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 started his career in the mortgage lending business in 1998 when he moved from Orange County, Ca to Austin, TX to work with Countrywide home loans. After 3 years, Ray utilized his skills and experience learned at Countrywide and launched out into his own successful conventional mortgage lending venture. In 2006 Ray and his team changed their lending focus to funding private loans for real estate investors (hard money). Today, Capstone Servicing Corporation, Capstone Capital Partners, LLC and the Capstone Fund, LLC have managed and serviced over 200M in private loans since their inception.
With decades of mortgage lending experience, Ray and his team have kept the value of learning from past mistakes and applying wisdom to grow stronger through the many up and down real estate cycles in the past 20 + years. Overall, Ray’s team have closed and funded over $500M (residential & commercial) in both traditional and private lending transactions to date. The Capstone companies have 5 star Better Business Bureau reviews along with “A+” ratings by the BBB. Ray and his wife Kayla reside in Austin with their 3 growing children and are actively involved in ministerial leadership and giving to charitable companies that benefit the community.
Kayla Walter (wife of Ray Walter) joyfully serves as a full time mother of their 3 beautiful kids. In Her spare time, Kayla will help with business development, vision casting, special events and overall general consulting to the Capstone Companies.
With a background and education in real estate, home building, interior design, architecture, and new home consulting, Kayla is a great fit for this role. During her formative years, Kayla had the pleasure of helping her parents to grow and build an interior design & home furnishings company. She went on to graduate from the University of Texas with a Bachelors of Science Degree in Interior Design. After working in residential and commercial design, Kayla branched off into real estate in 2000. She enjoyed the privilege to work for Newmark Homes and then DR Horton Homes as a new home sales consultant.
Kayla’s passion is people. She skillfully divides her time between her family including three children in elementary school, serving on the prayer team at their church, The Austin DIG, and business development help with the Capstone team.
Chief Operating Officer
Curtis joined Capstone in 2017 with more than 30 years of experience in business-building, venture capital, investor relations, real estate, sales & marketing, construction, business development, public speaking, and operations management. He leads Capstone’s growth through loan originations, asset valuation, due diligence, asset performance, forecasting, and investment diversity. He utilizes high-value relationships to make connections, structure deals, develop solutions, and create “win-win” scenarios to achieve optimal results. In addition to a degree in Economics from the University of Texas at Austin, Curtis is proud to be a small part of the fraternity of Texas Longhorn football players as a former QB. He has served on the Board of Directors at companies in the real estate, restaurant, finance, technology, and broadcasting industries.
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.
Vice President of Lending Operations
Nicole is an Austin native and serves as Capstone’s Vice President of Lending Operations. She ensures that all lending operations are aligned, organized, processed, and closed efficiently while also assisting with loan origination. Aspiring to put 10+ years of commercial and mortgage lending experience to use in private lending, Nicole joined the Capstone team in 2019. Nicole is passionate about cultivating clear and timely communication with Capstone’s borrowers and takes pride in creating seamless closing experiences for all parties involved. Nicole lives in Cedar Park with her husband of 17 years along with three adorable, yet very energetic boys. She enjoys spending time outdoors with her family, reading, and cheering on her sons’ baseball teams. She attends Expression Church in Cedar Park where she and her husband actively serve in kids ministry. Nicole has B.S. from Texas State University.
Vice President of Business Development
John joined Capstone in early 2020 with a strong background in business development and extensive management experience at companies ranging from start-ups to Fortune 500 companies. He takes great pleasure in serving clients personally. His responsibilities at Capstone include client relationship management, capital raising, marketing, fund management, corporate communications, and business management. Raised in Turkey by Turkish parents, John loves Texas and the United States. He came here at the age of 23 and fell in love with its people; the constitution, Bill of Rights, and political system; and its history, values, and culture. He likes to say that he received two of the most important gifts in his life here: His faith in Jesus Christ and his wife, Rachel. Besides spending time with his wife, Rachel, John’s greatest passion is driving his old sports cars and sharing his passion for driving with other like-minded enthusiasts by organizing esoteric driving tours in the hill country. He has a B.S. in Mechanical Engineering and an M.B.A. from Kenan-Flagler Business School at University of North Carolina at Chapel Hill.
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.
Mindy has been in the real estate sales, leasing, and property management industry for more than 25 years. She holds an active Texas Real Estate Broker’s License and serves as our Asset Manager. Mindy is responsible for overseeing asset management in Capstone’s loan portfolio across the state of Texas. She appreciates working directly with lenders and borrowers while bringing her decades of diversified property management experience and skills to our team. As part of her duties, Mindy regularly conducts site visits and meets with contractors, builders, and vendors. In addition, she oversees the collection of payments from borrowers. She is also responsible for managing the proper disposition of foreclosed properties when they occur. Mindy purchased her first rental property in 2003 and has been an active landlord since. Mindy moved to Austin in 1994 to go to school and entered the real estate and lending sectors at the young age of 17. Outside of work, her passions are camping, RV traveling, and hiking with her black lab.
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.
Loan Servicing Coordinator
Jennifer joined the Capstone family in December 2019. She serves as the Loan Servicing Coordinator and is an integral part of our team. She services all aspects of loans, from insurance to draw requests, and strives to ensure that everyone receives only the highest level of care and service at Capstone Services through the maturity of each loan. Before joining Capstone, Jennifer was an Executive Assistant at a wealth management company in Austin. Jennifer was the primary point of contact for all client communications and advisor meetings along with services related to financial accounts and business processing. Prior to that position, Jennifer was a Financial Agent at Citigroup. Jennifer also worked in the healthcare industry for more than 15 years providing administrative and supervisorial services with exceptional customer service. As she is originally from Puerto Rico, Jennifer is fluent in speaking, reading, and writing in Spanish.
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