A 100% US-Based and Veteran Owned California Corporation. All Profits Remain Here Locally.
United Real Estate Capital is a full-service mortgage brokerage serving the entire state of California. I specialize in Conventional Loans for 1-4 unit properties, Veterans Administration Loans, and I also offer Small-Balance Commercial loans and Private Money residential loans. I am a small brokerage with all the resources of the mega banks and big-box lenders, but the banks and lenders do not have all of the resources that I have. Welcome to my company. Welcome home.
I have over 26 years of mortgage experience derived from my time working at the brokerages, banks, lenders, and now my own company. I’ve incorporated the good things I’ve learned from the other companies and capitalized on all their mistakes to bring you a firm that offers you any easy process, straight answers, and some of the lowest rate pricing in the country. And I employ just enough of the right technology to make the process easier for you while still keeping things personal.
I offer electronic employment verification so many of my customers can avoid searching through piles of papers looking for W2s and paycheck stubs. I honor Freddie Mac and Fannie Mae appraisal waivers to save my customers time and appraisal fees. I have a 256-bit bank-level encrypted application that can be filled-out from a computer or mobile device. My application allows you and I to share the computer screen and fill out the application together while we chat on the phone.
I advertise my general mortgage rates via video. The rates you will see in the videos are based on a $400,00 loan amount, 740 middle credit score, owner-occupied property, single-family residence, $470,000 home value, no cash being taken out, with taxes and insurance included in the monthly payment. If you want a quote specific to your scenario, please visit my MortValue Mortgage Mall below to get free custom rate and fee quotes with no credit checks or applications.

Welcome

"26 years of home loan experience went into making United Real Estate Capital (ureCapital). My goal was to create the most honest and transparent mortgage company in America, with some of the lowest interest rate fees on the market. I’m Douglas, the founder of United Real Estate Capital. Welcome Home."
MortValueMortValue
Licensed by the Great State of California Department of Real Estate. License Number 02147843.

Doug's Tips and Tricks.

😊 When deciding on which company has the lowest closing fees, it’s critical to make your final decision based on the official Loan Estimate. You must get your Loan Estimates from each company on the same day because the interest rate pricing changes from day to day, and you want to compare “apples to apples”. 😊 The Annual Percentage Rate (APR) lets you know if there are fees associated with the rate being advertised. When the rate and APR are the same, that indicates there are no fees associated with the advertised rate. When the APR is higher than the rate, it indicates fees associated with the rate. 😊 The primary sources of home loans in the country are Brokerages, Banks, Lenders, the Credit Unions. Shop across all sources to increase your chances of success. In other words, do not shop at banks only, or brokers only, or lenders only. Shop and compare a lender to a broker, a broker to a bank, a bank to a lender, etc. 😊 The Loan Originator Compensation Rule is a law that prohibits banks, lenders, brokerages, and credit unions from being compensated based on certain terms of the loan like the interest rate and how much you pay in fees. You could pay no fees or ten thousand dollars in fees and your loan rep gets paid the same.
Low Rate Prices
Personal Service
No Hassle Quotes
Fast Closings
Best decision ever! Doug’s service, knowledge, expertise and attitude was first class. We never felt that he was just trying to sell us the best product for them but truly find the best solution for us. His advice and help throughout the process made the whole ordeal and process very painless and easy. We highly recommend Doug and his team and can confidently say that he exceeded our expectations. Everything was handled quickly and efficiently, and his customer service is the best that we have experienced! Thank you so much Doug!
Kevin E.
CUSTOMER_REVIEW - #1
I have done several loans with Doug and his attention to details dealing with the loan process is second to none. He is my loan specialist, I have a friend in the loan business that I trust and recommend 💯
Michael Q.
CUSTOMER_REVIEW - #2
I was VERY nervous, and this was my first refinance- when I started the process, I felt my nerves at ease, I felt cared for, and I felt like I could ask any question or any concerns I had! Douglas didn’t feel like someone I had never met before, he made the entire experience EASY, and walked me through every step, and had a ton of patience with me. Every line of every document he made sure I understood, and he also gave me every option available not just the option he thought was best, he listened to my thoughts and made sure k never had a worry that went unheard...
Laura F.
CUSTOMER_REVIEW - #3
I used United Resource Capital to refinance my home while pulling out cash out to pay off high interest debts. Doug is super knowledgeable about the mortgage industry and he kept us informed every step of the way. We were able to get it done in three weeks which is the fastest I have ever had a refinance done. I could not be happier and I recommend checking them out!
Antonio R.
CUSTOMER_REVIEW - #4
Doug was phenomenal on each of the refi’s I have done with him. The process is so smooth and he truly looks out for his clients at every opportunity he can. Extremely, highly recommend Doug and UREC for your mortgage services.
Will P.
CUSTOMER_REVIEW - #5
I just got out of military and I was a first-time home buyer so I did not know a thing about home purchasing process. My realtor referred me to here for loan financing, and I was so glad I had Doug working on my loan. I was using the VA loan and I heard sellers don't like VA loan because it takes too long, but I never had that kind of problem because Doug was always proactive and worked on everything flawlessly so I was always on schedule with the whole purchasing process. I am really grateful for my experience with United Real Estate Capital. I will definitely...
Hoon P.
CUSTOMER_REVIEW - #6

ureCapital Command Post

ureCapital Command Post
Serving the entire State of California
Our address
30211 Avenida de las Banderas, Suite 200, Rancho Santa Margarita, CA 92688
Open hours
8:00 AM to 8:00 PM, Mon. through Fri. Open Saturday and Sunday for Agents