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Welcome to New Capital Finance!

Buying a new home and finding home loans

Buying a new home can be one of life’s more exciting chapters, but there’s also the financing part of things…

You know… the mortgage—the pre-approvals, endless paperwork, the deliberately confusing terms, the sharing of your underwear size, endless fine print and hidden GOTCHA’s—let’s just say a lot of people would rather get a ROOT CANAL at the DMV.

Our NewCap Family likes to think we’ve found a better way.

Mortgage Brokers Who Care

What if you could work with someone who…
actually has your best interests in mind?
wasn’t wearing a neck-tie so tightly their head was swollen up?
spoke plain English and pretty much acted like a good friend… except with a specialized set of skills, contacts, knowledge and a desire to help you out?

What if they weren’t bound to sell you on the particular offer their company had available, but instead were positioned to help you find the absolute best home loan, mortgage, line of credit or refinance available for your situation… from a huge array of options available on the market?

Cappy Finds the best mortgage offerings!

Cappy the Mortgage Sniffer
Meet our secret Home Loan weapon

Ok, we confess… the truth is that we’ve trained our top secret asset to sniff out the cash. That’s right, “Cappy” literally sniffs out the best offering for a given situation. Talk about man’s best friend! Here’s a quick shot of our little show-off… we call this his “success walk”.

Our Secret Weapon... Cappy the Mortgage Sniffer

Cappy’s pretty cool, don’t you think? We’ve decided he’s too good to keep to ourselves, so now he’s eager to help YOU out next! So if you’re a first time homebuyer, wondering how much home you can afford, looking to finance your forever home, or maybe just looking for a refinance or home equity line of credit… now Cappy can be YOUR best friend, too!

Give us a shout if you are one of the many who instantly knows Cappy and New Capital Finance is exactly who you want to work with!

For everyone else… we await your stern, yet fair admonishment of our tactics. Either way, take a moment right now and give us a quick call!

New Capital Finance Reviews

Words from the people we’ve helped!
  • Connor and his team are absolutely amazing to work with! They are very communicative and respectful of thier client's needs and wishes while also being sure to answer any and all questions in a timely manner. I would absolutely recommend Conner and his team to anyone. They will help you every step of the way!

    summer burns Avatar summer burns
    September 18, 2022

    Great job! Mike was there thru the whole process. Mike Ho treated me like family and made me feel comfortable with my purchase!

    Robin Ellison Avatar Robin Ellison
    April 6, 2022

    As a first time home buyer, I want to give my gratitude to Mike Ho. He was more than just a lender and rather, it felt like I was conducting business with a close friend. His availability for me to call or text him questions and able to give me professional advice and educate me on processes that I don’t know much about. He always gave me updates on the process and break down some numbers to help me make my decision a lot easier. I would highly recommend Mike as your lender

    Jeffrey Huynh Avatar Jeffrey Huynh
    June 6, 2022
  • My fiancé and I worked with Thomas to close on our first house. He made the process extremely easy, he worked with the sellers agent to reassure them that we were pre-approved and ready to close. I would send him messages after normal work hours and he would always respond and never leave us hanging. We continue to refer all of our family and friends to Thomas. He is very easy to work with and a good guy. I highly recommend him and know that every single person we send his way he will treat them like Gold. Thank you Thomas!!!

    abe micijevic Avatar abe micijevic
    September 10, 2020

    Thomas is amazing. As a Realtor, I recommend him to my clients because I know they will have a fabulous experience. Thomas truly goes above and beyond for our clients. Naturally, he was the person I called when it was time to refinance my own home. The process couldn't have been more simple and I'm incredibly pleased with my new interest rate. Thanks once again for knocking it out of the park, Thomas! You're the best!

    Jenna Leeder Avatar Jenna Leeder
    September 10, 2020

    I was referred from my Realtor about inquiring about getting a home mortgage refinance and I am very happy that I did. I worked with Thomas Frank on getting a refinance and the process was easy. Thomas was available pretty much all hours of the day so if I had a random question I could easily get in contact with Thomas and he would get me an answer in a matter of minutes. He walked me through all the steps for getting a refinance for our home in a matter of days. Thanks to his help I was able to secure an excellent loan terms and was very impressed and happy with the terms of my new home loan. =D

    Jared G Avatar Jared G
    September 10, 2020
  • Lissette did amazing on my loan process. Not only is she professional but had patience with me. If you ever need someone she is the one.

    wendy acevedo Avatar wendy acevedo
    June 6, 2022

    Thomas Frank was a rockstar throughout my refinance process. He handled everything professionally and promptly and is very personable to boot. Anything we needed to figure out, he was on it. I highly recommend his services!

    Rebecca Switzer Avatar Rebecca Switzer
    September 10, 2020

    Thanks Thomas for getting us refinanced! Pretty excited to be pretty much debt free except the mortgage and 1 vehicle payment. Get those knocked out and possibilities are endless! If you like quick, easy and professional; Thomas will be the perfect fit. Keep up the good work!

    Sean Jenkins Avatar Sean Jenkins
    September 10, 2020
  • Thomas was extremely helpful in helping me secure a loan on my first home. He was very concise when explaining how things worked and I got an excellent rate. I would 100% reccomend him and capital finance to anyone.

    Ryan Reynolds Avatar Ryan Reynolds
    September 10, 2021

    I have nothing but positive things to say about Thomas and this company! His communication was fast and he got us pre-approved in no time. Once we went into contract on our home, we closed in 3 weeks no problem. Highly recommend!

    Chelsea Davis Avatar Chelsea Davis
    October 11, 2022

    Thomas and his team were amazing. Thomas definitely goes above and beyond. He stayed in communication throughout the process and was so patient in answering all of my questions and always responded quickly. I highly recommend Thomas at New Capital Finance!

    Christy Richter Avatar Christy Richter
    September 10, 2021

First Time Home Buyer?

Read Our Home Buyer’s Guide!

Learn about the various loan types available when purchasing your new home.
Questions? Call any time!

Home Loan and Mortgage Refinancing Services

First time home buyer gets a successful loan


Down payments starting at 3% with 620+ credit score

FHA home loan closed

FHA Loans

Down payments starting at 3.5% with 600+ credit score

USDA home loan with a happy ending

USDA Loans

0% down payment with 640+ credit score in designated rural areas

VA loan brokers

VA Loans

0% down payment with 600+ credit score for eligible military veterans

Refinance mortgage for home improvement or debt consolidation


Mortgage refinancing programs for PMI removal, rate reduction, debt consolidation, home improvement, or “cash out”.

Looking to refinance mortgage?

Learn how refinancing can help you save money!

Meet Some of our Mortgage Brokers

Our Friendly loan officer ProfessioNals
Photo of Loan Officer Thomas Frank

Thomas Frank

NMLS# 14017

(303) 341-4318

Photo of Loan Officer Connor Alcock

Connor Alcock

NMLS# 2019164

(720) 442-8388

Photo of Loan Officer Mike Ho

Mike Ho

NMLS# 1982523

(720) 580-3058