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Capital Financial Advisors, Inc. (CFA) established in 1999 is a residential & commercial lending brokerage based in Los Angeles serving all of California, Colorado & Montana. CFA functions at the consumer level engaging in real estate consulting services with transactions up to $100,000,000. Our services include customized services tailored to the unique needs of family trusts, foundations, non-profits as well as individuals seeking lending and customized real estate services for the discerning clientele.

CFA’s Private Client Services are extensively tailored to high profile clientele as well as Fortune 500 executives who require utmost privacy and discretion. Our financing and construction lending services offer products for residential and commercial properties as well as individualized business lines of credit as well as private sales and acquisition services.

CFA understands that real estate transactions are complex and each transaction is unique. Real Estate and Real East Financing should be viewed with a long term strategy which contributes to wealth, rather than depleting it. Whether you have business managers, financial advisors, a legal team or Realtors advising you, CFA can offer unprecedented support for you and your advisors.

CFA recognizes that time is valuable and our goal is to provide customized, solution oriented products to help efficiently manage the often time consuming process. CFA will work alongside you and your advisors to fully understand the transaction and its impact on overall fiscal planning. Our combined experience along with a commitment of integrity, reliability and knowledge ensures the highest level of customer satisfaction.

NMLS: 132078

DRE: 01304049

NMLS #132013 / DRE 01238996
310-444-7191 x126

Rosie Rains

Rosie Rains is the Managing Director and Founder of Capital Financial Advisors, Inc. (CFA), and has been successful in the real estate since 1985 when she founded her own commercial appraisal & consulting firm while attending college. In 1990, with an appraiser’s understanding of what really drives value in Real Estate, she entered the financial side of the business as a broker.  In 2000, she formed her own brokerage, Capital Financial Advisors, Inc., Ms. Rains’ focus has been on finding the most effective financing solutions for each unique situation. After over 25 years of experience working almost exclusively with Attorneys, CPA’s  and Financial Professionals has left Ms. Rains with a deep understanding of the role of real estate and finance plays in building wealth.

She has extensive knowledge of financial structures within entities, family trust, foundations, LLC and complex commercial financing. She has also specializes in working with entertainment clientele who have complex income streams and demanding planning goals.

She holds Brokers Licenses in California, Colorado and Montana and is actively involved with the California Association of Mortgage Brokers, National Association of Mortgage Brokers, British American Business Council and the Beverly Hills Estate Planning Council. Additionally, she holds a Realtor designation with the San Diego and Malibu Board of Realtors. Ms. Rains is also an active member of several  Professional Network Groups, is a published author of McGraw Hill and been featured on CNBC, Fox News, Good Morning Los Angeles, CNBC, Money Magazine, Good Morning Arizona, a frequent guest on Money Talk Ratio and was a key note speaker of “101” Powerful Women’s Conference.

She has also been one of the top originators of financial products year after year since 2000 and most recently voted one of the top producing originators in 2015 and 2016.  With over $2 billion in placed financing and negotiated over $500 million in commercial sales transactions with the last few years.

Ms Rains is dedicated to the preservation of California’s natural resources, wildlife and diminishing open spaces.  She is a firm believer that we must preserve as much as we can in this life and giving back is not an option.

Ms. Rains enjoys people, laughter and the company of her Weimaraner Penny and her cat “wolfie” and spends free time doing improvements to her home and writing. She is actively involved in the Authors Guild, Film Independent and the Writers Guild of America and theatrical arts.

NMLS #276954 / DRE 01125814
310-444-7191 x117

Walter Tharp

Walter Tharp is a mortgage banking professional with over 25 years’ experience.  A former executive with a national mortgage wholesaler where he served of 15 years, he was responsible for its expansion into ten additional key markets thought the United States and increasing production by over $20 Billion annually, generating $38 Million in net profits.

Mr. Tharp has extension experience in all aspects of business management ranging from Sales and Marketing, Operations, P&L management, Cost and Efficiency measures, Credit Risk Management and Strategic Planning.  Mr. Tharp is an accomplished public speaker and motivational coach.

After leaving institutional lending, Mr. Tharp entered the private sector as an entrepreneur partnering in a retrial mortgage brokerage with his partner Rosie Rains, Capital Financial Advisors, Inc. (CFA).  CFA is a Jumbo and Super Jumbo brokerage operating in Malibu, California but also offering the full suite of products agency conforming, government, land acquisition and construction.

CFA has established relationships with business managers, financial advisors, real estate and estate attorneys and realtors.  Their focus is taking a concierge approach to it consumers building wealth through disciplined debt management and financial planning.

Mr. Tharp is a former Board Member with the California Association of Mortgage Bankers (2005-2007), severs with various charitable organizations, proud father of two (a son in the Military, a daughter attending U.C. Davis) and guardian of “Penny” (9 year old weimaraner) and “Wolfie” a British Blue kitty.

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