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Real Estate

Real Estate & Lending Solutions with Integrity and Care

At 5 Point Capital, we’re dedicated to guiding you through every step of your homeownership journey—whether you’re looking to buy, refinance, or invest in a new property. With over 20 years of experience, we’ve built our reputation on honesty, integrity, and putting our clients’ needs first. Discover how we can help you achieve your real estate goals, right here in Orange County and beyond.

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Orange County

LA County

Riverside County

San Diego County

WHY US?

I Am Ready to Help You on the Next Steps

Whether you’re curious about refinancing options or looking to purchase your first home, 5 Point Capital has your back. Fill out one of our simple online forms and we’ll get back to you within 24 hours—or sooner.

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Tailored Lending
We partner with multiple lenders to secure competitive rates for you.
Seasoned Expertise
Our founder, Rick Villa, has over 20 years of real estate and lending experience.
Client-first Approach
From first-time buyers to seasoned homeowners, we make every transaction clear and stress-free.
Repeat & Referral Focus
The majority of our business comes from happy clients and referrals—testament to our trusted relationships.

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Testimonials

Check out what people have to say about us.

A great help!

★★★★★

Rick Villa was a great help to refinance our property into a lower rate. He’s proactive and keen for every detail on the loan process. He guided me all throughout with a quick response on all my communications. I recommend him to everyone.

Extremely happy

★★★★★

We have used Rick twice now and have been extremely happy with 5 Point’s services. Rick and his staff make the process seamless. They closed both our transactions in less than 3 weeks! Rick is the only person to handle our mortgage needs moving forward. Thanks Rick!

FIRST TIME BUYER

★★★★★

5 Point Capital has helped me with the purchase of two homes and two refinances with incredible clarity & surprising speed. I’m forever thankful to Rick. He was responsible for making a short sale come through in record time for me in my FIRST HOME BUYING EXPERIENCE.

SAVED ME $500 A MONTH

★★★★★

5 Point Capital and specifically Rick are the best! He helped me save over $500 monthly and made the process a breeze. I couldn’t be happier. If you are looking for any home loan needs he’s the one to use.