Get Prequalified Online

It’s easy. And FAST.

The Digital Mortgage Process

We’re here to make the process as easy as possible, while making sure you’re informed every step of the way. We rigorously follow a “no surprises” policy, which means that you’re going to know everything you need to know, in advance, before you make a decision or sign on the dotted line.


Submit An Application Online.

We break the process into easy to follow steps, using Caliber’s Digital Mortgage Platform to automatically gather the appropriate paperwork.* Once you submit your application, the system automatically extracts and verifies all income, assets, and property valuations. No more chasing endless lender requests for “more stuff” — our technology does the work for you.



We get to know you — really. You’re not just a bunch of numbers. You’re a person with hopes and dreams, and most likely a set of goals you’d like to achieve. Our mission is to help you accomplish exactly what you’d like to, and present realistic solutions and choices. As part of this discussion, we’ll run a pre-qualification analysis so you know how much you can finance, and the tradeoffs between various types of loan programs.


Digital Asset Verification.

We’ll break the application process into easy to follow steps. We’ll even use Caliber’s Digital Mortgage Platform to automatically gather the appropriate paperwork.*


Guidance and support from experts.

We’ll match you with an expert mortgage coach/loan officer who will give you the accountability, direction, insight and support you need, every step of the way. We’ll get your loan done, so you can move on to the next phase of your life.


Backed by Caliber. Proven with happy clients.

Our process has been proven with thousands of clients. We’re consistently tweaking and simplifying our lending process based on the latest programs, rates and technology.


100% Guaranteed.

You’ll get the best loan you can qualify for, at a competitive rate. If you’re not satisfied after your loan closes, we’ll refinance your next loan at no charge.**


Competitive rates. Always.

Our mission is to match you with the right mortgage at the lowest rate possible. Because we’re a unit of Caliber Home Loans, we have access to an enormous portfolio of loan products, from first-time home buyer programs to super jumbo mortgages, as well as FHA and VA loans. (We‘re also frightfully competitive with every online lender. But since we’re real people, we pick up the phone and talk to you about what’s best in your situation.)


Eternal love.

Now that you’re all nice and financed, our work doesn’t stop. We’ll continue to review your loan, to ensure that it’s still competitive in the ever changing world of mortgages. Sometimes, even a half point can save you hundreds of dollars a month, and we know that puts real money in your pocket. After all, this is about you and building wealth, so we’re on it. Always.

* Not all clients will qualify for Caliber’s Digital Mortgage Platform. You must be employed as a W-2 employee, and certain conditions apply. But never fear — we’ll make it easy.
** If you’re not completely satisfied, we’ll reimburse you for the appraisal fee.

Get the right mortgage for your life and financial goals with help from our mortgage coaches.

Make 2017 your year to buy your first home, improve your financial outlook and say good bye to renting forever.

Quit Renting. Forever.

According a recent study by Trulia, buying is cheaper than renting in 100 of the largest metro areas (including the Washington, DC area) by an average of 37.7 percent. That’s because owning a home is like having a forced savings account. Instead of paying a landlord, you pay yourself by paying down a mortgage on a home. Besides, you pay for housing whether you rent or buy — so why not have the roof over your head build your wealth?

Owning your home changes your life.

Over the past 15 years, we’ve helped more than 1,000 people get more than $1 billion in mortgages. We’ve watched our clients buy their first home, then move on to their second and third. We’ve watched their families grow, along with their bank accounts. Study after study has proven that owning your home is the single smartest move you can make in your financial life.

Long-term strategies to help you build wealth.

We might be preaching to the choir, considering that you’re thinking about buying a home. But perhaps you need a few more reasons to feel good about your decision to buy:

Fixed Payments

Mortgage payments can be fixed even as rents go up. When you have a fixed rate mortgage, your payment will never go up — even if the market skyrockets, you’ll be sitting pretty.

Build Equity

Equity can be a terrific financial resource down the line. Home equity is the largest source of wealth for the vast majority of Americans. The sooner you buy, the more equity you can build.

No Capital Gains

You can build wealth without paying capital gains — depending on your filing status, the first $250,000 (single) or $500,000 (married) in gains on the sale of a home is tax-exempt.

A Home is an Asset

Homeowners tend to be wealthier than renters, since a home can be an asset with equity, instead of a liability.

Take a small step today to build your wealth through homeownership.

Work with mortgage coaches who care about you.

If there’s one thing we know about this business, it’s that it’s all about YOU. It’s not about us. What counts to us is what you want to achieve.

We’ll explore options with you that you may not even realize you have. For example, you may need to put less money down than you think. Or, you may need some honest advice about how to heal your credit. Or maybe you’re self-employed and have complicated taxes.

Everyone’s situation is different. Our job is to get to know you, and present the very best options we can so you can achieve your goals.

John Downs


“I’ve devoted my entire career to making long term financial health achievable and attainable for every type of person, from every walk of life.”

John Downs is the founder of Downs Capital, a unit of Caliber Home Loans. He’s one of the country’s top mortgage loan officers, and has personally written more than $1 billion in loans for clients from all walks of life, from first time home buyers to multi-million dollar loans for investors and CEOs of Fortune 500 companies. John is passionate about helping everyone build wealth throughout their lives, using the proven techniques and insights he’s developed throughout his career.

People are Talking

Here are just a few of the 1,000+ clients who’ve improved their financial security over the past 15 years, just by buying a home.

“Five Stars is an understatement!”

I cannot begin to explain how amazing Louis was during the process of financing my new mortgage. I never felt that I was out of the loop or just another client. My service was personable and genuine! He was with me from the first phone call to discuss my options to closing, literally at closing making sure that I had everything I needed. Five stars is an understatement!

Chelsea W.

Andrews, MD

“Look no further…”

If you need to get a mortgage in a DMV area, then look no further. These guys are awesome – they work closely with you to figure out all your options and make sure you understand the implications of all the options. Very responsive when you have questions and work with you throughout the process . I cannot imagine anyone else being this great to work with. Highly recommended.

Ashwini J.

Washington DC

“Highly recommend.”

Josh and John were awesome. They were incredibly responsive and made getting a mortgage as easy as possible. Several of my friends have had the same experience. Highly recommend.

Sean D.

Washington, DC

How much will it cost?

We’re paid a flat percentage of your loan amount. It’s the same percentage regardless of what type of mortgage you get, and we don’t earn any bonuses for getting you a bigger loan or a certain type of mortgage. It’s fair and transparent, and we are governed by Caliber Home Loans’ stringent professional, ethical and legal standards, as well as the Consumer Finance Protection Board.

A Final Note…

Whether you’re a first-time home buyer or the most experienced homeowner or investor known to man, we think we have something in common with you.

If you’re like us, you want to speak to a real person. You don’t want to go to a call center or spend hours filling out forms online — or worse, faxing ancient bank statements to some distant processing center to a name you don’t recognize.

You want answers when you need them, and advice when you want it. You want honesty, clarity and to know that the people you’re working with care about you.

You want old-fashioned expert service in a new-fangled world. But you don’t want a bunch of unnecessary calls, texts or automated marketing.

You want what you want, when you want it, to get something done. You want to speak to people when you need them, and online access to your transaction 24x7x365 when you just want to see what’s going on.

That’s what Dows Capital is all about.

We’re creating a new world for mortgage lending, one loan and one client at a time. We leverage technology to serve our clients, but never lose sight of the fact that for many people, getting a mortgage is the largest financial transaction they will ever make.

That’s why technology will never replace people and relationships at Downs Capital.

We’ve dedicated our professional lives to helping people like you achieve financial well-being and long term wealth through homeownership.

If you’re interested in working with us, take a small step today and set up a consultation to talk to one of our mortgage coaches, at no cost or obligation. We’ll set up an appointment that works for your schedule. Let’s find out how we can help.

The next step is up to you.