805-527-6000
KNB Capital · Independent Mortgage Broker · CA · TX · ID
Stop Leaving Money on the Table.
Banks show you one rate from one lender. KNB Capital shops 100+ wholesale programs to find the rate and structure that actually works for your life — not theirs.
25+
Years Originating
$200M+
Career Loan Volume
100+
Wholesale Programs
CA · TX · ID
Licensed States
THE KNB DIFFERENCE
The smarter way to borrow.
Most borrowers walk into a bank and accept whatever rate they're handed. That's not how this works. As Certified Mortgage Advisor and independent broker, We shop your file across 100+ wholesale lenders — the same lenders banks use — but without the retail markup. You get better pricing, more programs, and a loan structured around your actual goals. Not a bank's product menu.
ARIVE Platform
CIC Credit
Freddie Mac Approved
Fannie Mae Approved
25+
Years originating mortgages
100+
Wholesale programs available
$200M+
Career loan volume funded
WHAT WE OFFER
Every loan type. One call.
Banks give you one option. We give you the right one.
WHO WE SERVE
Real buyers. Real results.
Every client gets Brandon's direct attention — not a call center, not a junior processor. Your file is handled personally, from application to close, in California, Texas, and Idaho.
CATXID
First-Time Buyers
We translate mortgage jargon into plain English. Down payment programs, FHA options, and guidance from start to close — no overwhelm.
Veterans & Military
Zero down. No PMI. We specialize in VA loans and treat your benefit with the respect it deserves. Serving veterans across CA, TX & ID.
Real Estate Investors
DSCR, conventional investor, and Non-QM programs for 1–4 unit rentals, multifamily, and short-term rentals. Scale your portfolio strategically.
Self-Employed
Write-offs hurt you at the bank. Not here. Bank statement, P&L, and 1099 programs qualify you the way you actually earn.
HOW IT WORKS
From call to closing in four steps.
01
Free Strategy Call
15 minutes with Brandon. We review your goals, income, credit snapshot, and identify the programs most likely to win for your situation.
02
Same-Day Pre-Approval
Submit documents once. We shop your rate across 100+ wholesale lenders and issue a strong pre-approval — often the same business day.
03
Shop With Confidence
Your pre-approval is rock-solid. When you find the right property, we’re ready to move fast — because in these markets, sellers don’t wait.
04
Close & Fund
We handle underwriting, conditions, and every timeline. You show up on closing day ready to sign — not stressed about what might go wrong.
INNOVATION
INNOVATION
INNOVATION
INNOVATION
INNOVATION
We’re 
changing the way home financing is done bringing clarity, speed, and strategy to help you make smarter decisions with confidence.
D. Brandon Feco
Mortgage Broker · KNB Capital, Inc.
MEET YOUR BROKER
25 years. One focus. Your deal.
I started KNB Capital because I watched borrowers get overcharged by institutions that had no incentive to find them a better deal. As an independent broker, I'm legally required to work in your interest — not a bank's quarterly earnings report. I access 100+ wholesale programs through AIME and the ARIVE platform: lower rates, more flexible qualification, and a loan structured around your actual situation. Every file I touch, I touch personally. You'll have my direct number.
NMLS #297260
DRE #01319726
AIME Member
Corp NMLS #1217882
ALL PROGRAMS
100+ programs. One broker.
Conventional
30/15-year fixed, ARM options. 3% down with strong credit. Fannie Mae & Freddie Mac approved with wholesale TPO pricing advantage.
VA Loans
Zero down. No PMI. Competitive rates. Full VA entitlement expertise — funding fees, benefit restoration, and jumbo VA options for qualifying veterans.
FHA
3.5% down, 580+ credit score. The most accessible government-backed program — ideal for first-time buyers building toward homeownership.
DSCR / Investor
Qualify on the property’s rental income — not your W2s or tax returns. Ideal for 1–4 unit rentals, multifamily, and short-term rental properties.
Bank Statement
12 or 24 months of personal or business deposits used to verify income. Built for business owners, 1099 earners, and the self-employed.
HELOC & Reverse
Flexible home equity access on your schedule. Reverse mortgage solutions for homeowners 62+ seeking retirement income and financial flexibility.
LET’S TALK
Ready when you are.
No pressure. No obligation. Just a real conversation about your goals, what you qualify for, and what a better rate could actually mean for your monthly payment and long-term wealth.