Why work with Glass Box Capital?

Borrower Focused Terms

Borrow on your terms— access the lowest possible rates with built in home-modernization rebates that can help you increase your property value. Rebates are supported by our contractor network

Long Term Impact

Get your next real estate loan completed while protecting your home for the future. Loans can include fully subsidized earthquake retrofits, home battery backup systems and more.

Network Access

Benefit through access to our contractor network. Use your loan rebates to get the work done at a fraction of the price it would normally cost without our lender rebates and incentives.

Speed to Closing

Receive a pre-qualification letter (or feedback as to additional documentation required) within 2 business days of application. Close in as little as two weeks on purchases, refis and HELOCs.

Borrower Focused Terms

Borrow on your terms— access the lowest possible rates with built in home-modernization rebates that can help you increase your property value. Rebates are supported by our contractor network

Long Term Impact

Get your next real estate loan completed while protecting your home for the future. Loans can include fully subsidized earthquake retrofits, home battery backup systems and more.

Network Access

Benefit through access to our contractor network. Use your loan rebates to get the work done at a fraction of the price it would normally cost without our lender rebates and incentives.

Speed to Closing

Receive a pre-qualification letter (or feedback as to additional documentation required) within 2 business days of application. Close in as little as two weeks on purchases, refis and HELOCs.

What We Do:

We are a California DRE and NMLS licensed mortgage company built to help homeowners take advantage of government subsidies and private contractor incentives for home modernization. Through our unique programs, our clients are able to secure property upgrades and retrofits at steep discounts (sometimes at no cost at all) as part of their loan closings. Specifically, borrowers who participate in our loan programs are able to benefit in the following ways:

Qualify for 100% subsidized earthquake retrofits on purchase loans*
Qualify for enhanced subsidies on energy efficiency projects (such as solar pv systems, “cool roof” replacements, HVAC load reducing ventilation systems etc.)
Qualify to borrow a higher percentage of money in the form of a specialized Solar HELOC (sometimes up to 110% of their home’s value)

In summary, our clients able to use our loan programs to reduce their long-term cost of homeownership -typically through reduced insurance and energy costs- and increase their property value through subsidized home modernization upgrades.

*Clients receiving our foundation retrofit subsidy must have homes on raised foundations in Los Angeles, Orange, San Bernardino or Riverside County.

What We Do:

We are a California DRE and NMLS licensed mortgage company built to help homeowners take advantage of government subsidies and private contractor incentives for home modernization. Through our unique programs, our clients are able to secure property upgrades and retrofits at steep discounts (sometimes at no cost at all) as part of their loan closings. Specifically, borrowers who participate in our loan programs are able to benefit in the following ways:

Qualify for 100% subsidized earthquake retrofits on purchase loans*
Qualify for enhanced subsidies on energy efficiency projects (such as solar pv systems, “cool roof” replacements, HVAC load reducing ventilation systems etc.)
Qualify to borrow a higher percentage of money in the form of a specialized Solar HELOC (sometimes up to 110% of their home’s value)

In summary, our clients able to use our loan programs to reduce their long-term cost of homeownership -typically through reduced insurance and energy costs- and increase their property value through subsidized home modernization upgrades.

*Clients receiving our foundation retrofit subsidy must have homes on raised foundations in Los Angeles, Orange, San Bernardino or Riverside County.

How We Operate:

We have developed a streamlined system to help borrowers like you obtain highly competitive purchase and refinance loans, as well as home equity lines of credit (HELOCs).

At the inception of our process, you will be asked to provide (1) a description of the property you intend to purchase or refinance, (2) your general personal financial information, (3) authorization to pull credit, (4) applicable supporting documents, and (5) the desired subsidy program in which you wish to enroll. This information will then be digitally logged into a secure online system and analyzed by our team.

Next, we will begin our pre-qualification process. During this part of the process, we will review your overall file to help you select the most optimal lending product and make sure that your property qualifies for your selected subsidy program.

After that, we will lock your interest rate and push your application to formal underwriting. If an appraisal is required, it will also be ordered at this time. From here, we are usually able to close your loan in just two to three weeks.

Throughout our process, communication will be maintained with you very step of the way, so that you can quickly provide any additional information needed to give yourself the best chance at success.

Our Secret to Offering Such Competitive Programs:

You may be wondering, “How is it possible for Glass Box to offer such competitive interest rates while still helping to subsize my home modernization projects?”

The answer is simple.

Glass Box shares common ownership with the contractors in its network – making it possible for Glass Box to share in the cost of subsidizing each project with its contracting partners.

Further, most of Glass Box’s home modernization subsidies are also backed in some part by government organizations either at the federal, state or local utility company level.

Some of the major differences between Glass Box Capital and other lenders include:

Glass Box has shared ownership with premier Southern California building contractors, enabling it to offer subsidized home modernization services at closing

Glass Box is set up to originate FHA loans, traditional conforming loans, jumbo loans, HELOCs, and certain specialized unsecured loans – making it possible for Glass Box to offer certain home modernization loan packages that exceed the value of a client’s home

About Us:

Glass Box Capital is operated by Steve Gribben.

With over 20 years of experience in financial services, Steve built Glass Box Capital to help homeowners cost-effectively enhance the value of their properties.

Prior to forming Glass Box, Steve co-founded and operated HomeFirst Mortgage Bankers (www.h1mb.com), a HUD approved direct lender based in California.

He has also assisted multiple contracting companies in developing lending programs for home improvement projects.

Steve’s experience as a direct lender, attorney and entrepreneur have helped him to understand the residential lending process from multiple vantage points.

Steve received his J.D. from the UCLA School of Law and his B.A. from the University of Southern California. He is licensed with the California DRE as a real estate broker and with the NMLS as a mortgage loan originator.