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"Take it from me, there are still 'dream makers' in the world, and Z4 Capital is my 21st Century dream maker”

- Dr. Cernata C. Morse

We use private capital for faster, easier closings

Banks and mortgage lenders can make it impossible to get qualified for the money you need. At z4 Capital, we understand that not qualifying according to conventional standards does not mean you don’t deserve to achieve your goals.  We use our own private capital which means we are not bound by traditional underwriting standards.  That enables us to provide you with quick and smooth transactions.

private lenders association

What Can We Do For You?

We offer a unique service meant to help people who’ve struggled with traditional lending options, because they don’t “fit the box” of conventional underwriting requirements. . Our loans are  customized on a case-by-case basis. Since we understand that no two scenarios are alike, we cater a lending plan to fit your needs.

Tell us about your scenario and our expert team will help find your solution.

Home Mortgage Lending

“No service issues at all;  easy to contact;  always professional yet personable.  If I ever needed to borrow for a short term loan again, I would call them 1st!  They gave me the money I needed, when I needed it, with no complications at all”

– Kelvin Creyts

Z4 Capital an equal housing and private lender

Who We Are

With over 25 years worth of experience in the mortgage lending field, we are here for you and to ensure your financial prosperity. Our unmatched experience and knowledge in mortgage lending give our customers the edge.

Our team is dedicated and flexible, meaning that you will always have up to the minute service and a loan that fits into your lifestyle

We service Northern Virginia & D.C. Metropolitan Areas