About Us
At Steadfast Capital, the focus is on helping Orange County homeowners and buyers make smarter mortgage decisions with clarity, strategy, and personalized guidance.
Led by Luke Swardstrom, Steadfast Capital was built to offer a more thoughtful approach to home financing—one centered on understanding your goals, your equity position, and the smartest structure for your situation. Whether you're buying in a competitive market, refinancing, or exploring ways to access equity without disrupting a strong existing mortgage, the goal is to help you make a confident, informed decision.
As an independent mortgage brokerage, Steadfast Capital works with a broad network of wholesale lenders and banks, giving clients access to competitive pricing, flexible loan options, and tailored mortgage strategies. That independence allows for a more customized experience—focused on finding the right fit for your short- and long-term financial goals, with the responsiveness and attention to detail clients expect in Orange County.
Our Mortgage Expertise
Who We Are
Steadfast Capital is your go-to destination for all things Mortgage-related. With a deep-rooted commitment to client success, we offer professional guidance and resources, ensuring a smooth and well-informed Mortgage experience for each client.
Pre-Approvals
Mortgage pre-approval is a commitment from a lender to provide you with home financing up to a certain loan amount. Learn more
Conventional Loans
A conforming home loan is one that meets, or “conforms” to, certain guidelines set forth by Freddie Mac and Fannie Mae. Learn more
FHA Loans
FHA mortgages make home ownership much more affordable and have easier credit requirements that are perfect for first time homebuyers. Learn more
VA Loans
VA loans are fully backed by the government and offer a myriad of advantages for your home purchase or mortgage refinance. Learn more
USDA Loans
A USDA home loan is a zero down payment mortgage for eligible rural homebuyers. Learn more
Jumbo Loans
The minimum contribution guidelines for Jumbo loans are tiered by loan amount, loan purpose, credit profile and occupancy type. Learn more
Client Testimonials
Jim B.
"I shopped around, as so many people do. I can honestly say that after hearing so many "no's" they used their relationships with the top Lenders across the Nation to find me the perfect deal for my situation. Not to mention that we closed in less than a week!! They made me a client for life!"
Charles M.
"I can't thank the Team enough for making the mortgage process stress-free. Their dedication and knowledge are what set them apart. We had a tricky situation, and they handled every unexpected obstacle along the way with ease! I felt like a client, not a number. Thank you again Luke!"
Christine A.
"Choosing the Steadfast was the best decision. Their professionalism and support made my mortgage experience seamless. They worked around the clock to ensure everything was done on time, if not early."