Fix Capital Source

Client Reviews & Frequently Asked Questions

Client Reviews

Trusted by 15,000+ Americans.

Real stories from real clients — verified across Google, Trustpilot, and the Better Business Bureau.

★★★★★

"We closed on our first home in 19 days — three weeks faster than the quote we got from Chase. Sarah, our advisor, called us every Friday with status updates. Genuinely the easiest financial decision we've ever made."

Jennifer Martinez

Austin, Texas · Home Loan

★★★★★

"After a divorce tanked my credit to 580, I thought I'd be renting forever. Their credit repair team got me to 712 in four months and I closed on a condo in Phoenix six weeks later. Life-changing."

Robert Thompson

Phoenix, Arizona · Credit Repair + Mortgage

★★★★★

"I run a small manufacturing business in Ohio and needed an SBA loan fast. Fix Capital Source got me $1.2M approved in 11 days. My local bank quoted me six weeks and wanted double the documentation."

David Kim

Columbus, Ohio · Business Loan

★★★★★

"Bundled our auto, home, and umbrella liability insurance and saved $1,840 a year — same coverage, better carrier. The annual review caught a coverage gap on our rental property that I'd missed for three years."

Amanda Patel

Denver, Colorado · Insurance Bundle

★★★★★

"I'm 58 and behind on retirement. Their advisor rebuilt my 401(k) allocation and added a Roth conversion strategy that the big brokerage never mentioned. Portfolio up 22% in fourteen months and I finally have a real plan."

Michael Williams

Atlanta, Georgia · Retirement Planning

★★★★★

"As a self-employed contractor my income looked chaotic on paper. They structured it properly, found me a non-QM mortgage at 6.1%, and even coordinated my LLC tax strategy. Worth every minute of the consultation."

Lisa Chen

San Diego, California · Mortgage + Tax

Frequently Asked Questions

Answers, Before You Ask.

Straight answers to the questions Americans ask us most. Don't see yours? Call (325) 651-1361.

We are fully licensed in all 50 states and the District of Columbia. Whether you're buying a co-op in Manhattan, refinancing a ranch in Wyoming, or financing a startup in Seattle — you'll work with the same dedicated advisor for life.

Our average is 21 days from application to closing, compared to the industry average of 47 days. Pre-approvals are issued within 24 hours of receiving your documentation. Complex files (self-employed, jumbo, non-QM) typically take 28-35 days.

No. Every initial consultation — loan pre-qualification, insurance audit, portfolio review — is free with no obligation. We earn only when you choose to move forward with a product, and every fee is disclosed in writing before you sign.

Conventional loans typically require 620+, FHA loans accept 580+ (and sometimes 500 with 10% down), and VA loans have no official minimum but most lenders want 580+. We also offer credit repair services that have helped clients gain 60+ points in 90 days.

Investment management starts at 0.65% of assets under management, declining to 0.45% above $1M and 0.35% above $5M. We are fiduciaries — we legally must act in your best interest. We never earn commissions on investment products we recommend.

Yes. Bundling auto and home typically saves 14%, and adding life insurance pushes the discount to 22%. We shop 40+ A-rated carriers (AM Best A- or higher) to find the strongest coverage at the lowest bundled price.

Your data is encrypted in transit (TLS 1.3) and at rest (AES-256), stored in SOC-2 Type II certified infrastructure, and never sold to third parties. We retain application data for 7 years per federal financial regulations, then permanently purge it.

Absolutely. We specialize in non-QM loans, bank statement programs, and asset-depletion qualification for freelancers, contractors, business owners, retirees, and foreign nationals. If your tax returns don't tell your whole story, we have a program that will.