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Martin Litwin - Capstone Direct

5.0 (4 reviews)
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We have worked with Martin on many transactions. He gets the job done timely and at a good rate!

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LowerMortgage - Finance your dream house!

LowerMortgage

(10 reviews)

I have known Mark for many many years but had never had the opportunity to work with him…read more I'm recently divorced and found myself needing help after selling the house I had lived with my ex and honestly felt a bit lost and helpless. I was scared of what there future had in store for me especially because I wanted to stay in the area. I had been a full time stay at home mom for many years working only part time so I had a tight budget with my new lifestyle. I expressed my concerns with Mark and he assured me he was going to help me any way possible and make sure I could find something affordable with great rates. I was nervous nonetheless because the rates to purchase a home were going up and I was not sure if I would even qualify and get approved as my income was not that great! Luckily my home sold fast and with my portion I paid off my debt and had a decent chunk left to put down on a new place! Mark did everything in his power to help me and not only did I get to stay in the area but ended up with a great rate and I'm finally settling down in my new home! I'm so grateful to him and his company because he was able to find a loan that worked for my budget and he explained the entire process step by step making me feel at ease. Thank you so so much I truly appreciate you.

We just got to step into our new home for the first time--still can't believe it all came together!…read moreBecause we owned a second home out of state and the conforming loan limits in our new area were lower, this wasn't a straightforward mortgage. Several lenders made the process feel overly complicated, but Mark was incredibly resourceful and got it done smoothly. He went above and beyond to find solutions, secure a great rate, and guide us through each step. His responsiveness and clear communication made a big difference throughout the process. We're truly grateful for his help and will definitely reach out again when the rate environment improves. Thanks again, Mark!

Justin Bitensky - Equity Smart Home Loans

Justin Bitensky - Equity Smart Home Loans

(14 reviews)

I highly recommend Justin to anyone looking for a loan!! We just finished my first cash-out…read morerefinance at a fast speed and Justin just gained a lifetime client as I will be coming to him again for my future lending needs! He worked incredibly fast, had the best rate, communicated very clearly, had great manners, advocated for me, and made it easy-breezy. I'm self-employed with complicated income situation. Before going with Justin, I was shopping with 10 different brokers (yes, TEN, I'm not being hyperbolic). The rate and terms he got me was so ridiculously competitive that his competition laughed when I told them, until they realized I wasn't bluffing. Not only were his competitors unable to beat it, but more importantly, they couldn't provide the speed, the smooth process, and advocacy Justin could, which matters a lot in time-sensitive loans. Most brokers feel like they work for the lenders "this is what the lender has and requires", Justin actually feels like he works for my benefit. During the process, Justin had everything scheduled and covered with a clear timeline, I barely had to lift a finger unless it is something only I can do. Justin also had great connections that sped up the appraisal and other steps in the loan process. He even advocated for me and got me extra benefits and more favorable loan terms.

We contacted Justin about a HELOC. He analyzed our situation and quickly realized a reverse…read moremortgage would be better for us. (Lots of equity, no kids.) He worked through our resistance and we got the reverse mortgage. Great move. We've already used our equity to paint our house, get mini-splits and new windows, and redo our kitchen. None of it would have been possible without Justin, to whom our retirement years owe a huge debt of gratitude.

Martin Litwin - Capstone Direct - mortgagebrokers - Updated October 2026

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