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About Us

Your Local Texas Hard Money Lender

Capstone Capital Partners, LLC

Hard Money You Can Trust

Capstone Capital Partners, LLC is a Direct Private Lender with a trusted network of seasoned private individuals who lend on first lien mortgages in Texas. Capstone originates, processes and closes all loans in-house and along with our in-house Loan Servicing Company (Walter Servicing). Together, we have decades of lending and real estate experience. With our combined experience our team has closed and funded over 500M in loans for both traditional and private funding transactions. The Capstone team has developed a unique and innovative business model for private lending that makes it a smooth and transparent process for both our borrowers and lenders.

Capstone offers both traditional Hard Money and Soft Money lending programs as well as an Alt-A prime lending model. Our focus is to offer speed and ease of financing combined with competitive pricing for private capital. We believe you will appreciate our common sense approach to lending with our friendly experienced staff. Most importantly you want a private lender that you can trust to get you to the closing table and Capstone strives for this reputation.

Our Executive Team

Ray Walter

Ray Walter


In lending the business for over 16 years, Ray Walter has an extensive back-round in the mortgage lending industry. Before founding Capstone Capital Partners, Ray helped establish, build and operate two other successful private lending models in the Austin region. In 2007, Ray founded Walter Servicing Corporation, a private lending loan servicing company that has serviced over 100M in private loans since its inception. Through ups and downs of the real estate cycles, Ray has learned the value of preserving & staying prudent while maintaining and keeping a common sense approach to private lending. Overall, Ray has closed and funded over $400M (Residential & Commercial) in both traditional and private lending transactions in his career.

Both companies, Capstone Capital Partners, LLC and Walter Servicing Corporation are members of the Better Business Bureau with “A” Ratings. Ray and his wife Kayla reside in Austin with their 3 children.

Jeremy Pate

Jeremy Pate

Loan Processor/Closer

Jeremy Pate, our Senior Loan Processor and closer, has over 20 years of experience in the mortgage lending industry. At Capstone, Jeremy handles a majority of the ongoing communication with both our borrowers and lenders on every new loan closing while helping to ensure a successful closing each time. Jeremy is a joy to work and is very proficient in processing, originating, ordering loan documents, and scheduling all of our closings with Title Companies.

With his amazing people skills and extensive mortgage experience, Jeremy, is a valuable contribution to the Capstone Team. Jeremy is also actively involved with his church and serves frequently. Jeremy graduated from Lamar University in Beaumont Texas with a degree in Mass Communication with a minor in Business. He is an avid golfer and enjoys the outdoors.

Dorothy Horton

Dorothy Horton

Operations Manager

Dorothy Horton is the Operations Manager for Capstone Servicing Corp and has been with the Captone Companies since 2005. Dorothy oversees the daily business operations including Loan Servicing, Bookkeeping, Human Resources, Payroll and Office Management. Dorothy is a real gem and has worked in several departments bringing a very thorough knowledge to all sides of the business. After very successfully working her way up through the company, Dorothy took on the operations manager role at Capstone Servicing and has been a true asset ever since she started back in 2005. Dorothy has worked closely with borrowers and private investors over the years and works very efficiently handling a majority of the operations of Capstone Servicing. Prior to moving to Austin, Dorothy gained experience in Loan Processing while living in Monterey, CA.

Her background includes Banking, Human Resources, Benefits Administration, Payroll and Executive Administrative work. She attended University of New Mexico and University of Phoenix majoring in Business Administration.

Melanie Miller

Melanie Miller

Administrative Support

Melanie originally started with the Walter Companies (currently known as Capstone Corporation) in 2006 and handles the monthly collections from our borrowers and the corresponding interest disbursements to our lenders. Melanie also handles all of the weekly construction and renovation draws and works almost daily with our builders as well as our lenders in providing clear updates and oversight to our construction projects.

Melanie began her career in banking specializing in credit and lending eventually becoming Executive Secretary to the VP. She left banking for retail where she quickly became the Shop Director for a popular retail store. After 5 years in retail management, she began managing large multi-family complexes. She was an Assistant Manager for one of the southwest region’s largest real estate offices in Santa Fe, New Mexico. Melanie has diverse experience and a wide range of knowledge in Banking, Real Estate Investing, and Retail Management.

Reach Us

If you would like a rate quote, please call us or fill out this short form to the right and someone will get back to you shortly. If you need a full loan approval, please fill out our Loan Request Form.

507 Denali Pass, Suite 401

Cedar Park, TX 78613


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