David Capretta - Loan Factory

09/09/2025

Can't beat them, join them!

Elevate your career with Loan Factory's unbeatable rates and unparalleled benefits.

Discover your path to success with us.
Factory

08/13/2025

🏡 Thinking of waiting for home prices to drop?
Here’s the truth:
📉 Prices might dip slightly… but the real game-changer is your interest rate.

Lower your rate by just 1% and you can afford 10% more home — without increasing your monthly payment.

💡 Example:
At a $3,160 monthly payment…

6.5% rate = $500,000 home

6.0% rate = $527,000 home

5.5% rate = $556,000 home

That’s the power of the right mortgage strategy.

✅ Stop waiting for the “perfect” market.
✅ Start focusing on getting the best rate possible now.

📲 Call/Text: (561) 221-9390
📩 DM me to see how much home you could afford today

Your dream home might already be within reach. Let’s find out.

08/10/2025

🚀 NEW Loan Program Alert: ZERO FLEX 🚀

Dreaming of homeownership but think you can’t qualify? Think again.
With ZERO down payment and flexible guidelines, the Zero Flex Program can make it happen.

✅ Ideal For:
• First-time or repeat homebuyers
• Those with less-than-perfect credit

🔥 Features You’ll Love:
• $0 down payment
• Low mortgage insurance
• No income limits
• Accepts lower FICO scores
• Competitive 2nd mortgage rates

💡 Whether you’re just starting your home search or ready to make an offer, this program could be the game-changer you need.

📲 Call/Text me at (561) 221-9390
📩 DM me to check your eligibility
🌐 loanfactory.com/davidcapretta

Unlock homeownership today. Let’s make it happen! 🏡

08/09/2025

🚫💸 Stop Paying Your Landlord’s Mortgage — Start Building YOUR Wealth! 🏡

When you rent, you get:
❌ No stability (rent can go up anytime)
❌ No tax benefits
❌ No return on investment

When you own, you get:
✅ Equity that grows your net worth
✅ A stable monthly payment
✅ Freedom to customize your home
✅ Long-term financial security

📲 Let’s get you into your OWN home this year!
📞 (561) 221-9390 | [email protected]

08/08/2025

🏠 Florida Hometown Heroes is Back for 2025! 🚨

If you’re a teacher, first responder, healthcare worker, childcare provider, public safety staff member — or a veteran — this is YOUR year to finally own a home where you serve.

✅ Up to $35,000 toward your down payment & closing costs
✅ 0% interest – pay it back only when you sell or refinance
✅ No doc stamp or intangible tax – more savings in your pocket
✅ Works with FHA, VA, USDA & Conventional loans

💡 Funding is limited in 2025 — and last year’s money went FAST.
Get pre-qualified now so you’re ready when applications open.

David Capretta offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers. Contact (561) 221-9390

08/08/2025

🚨 Jobs Report Shakes Up Rates 🚨

July’s jobs report came in much weaker than expected — and prior months were revised down by 258K jobs. Bonds rallied on the news, pushing mortgage rates to their best levels in 10 months.

📉 30-year fixed avg: 6.63% (down from 6.72% last week)
~ P.S: We are not average
📊 Fed rate cut chances for September jumped from

08/07/2025

🚪 Your Step-by-Step Path to Homeownership 🏡✨

Buying a home doesn’t have to be overwhelming — here’s your 10-step roadmap:

1️⃣ Get Pre-Approved
2️⃣ Choose Your Agent
3️⃣ Find Your Dream Home
4️⃣ Make an Offer
5️⃣ Negotiate & Sign Contract
6️⃣ Home Inspection
7️⃣ Appraisal
8️⃣ Title Commitment
9️⃣ Clear to Close
🔟 Sign, Close, & Get the Keys! 🔑

💡 I’ll guide you through every single step so you can buy with confidence.

📲 Ready to start your journey? Let’s talk.
📞 (561) 221-9390 | [email protected]

08/05/2025

🏡 Turn Your Home’s Equity into CASH! 💰

Need 💵 for renovations, debt payoff, or big goals?
You’ve got 3 powerful options:

✅ HELOC – Flexible, borrow as needed
✅ HELOAN – Lump sum, fixed payments
✅ Cash-Out Refi – New mortgage + cash in hand

📲 Let’s see which one puts the MOST money in your pocket!
📞 (561) 221-9390 | [email protected]

07/30/2025

See how we compare

https://www.loanfactory.com/davidcapretta

07/25/2025

I'm thrilled to announce my team's acceptance into the Loan Factory family!

With over 240 wholesale lenders to shop at once, world-class integrated support and communication systems, it is not wonder Loan Factory feels bold enough to make this kind of guarantee! Unreal!

(The pricing provided is subject to change, 2% commision built into pricing, can be adjusted on a case by case basis to be more competitive as needed)

If you are an experienced loan officer in South Florida with a reliable book of business, this is where you're ultimately going to end up.
Come join me and enjoy!

- No monthly fee
- 100% commission -$595 Admin fee
- Margin to be competitive
- More lenders and programs to choose from than you'll ever need.
- Hassle-free processing (only $500)
- One user-friendly site for the entire loan process

Realtors I am looking for an office to occupy/rent as the in-house lender. We are remotely located in Broward. Service all of Florida, Utah, Alabama.



David Capretta
https://www.loanfactory.com/davidcapretta
https://linktr.ee/DavidCapretta in bio

06/13/2025

🚨 Mortgage Solutions That Actually Fit Your Life 🚨

Whether you're self-employed, investing in real estate, buying your first home, or just tired of hearing "no" from traditional lenders—I’m here to find a yes that works for YOU.

✅ Need to use your bank statements instead of tax returns? No problem.
✅ Looking to grow your investment portfolio? I’ve got options.
✅ Don’t have standard income documentation? You still have choices.
✅ ITIN borrower? Foreign national? Let’s talk.
✅ First-time buyer or seasoned investor? I can help either way.

No cookie-cutter loans. Just real solutions that make homeownership or investing possible—no matter your story.

📲 DM me or email
Let's find the right loan for your life.

—
David Capretta
Loan Officer | NMLS #2031906
📞 561-221-9390
📧 [email protected]