Mortgage Broker in Tulare County: Get Your Free Home Loan Game Plan in 24 Hours

Since 2006. 50+ lenders competing for your loan. One local team that actually picks up the phone.

Commercial Loans: Fund the Deal, Keep Your Cash Working

Equipment, expansion, or a property purchase. A commercial loan gives your business the capital it needs without draining your operating cash. We shop 50+ lenders so you see real options, fast.

Show Me My Commercial Options

Hard Money Loans: Close Fast, Win the Deal

Found a property and the clock is ticking? Hard money is asset-based funding built for speed, backed by the real estate. Tell us the deal and we’ll tell you if it works.

Check My Hard Money Options

Residential Loans: Buy, Refinance, or Tap Your Equity

Buying your first home or your next one? Refinancing? We match you with the right loan (FHA, VA, conventional, or jumbo) and walk you through every step.

Find My Home Loan

A wide, interior view of the spacious and welcoming Direct Capital Lending office, featuring a clean workspace, a small model house on display, and team members assisting clients.

Welcome to Direct Capital Lending!

Your Local Mortgage Broker With 50+ Lenders in Your Corner

Since 2006, we’ve helped families across Tulare and Kings Counties get into their homes. We also help investors and business owners fund their next move.

Here’s the difference. A bank gives you one option. We give you dozens. Fifty-plus lenders compete for your loan while we handle the paperwork, the follow-ups, and the “what does this mean?” questions.

When you work with us, you get:

Your Free Home Loan Game Plan in 24 hours
A free credit review with a clear list of what to fix first
A 16–21 day average closing, so you’re not left waiting
Straight answers in English or Español

Call My Loan Team: 559-920-2904

Meet My Mortgage Broker

5 Stars MortGage Broker

Don’t Take Our Word for It

Real families. Real Google reviews. See what they say.

    
 
 
       Posted on Google  
   
   Jose Guido 
 
 
 
 Trustindex verifies that the original source of the review is Google. El mejor lugar para comprar o refinanciar tu casa es una compañía muy profesional comprometida con sus clientes en cumplir sus metas de tener una casa dando siempre el asesoramiento y apoyo profesional ético y de calidad
Más aparte su personal siempre profesional y efectivo dispuesto a ayudar y con un gran líder Aldo Gutierrez una persona muy profesional de gran calidad humana en fin mi confianza y recomendación 100% es para esta compañía la número 1 del valle central y de cualquier lugar
  
 
      Posted on Google  
   
   Lorena Alvarado 
 
 
 
 Trustindex verifies that the original source of the review is Google. Aldo is the best in the game, him and his team made sure i was always set and didn’t have to worry about anything because I was dealing with professionals who knew what they were doing the whole time through !
  
 
      Posted on Google  
   
   Maria Fernanda Arechiga 
 
 
 
 Trustindex verifies that the original source of the review is Google. The team at Direct Capital Lending helped my family buy our first home. They helped us find something in our budget. His team was available to answer any questions and guided us through the home-buying process. They made the home-buying process easy.  We are grateful for the help we received.
  
 
      Posted on Google  
   
   Armando Oseguera 
 
 
 
 Trustindex verifies that the original source of the review is Google. Aldo and his staff were great to work with. He’s very knowledgeable and always makes himself available to answer questions throughout the process. I highly recommend Direct Capital Lending when seeking a home loan.
  
 
      Posted on Google  
   
   Fidel Rodriguez 
 
 
 
 Trustindex verifies that the original source of the review is Google. Direct Capital Lending was exceptional in refinancing my home. Aldo and his team helped me secure a better rate, saving me money while providing outstanding service. Their expertise and dedication made the entire process smooth and stress-free. I highly recommend Aldo and his team!
  
 
      Posted on Google  
   
   Edgar Meza 
 
 
 
 Trustindex verifies that the original source of the review is Google. Working with Aldo and his team at Direct Capital Lending was an outstanding experience from start to finish. Aldo is professional, knowledgeable, and truly committed to helping his clients succeed. He took the time to explain every step of the process and made everything clear and easy to understand. His team was just as impressive—friendly, responsive, and efficient. Together, they made what could have been a stressful process feel smooth and seamless. I highly recommend Aldo and the entire team at Direct Capital Lending !!
  
 
      Posted on Google  
   
   Bernave Castro 
 
 
 
 Trustindex verifies that the original source of the review is Google. Exelente trabajo muy satisfecho gracias
  
 
      Posted on Google  
   
   Billy Etrata 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great service and was very knowledgeable and helpful. Thank again!
  
 
      Posted on Google  
   
   Julio Ramos 
 
 
 
 Trustindex verifies that the original source of the review is Google. If you’re looking for an investor friendly loan officer, Aldo is your guy! He helped me get max value on a cash out refinance to begin my real estate investing career! Aldo and his team made this process so easy. Not only did they help me refinance, but also found me a home insurance for a small fraction of what I was paying before! Aldo and his team are great at what they do and they will go the extra mile just to see you win!
  
 
      Posted on Google  
   
   Ashley Palafox 
 
 
 
 Trustindex verifies that the original source of the review is Google. 100% recommend Direct Capital Lending for any purchases or sales! Purchased our first home through them and Aldo and his team were amazing and super helpful. Made the process super easy!
  
 
  
  
 
 
     Verified by Trustindex  Trustindex verified that these reviews were published on Direct Capital Lending's Google Business Profile. Learn more

Our Awards

Highly likely to recommend

“When we first met with Aldo, to discuss the sale of our home, he provided local comps regarding current real estate market sales. He gave us a provisional breakdown of what we would be able to sell our home for. It was right on the money.”

5 stars capital lender
Sandra and Fernando

Sold a Mobile / Manufactured home in 2015 in Bakersfield, CA.

I would highly recommend Aldo for purchasing a home.

“Prior to meeting Aldo, my credit was in bad shape. He gave me the advice to fix my credit that would ultimately help me get funded for a loan as well as find the perfect home for my children and myself..”

Arik

Bought a Single Family home in 2015 in Porterville, CA.

Great service!

“He did a good job getting me approved for my house! Definitely recommend him!!”

-Luis Solis

best capital lender in tulare

Highly likely to recommend

“I have worked with Mr. Gutierrez on several occasions, he is very professional and knowledgeable in his field. I would recommend him to any and all of my friends and family, its nice working with you Aldo. Will be doing more business with you in the future.”

-Luis Sand

Bought a Single Family home in 2013 in Porterville, CA.

Aldo is great!!!

“Let him know what you need and he will work day and night to get you what you need!!! Great guy.”

-Eddie Alvarado

experienced capital lender in tulare

I would highly recommend him

“Overall professional and has knowledgeable experience in what he does. Aldo and his team were very friendly and helpful to me and my family; when we were in the process of buying a home. I would highly recommend him to anyone that is seeking to buy.”

Melissa Perez Reyes

Bought a Single Family home in 2015 in Porterville, CA.

See Your Monthly Payment in 10 Seconds

Slide the numbers and watch the payment change. No email, no sign-up, no pressure. When you’re ready to see what’s real for you, claim your free Game Plan.

Home price

$

$50K$3M

Down payment

$

0%50%

Interest rate

%

1%15%

Loan term

years

5 yr30 yr

Monthly payment

$1,929

Principal & interest only

Loan amount $280,000

Down payment 20%

Total interest paid $214,813

Total cost of loan $494,813

Principal vs interest

Principal 57%

Interest 43%

Get a personalized rate quote →

* This calculator is for illustration purposes only. Actual payments will vary based on credit score, loan type, taxes, insurance, and other factors. Contact us for a personalized quote.

Get My Real Numbers

One Team. Every Loan You Need.

FHA Loans

Jumbo Loans

VA Loans

Multi-Family Loans

DSCR Loans

Hard Money

Construction Loan

Land Loans

Member of the California Association of Mortgage Brokerage and the National Association of Mortgage Brokerage.

50+ Lenders. One Application. Options, Not a Sales Pitch.

We shop your loan across our lender network and show you the best options we can find for your situation.

Twenty Years. Same Promise: Straight Talk and Honest Numbers.

Since 2006, we’ve built our name on integrity, honesty, and consistency, one family at a time.

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