Getting my home mortgage with Xcapital has been the best choice I could have ever made. They are patient in understanding your financial needs, scout the best loan options for you, and make closing on a home super easy. My loan co-ordinator was meticulous in educating me on all loan options available to me. She was prompt in her responses, and went beyond her normal duties to make the transfer process smooth. Highly recommended these guys if you are looking for a trustworthy loan broker. read more

Definitely Best Mortgage refi I've ever been to. Dan and his team cares and they help everyone to save ! Honest! read more

I've had three refinances with Dan and he always found the best deals for me. He is honest, straightforward and very professional! Highly recommend! read more

Dan is absolutely amazing! Quick to respond via SMS/email, he goes an extra mile to make the client happy. His documents are stored in a safe Dropbox folder and he ensures privacy/security of your paperwork. While we could not eventually work together, I was very impressed with his & his staff's professionalism. When I am in the market for a mortgage again, I will call Dan! read more

This review is specifically for Dan Koz and his Xcapital team. Dan Koz of Xcapital is a rock star! He and his team (Rocsana and Marina) are absolute professionals and a pleasure to work with. Would give bonus stars if I could! Being a first-time home buyer, I had a lot of questions and a lot to learn. Dan was always available to patiently answer my questions. A few times for some of my repeated questions, I could picture an eye roll if I were on the receiving end of my questions - but with Dan I never felt that. He was there every step of the way patiently answering all of my questions every time, keeping me advised of the expectations, walking me through all of the many needed requirements, fighting for my best interest, and made me feel like I truly had a partner in this home purchase and one that was there always looking out for my best interest. No doubt that Dan has many clients, but when I was talking with him, he made me feel like my transaction was his one and only responsibility. With Dan's expert knowledge of real-estate transactions, mortgage rates and market trends, I was in great hands. This was exceptionally important to me because one of my first mistakes was my choice of a junior realtor with an irresponsible firm. (Note to never feel like you need to sign on with a realtor because they opened the door and showed you a home. Lesson learned the hard way!) Dan together with his team kept the transaction moving despite the many hurdles and issues that we were faced with from the realtor side, he worked with me for resolution. This was a transaction that may not have been completed without Dan's support. With Dan's expert knowledge of mortgage rates, trends, and fluctuations, he was able to lock in one of the most competitive interest rates at the right time (much better than rates offered by other lenders) and we closed with a great bank and lowest interest rate that may not have been the case if Dan weren't in front of this 24/7. Whether you are a first time home buyer or experienced in the process of mortgage loan requirements, you will want a mortgage advisor who is there for you and in your best interest, and someone who has the knowledge of the industry from realty to lending and someone who will provide accurate, factual information in a relatable way - Dan is your guy! Give him a call - you won't be disappointed. I highly recommend Dan Koz and his team. I am planning on purchasing another property in the near future and the first call will be to Dan. Thank you Dan for sticking with me through this deal, securing great loan terms for me, and for your calm disposition in coaching me through my most stressful moments! read more

X Capital organized a refinance of my mortgage for me. They offered the best deal around and were very easy to work with. In addition they answered my questions without using obscure financial language. The whole process was very easy and they did most of the work. I am very pleased with my new rate. read more