Welcome to Red Rock Home Loans!
I’m Dave Capra (NMLS#291594), President of Red Rock Home Loans. With over 14 years of Broker and Direct Lending experience, my company and I have the knowledge and lending connections to assess your current situation, and offer a very competitive set of terms combined with unbelievable A++ service that you and your family deserve.
Your top mortgage questions, answered
Common types include conventional loans, FHA loans, VA loans, USDA loans, fixed-rate mortgages, and adjustable-rate mortgages. Each type has its own eligibility requirements, benefits, and drawbacks.
A fixed-rate mortgage has a constant interest rate throughout the loan term, leading to predictable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, causing fluctuations in monthly payments.
Pre-qualification provides an estimate of how much you might be able to borrow based on the information you provide. Pre-approval involves a more thorough review of your financial situation and credit history, resulting in a conditional commitment from a lender.
While it may be more challenging to qualify for a mortgage loan with bad credit, there are still options available. Government-backed loans like FHA loans may have more flexible credit requirements, and some lenders specialize in working with borrowers with less-than-perfect credit.
What our clients are saying
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David is a real pro and so helpful throughout the process. Always ready and available to discuss and answer questions, and I’m pretty sure he works 24hrs a day.
Michael M.
I've been working with Dave at Red Rock for about 8 years now. As a real estate agent, I've had the opportunity to work with dozens of lenders and after... read more
Mike C.
We couldn’t be happier with the personal service we received from Red Rock Home Loans. Should we ever wish to do another VA streamlined Re-Fi, Red Rock is where we’ll... read more
Mark B.
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Red Rock, ROCKS! Dave Capra is the most attentative loan processors I've ever used, and I've been in the buying/refinancing process for the last 24 years. He is... read more
Ray G.
Was very responsive, detail oriented and informative. Great experience.
Jonthan S.
There are lots of home mortgage companies out there, but not all are created equal. I had the pleasure to work with Dave on my VA refinance and was blown... read more
Robert S.
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Great rates, great service, extremely quick yet thorough, and an overall great experience! My consumer rating A+
Christopher P.
My husband and I just purchased our First home and Dave was our Broker and he was Amazing! Red Rock made our 1st Home buying experience worth it. Dave treated... read more
Sheri C.
My wife and I have had the good fortune of choosing Red Rock Homes Loans, Inc. as our company of choice when we have refinanced our home. We have been... read more
Robert L.
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Absolutely first rate! Dave has several quick, simple options that make this process as painless as possible! He keeps his word, and works fast! Trust Red Rock... read more
Dan H.
Dave Capra is great to work with and I can't recommend him enough.
John W.
It was a pleasure dealing with Dave to refinance our home. He was very responsive with all of the questions we had, even worked late evenings and weekends to get... read more
Easton P.
