A 100% US-Based and Veteran Owned California Corporation. All Profits Remain Here Locally.
You won’t see them in Superbowl ads and you won’t see their names on sports stadiums, but mortgage brokerages, owned and operated by mortgage brokers, are the secret fuel powering United Wholesale Mortgage, the number one lender in the United States, with over $127 billion dollars of loans funded in 2023. Expert knowledge, personal service, fast loan closings, incredibly low rate prices, and a hassle-free process. Experience the broker difference for yourself.


"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."
Get Quotes with No Salespeople. No Credit Checks. No Personal Information. No Spam emails. No unwawnted calls.

ureCapital has more to offer than just low rates!

😊We have electronic employment verification to reduce the amount of paperwork and time needed to process your loan. 😊Our super-secure virtual application allows you and your United rep to fill out the application together online. 😊We honor Fannie Mae and Freddie Mac appraisal waivers which eliminates the cost and time needed for an appraisal. 😊We have super-fast processing times that allow us to close days or even weeks faster than the big banks and lenders.
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.
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.
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.

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