHA, VA, and refinance options with competitive interest rates and term structures designed to reduce monthly payments and support long term financial stability.
Licensed to lend across multiple states, we help buyers and investors secure financing wherever they purchase, with clear guidance on guidelines, timelines, and closing requirements.
Our streamlined mortgage process prioritizes complete documentation, proactive communication, and efficient underwriting to help qualified borrowers close quickly and confidently.
Whether you are buying your first home, refinancing, or comparing mortgage options, SRK CAPITAL delivers personalized guidance, competitive rates, and a streamlined lending experience. Backed by an experienced team and proven process, we help you move forward with clarity and confidence from application to closing.
Get straightforward answers to common home loan and refinance questions, including credit requirements, down payments, timelines, and what to expect during the approval process.
We specialize in a wide range of mortgage solutions, including conventional loans, FHA, VA, jumbo loans, and more. Whether you are a first-time homebuyer, self-employed, or looking to refinance, we have tailored options to fit your needs.
Getting started is easy. You can reach out to us for a quick strategy session where we’ll discuss your goals and gather some initial details. From there, we guide you through pre-approval, document collection, and the entire loan process step by step.
Borrowers with stable W2 income, a 620+ credit score, manageable debt, and documented assets are typically strong candidates for conventional financing with competitive rates and flexible terms.
Many qualified buyers purchase with 3% to 5% down on conventional loans or 3.5% down on FHA loans, depending on credit profile and overall financial strength.
FHA loans are often a good fit for first time buyers or borrowers with moderate credit who want lower down payment options and more flexible qualification guidelines.
Lenders typically average the last two years of net income shown on tax returns. Consistent earnings, organized financials, and stable business history strengthen approval.
Yes. Self employed and 1099 borrowers can qualify with proper documentation, steady income history, and strong credit. Clean records help ensure smoother underwriting.
Strong investor files usually include solid credit, adequate reserves, rental income support, and appropriate down payment, typically 15% to 25% depending on loan structure.
Refinancing may make sense when you can lower your interest rate, reduce your monthly payment, shorten your loan term, or improve overall financial positioning.
The first step is a mortgage pre approval. This includes reviewing income, credit, and assets to determine eligibility and provide a clear purchase or refinance strategy.
