Why Choose MCA

Home loans specialize in Palo Alto area
  • Our rates are reliably low
  • Best advice, more than just a rate quote
  • Personalized customer service
Located in the northwest corner of Santa Clara County in California, Palo Alto borders San Mateo County and also shares its borders with East Palo Alto, Mountain View, Los Altos, Los Altos Hills, Stanford, Portola Valley, and Menlo Park. The city of Palo Alto has a wonderful Mediterranean climate with cool, wet winters and warm, dry summers. What adds to the area’s supurb weather is when the sun goes down and the fog bank flows over the foothills to the west and covers the night sky, thus creating a blanket that helps trap the summer warmth absorbed during the day.

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Get a Personalized, Real Time Rate Quote Today!

MCA has competitive rates and fees to save your money. Call (800) 974-4434 or get started now!

Buying a home

Take the first step toward your homebuying goal with our free prequalification consultation. Estimate how much you can manage.

Prequalify a loan

Refinancing a home

Looking for the best rate and best loan option? Get personalized rate quotes with what benefits you can get from refinancing.

Get Rates

Get Rates

MCA mortgage consultants can walk you through every step of the process.
We’ll help find the loan option that’s right for you.

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Home Loans

MCA loan consultants will help find the loan option that’s right for you.

At Mortgage Capital Associates (MCA), you’re getting more than just a home loan. You’re getting 30 years of loan experience and friendly, personal service backed by thousands of reviews from happy clients. MCA is a nationwide direct lender and we find the solutions to meet your needs.

Testimonials & Security

DON’T JUST TAKE OUR WORD FOR IT. MORE THAN 15,000 HAPPY CLIENTS!
  • Overall it went well. The interest rate and fees were low. Occasionally I felt some explanations were needed to be included for some of the requests for financial information. My loan officer did provide an e-mail follow up that eased my mind. I would recommend them to anyone looking for a competitive deal.
    Robert Hafner
    11/20/2013
  • When shopping for refinancing our condo, MCA stood out because of its rates and fees. Although we found a local mortgage company with comparable rates, their fees were higher. Our agent at MCA was responsive and knowledgeable. We were able to choose our title/escrow company, and provide MCA a list of appraisers of our choice, which further reduced our closing costs. There were a few missing fax documents here and there so some files had to be resent. E-signing will certainly reduce this problem. Overall, our experience with MCA was very positive. Their services will be recommended.
    Scott Dionne
    12/02/2013
  • Very good experience and paper work is very detail. Get ready to give every paper trail for the transactions. Great interest rate & zero closing cost from lender (actually a credit of $1) put MCA ahead of competition. Borrower needs to be ahead of every detail MCA asks, closed within 3 weeks and procedure was open & clear.
    Arthur Roy
    11/20/2013
  • Overall the experience with MCA was good. They definitely had the best rates and lowest fees. Communication could have been a fair amount better than it was. Be prepared to talk to multiple people throughout the process. Sometimes misinformation can ofcur…too many cooks in the kitchen. In the end, I closed quickly and without too much stress. I would recommend MCA to my family and/or friends.
    Jennifer Martino
    02/19/2014
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