Built for the Borrowers Banks Decline.

CapitalSource is a structured home equity lending platform operating as both a mortgage brokerage and direct lender. We exist for one purpose: to serve borrowers who have genuine financial strength and have been turned away because of how they document income.

We don't chase volume. We specialize deliberately and exclusively in HELOCs, cash-out refinances, and reverse mortgages structured through non-QM qualification programs that conventional banks don't offer. The result is a lending platform that can genuinely solve what others can't.

Our philosophy

Equity First

Every solution is structured around the borrower's actual financial position led by asset strength, equity, and property value. We build responsible leverage, not reckless exposure.

Structure First

We design lending solutions with disciplined frameworks, clear terms, and deliberate risk management. Our clients understand exactly what they're entering and what the outcome looks like.

Clarity First

Finance should never feel opaque. We communicate transparently, define expectations early, and remove complexity from the process so clients make confident decisions.

William Oh Founder & CEO

William Oh is a seasoned mortgage professional with over 20 years of expertise in the non-traditional (non-QM) lending space, specializing in residential and investment real estate financing. He works exclusively with self-employed business owners and clients who may not have traditional or verifiable income documentation. William takes a long-term, hands-on, and strategic approach carefully analyzing each client’s financial profile to craft mortgage solutions that align with their goals. Whether it’s guiding entrepreneurs through cash-out refinances to fund business growth, helping freelancers and gig workers purchase a home or investment property, or arranging home equity loans and reverse mortgages for retirees, he ensures every client moves forward with clarity and confidence. With a proven track record in the non-QM market, William Oh has become a trusted resource laser-focused on helping self-employed professionals, real estate investors, and borrowers seeking smart, flexible, and personalized mortgage solutions.

If you've been declined by a conventional lender or want a second opinion on your equity options, this is where to start.

CapitalSource is a dba of EquitySource.
EquitySource operates as a mortgage broker and direct lender licensed by the California Department of Financial Protection and Innovation (License No. 60DBO-112262) and the California Department of Real Estate (Broker License No. 02111255).
NMLS ID 1936121.

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