Mortgage Solutons

Mortgage Solutions Tailored for Florida Homeowners

At Capital Consulting & Finance, we provide smart, flexible mortgage solutions designed to meet your needs—whether you’re buying a home, refinancing, or tapping into your home’s equity.

With a deep understanding of Florida’s Gulf Coast real estate markets,
we help homeowners and buyers across Collier, Lee, Charlotte, Sarasota, Manatee, and Hillsborough counties secure the right loan with confidence, speed, and transparency.

Purchase Loans

Buying a home in Florida’s competitive market requires the right lending strategy—and a partner who can move quickly. We offer:

Whether you’re purchasing your first home in Fort Myers or upgrading in Naples, we help you close with confidence.

Refinancing

Refinancing your mortgage can lower your monthly payments, eliminate private mortgage insurance (PMI), or help you access your home’s equity. We work with homeowners throughout Southwest Florida to:

We’ll help you understand your refinance options and whether now is the
right time to act.

Home Equity Loans & HELOCs

If your home has increased in value, you may be able to use that equity
to your advantage. We offer both lump-sum and flexible lines of
credit to help you:

Our team will help you evaluate how much equity you can access and which option—fixed-rate loan or HELOC—is the right fit for your goals.

Purchase Loans

Buying a home in Florida’s competitive market requires the right lending strategy—and a partner who can move quickly. We offer:

Whether you’re purchasing your first home in Fort Myers or upgrading in Naples, we help you close with confidence.

Refinancing

We’ll help you understand your refinance options and whether now is the
right time to act.

Home Equity Loans & HELOCs

If your home has increased in value, you may be able to use that equity
to your advantage. We offer both lump-sum and flexible lines of
credit to help you:

Our team will help you evaluate how much equity you can access and which option—fixed-rate loan or HELOC—is the right fit for your goals.

Purchase Loans

Buying a home in Florida’s competitive market requires the right lending strategy—and a partner who can move quickly. We offer:

Whether you’re purchasing your first home in Fort Myers or upgrading in Naples, we help you close with confidence.

Refinancing

We’ll help you understand your refinance options and whether now is the
right time to act.

Home Equity Loans & HELOCs

If your home has increased in value, you may be able to use that equity
to your advantage. We offer both lump-sum and flexible lines of
credit to help you:

Our team will help you evaluate how much equity you can access and which option—fixed-rate loan or HELOC—is the right fit for your goals.

Why Work With Capital Consulting & Finance?

Local expertise and insight into Florida lending regulations
Access to multiple lending partners for flexible loan options
Fast pre-approvals and responsive service
Personalized, one-on-one mortgage guidance
Deep relationships with local Realtors, title companies, and appraisers

We’re here to help you finance your future—whether that’s a new home, a better rate, or a smarter way to use your equity.

Ready to Take the Next Step?

Whether you’re buying, refinancing, or growing your business, we’re ready to help you move forward with clarity and confidence.

What Our Clients Say

The day after offer letters were signed, Chris returned our call (on a Sunday) to begin to explain the mortgage application and closing process. We haven't bought property in over 26 years, so the experience was so new again for us. Chris kept us focused on schedule and we closed 4 week to the date of signing final contracts.

Maria French

You are a man who gets it done, Great working with you Chris Russo, How did you close my loan in 6 days. We will tell all our friends about you. The fact that you beat everyone’s fees and rate by almost a point and $6500 is amazing. My friend that gave me your number said you were the best and you are. My son David is ready to purchase a home he will be calling you for the mortgage . Thanks Chris!

Thomas Linda Acosta

Thank you Chris Russo for helping me as a first time home buyer. You did everything you said you would. No nonsense and no issues, You know your job and made me feel at ease. I can’t wait to buy my next house and have you do the loan. You made me relax and enjoy the process I highly recommend you

Christina Selina

So as a US Veteran I must say Chris Russo is USA all the way. Dealing with Chris is like dealing with a lifelong friend. He openly expresses his Love for Jesus and looks to explain everything. Other we talked to in banks and chain mortgage stores just don’t care about anything but Commission. Chris out of his own pocket paid to get my credit score up and also gave me a $500 appraisal credit. Chris is our go-to mortgage professional . Thank you Brother God Bless you

Joseph Baker

Best experience I’ve ever had with a mortgage broker. Chris worked hard to get this closed and did it in 9 days! The customer service at Capital Consulting Finance goes above and beyond what is out there! I highly recommend Chris and his team for any lending needs you have. There is simply no other reason to go elsewhere!

Nella DeCesare Patrick

Chris was very knowledgeable with the answers to every question I had. This man is down to earth not another robot in a suit. He made the process very easy to obtain financing for my forever home. In the short time it took to close I felt like I was dealing with a longtime friend, not someone I had just met. I highly recommend Chris and his team.

John T. Moors

Chris was absolutely wonderful to work with. After 60 years in Ohio, we finally decided to make the big move to Florida. A close friend recommended Chris. I am so glad i followed that recommendation. We had some unusual issues that Chris handled expertly. but more than his incredible and very time sensitive work, I feel like i have a new friend. Chris treated my wife and I like family. I will be forever grateful for his time, dedication, and guidance. Chris: YOU ARE THE BEST!!! Thanks again my brother!!!

Joseph Butauski

Chris is incredible, he goes above and beyond for his clients, he’s always helping, always kind, always honest. He’s really into giving his best to his clients. He cares about them and I love working with him!

Angie Zuniga

Chris really went out of his way to make sure buying a home was possible for me. He is kind, professional, knowledgeable, and gets you through the process in a timely manner. I highly recommend him if you are looking to buy a home.

Amber Wilkinson

as a first time home buyer I was a wreck and knew nothing. Thanks to Chris Russo and his staff this was a great learning experience, he showed us the way and made the process easy. We recommend Chris

James DeFrost

Chris thank you for all the hard work, I am so happy Nancy gave me your number. 9 days to close a loan is unheard of. I will recommend you to all i come across. Thank you for allowing me to bring my Pet to your office.

Maria Ivan

Thank you Chris for your hard work. You really know how to treat people. Thanks for coming to our home and working with us. You are a man of your word. We will give your name and number out

Charles Maryann Langford

As a woman I have been taken before in the car industry and housing, NOT anymore. Chris is such a good hearted soul who cares about the customer not his purse 6 day closing when i went to cross country they were 1.5% higher in rate and $7400 higher in fees Chris showed me and explained to me how to beat it with the same product. How could that be , All I can say is don’t shop around GO SEE CHRIS RUSSO Thank you again Look forward to seeing you at the house warming party

Mary Silverton

Chris Russo Thank you, You treated my son and his wife so kind and did not take advantage of them. You are a good man and you know Mortgages. We look forward to doing business with you again

Todd Fields

When I came to Chris for a mortgage he treat me with great respect. I don’t speak great English but he helped me and took time to explain and answer all questions. He closed my loan in 8 days. Saved me money. I went to 2 other big box mortgage stores in Naples and they charge me 1% more rate high Chris showed me how to save money and rate. Thank you Chris for being a Good honest man

Charlie Lee

I met Chris through my R/E Broker. The first time I spoke with Chris I knew he was the person I wanted to help us to purchase our forever home. Chris was there for us whenever we needed him, it didn't matter what time it was . He always answered our calls. He explained everything and didn't mind if we asked him to explain it again and again. Chris made the process so easy for us. I can't thank him enough for all he has done for me and my family. We are so glad we met Chris. We are proud to call Chris our friend.

Michele & Michael DeSimone

Chris, You are nothing short of amazing! You are a true professional and kept me updated throughout the whole process. You got me an amazing rate in these difficult times. I will use you for all my loan needs going forward. Most important I now consider you a friend for life.

Victoria Gray

Chris thank you for all you’ve done from getting us the best rate and having it done in less than 2 weeks. You made the whole transaction very smooth. You are very professional. You stayed in contact with me every step of the way, not leaving me out in the wonder what’s going on land. I will highly recommend you to my friends. You are the best thank you again.

John & Pam Eifert

Chris Thank you for explaining things others did not. 4.99 without having to purchase the rate on my refinance, my brother was right about you. You are our go to Mortgage professional

Michelle Kelly

Chris is amazing and does the impossible! Thank you a 100 times over!

Anthony Reinglas

This is our guy for all our needs , How does one do a refi in 5 days and get the appraisal paid for us. 5% and no points , you know your business

Bill & Michelle Miller

Thank you Chris for all your help you are a very real mortgage lender who tells the truth. 10 days on my closing, amazing i am in a new home with your help

Nicky Thomas

I am a single mom and Chris close a purchase for me and went over every line. I started with a different broker who was over charging me by $9,000, a friend said go see Chris Russo and I did. What a good honest man who saved me money. He also welcomed my dog in his office a pet lover. Thank you Christopher Russo

Rose A.

Thank you Chris for the 6 day close on my refinance. How did you get me 5% in this market without me having to pay for the rate. You are very good at what you do Thank you

Eddie Sims

Chris thank you for helping me and saving me over $4,000 and 1.375% in rate. how did you close my loan in 8 days? i never met anyone that works like you. I will tell my friends about you. Thank you

Maryann Frantz

Chris is my go to mortgage lender. He has access to a large variety of lenders. He has a program for every borrower. Highly recommend.

Dennis J McLaughlin

As a realtor in the Naples , Chris Russo is the man he delivers everything he says right down to the penny the man said to deal would close in 8 days it did the man said he would eat the appraisal fee he did this man is absolutely truthful honest and I'm going to recommend him to every one of my customers his service is the best

Ed Rubin

Always truthful and very respectful of your time

Derek Martin

Chris keeps his word and works for the client. He did not take advantage of my lack of knowledge. he explained all and showed me the numbers on his screen. Honest man who helps and means it. Thank you Chris Russo

Lisa M.

Chris is the hardest working finance person I have ever came in contact with in my 40 some years of being in business. I would recommend him to anyone who needs finances.

Mark Paul

Closed my Refi in 8 days as promised, I recommend Chris anytime to all my friends and the public, Thank you Chris

John Roland

I love this man, Chris is a true hard worker who cares about his customer, Chris took the time and sat side by side with me and explained everything and showed me the numbers , saved me money he also helped with finding insurance for me , He has recommendation anytime , my English is not so good he even had someone to speak Spanish. Was great with my kids in his office , Thank you

Maria Rosa

Just left Chris Russo at a title company, This guy drove 2 hours for a closing, No other Mortgage company I have been with before works like this guy Thank you Chris You are the best and I will refer you to all I know.

Tony M

I am a Realtor In Naples and Chris Russo is amazing, He says what he is going to do and does it. HE PICKS UP THE PHONE, Customers love him We Just closed a loan in 10 days and he has a multiplex in he will have closed this week so 13 day close on an investment deal, He gets all my deals now and he also answers the phone on weekends and got me an underwriting approval on a weekend!!! Thank you Chris Russo. A class act all the way and truthful to clients

Lou Ryan

I am a mortgage loan officer and I came across Chris Russo at a cancer event he sponsored. We started talking and I needed help on a loan that my current company could not do. He took hold of it and priced it out at the event, That next day we had the application in and a full approval by days end The loan closed 7 days later My clients were happy. I was so impressed and even more so i left my job that was only giving me 30% commission and i now get 90% on my deals even jumbo loans.

Jim Nolan

Chris Russo keep us informed every step of the way we closed on our house a month after we signed as insurance was the hardest issue he was done and ready in 10 days. He is knowledgeable, polite and professional I will highly recommend him to everyone Thank you Chris.

Terry Cruz

Commercial loans are no issue for Chris. Signed a contract on a Friday afternoon seen Chris on the Monday morning to follow , Monday afternoon we had an approval with some items we needed to gather for underwriting, This was a week ago. we are closing on the 29th of this month. How does he do it. This Chris Russo is amazing. I asked a friend if they knew of anyone besides my bank as they always drag things out and they said Chris Russo is the guy Thank you Chris

Jeff Anderson

November 13, 2023 Chris just helped me with an investment property, this is my 3rd loan with him, I will always use him as he knows Naples and the mortgage industry. I wanted to please my wife and get a price from someone else and i tell you this they could not come close to the customer service and pricing that Chris Russo has. The guy actually came to our home to make the day easy for us. He was able to get us a loan with no buy down points at 6,4 on an investment property THANK YOU CHRIS

Frank Rosenberg

Very difficult loan, but Chris delivered as he promised. He fought hard with underwriting to get me the rate that we locked in at.

James Hood

An amazing human being who will help you through the process of obtaining a mortgage

Derek Martin

hris is absolutely fantastic to work with . So knowledgeable in his field and gets the job done. Kept me informed with everything that was going on . EXCELLENT !!!

Dawn Hyland

Chris was amazing! Found all the ways possible to make it happen. Always answered the phone and kept us informed n the loop through the whole process. Best of the best!

Yaremi Del Rio

Chris is knowledgeable about not only Naples but the industry. He was able to put me in the right house and an amazing rate.

Wendy Bolling

Chris was very big help when moving from Pittsburgh, Pa., to Spring Hill, FL. The communication was excellent. He answered all of my questions. He made it appoint to be at our closing which was 4 1/2-to-5-hour drive for him. He stays in contact with us to make sure we are adjusting to our new life Florida. He as became a good friend.

Jack R. Ragsdale Jr.

Chris is Excellent to work with. He is very knowledgeable and gets things done.

Shelby Riley

I a realtor with 35yr experience. Chris is far the best mortgage broker I have ever met. He is a true professional who knows the ins and out of financing.. he explains to clients each step of the way which makes the process that much easier. I am now using him for my purchase. Chris is simply the best.

Katherine Daniels

Mr. Russo has helped me and my family so much on several different things. He has been more than excellent. I would never use another mortgage broker, other than him for myself and my family from this point on. He’s definitely a five star.

Michele Camacho

Chris is a true example of a man of character, perseverance, and experience in this industry. He’s definitely the man you want in your corner to get the job done right. Very grateful for his wisdom and compassionate heart.

Christina Elizabeth

Extremely professional and closed in record time. Chris made the process easy and stress free. Highly recommend

Maureen Dennis

Chris was wonderful to work with! He was very professional and informative through our entire mortgage process. We closed on a new construction in March 2023 in Naples. I'm self-employed, and with that comes a lot of challenges obtaining a mortgage. Chris went above and beyond to get my wife and I a clear to close. I highly recommend Chris for all of your mortgage needs.

Chad & Patty

A true gentlemen Chris is. Being a black Spanish lady, he made me feel welcome and explained all to me

Maria Perez

A true gentlemen Chris is. Being a black Spanish lady, he made me feel welcome and explained all to me

Mike Anderson

I went to 4 brokers in the area and Chris gave it to me with full clarity. He showed me how to save a 1.5% in rate and how to save over 130k in interest payments in rate, Thank you Chris i am sending all my real estate clients to you

Frank P.