Express Capital Financing
New York, NY
Trust Label
Verified Business
Trust Label Detail
Published based on quality signals including online presence and business verification indicators.
Public Reputation Signals
Reputation Summary
Express Capital Financing is a New York, NY-based lender with a reported loan portfolio spanning bridge, commercial, DSCR, fix-and-flip, and rental portfolio products. The company holds a 4.8-star Google rating across 161 reviews and carries a BBB letter grade of A+ with active accreditation. On HardMoneySearch, Express Capital Financing carries a composite rating of 4.4/5.0 (Well Rated), reflecting a well-rated standing. No negative customer review themes were identified in the data reviewed. Customer-sourced Google reviews frequently cite clear communication and thorough explanations throughout the loan process, fast closings and the ability to meet tight deadlines, smooth and professional end-to-end loan experiences, support for complex and multi-property deals, solutions available for foreign and international investors, and repeat business rooted in long-term client relationships. Individual loan officers including John Sitoropoulos, Steven Scorsone, Abe Labaton, Isaac Antar, Martin Chera, and Morris Ringer are named by name in multiple customer accounts. On the workplace side, a small number of employee reviews on Indeed describe the company as offering a rewarding work experience with support provided from day one; these represent internal signals about workplace culture and should not be read as borrower-facing claims.
Prospective borrowers should note that NMLS verification for this listing has not been confirmed through available public data, and independent due diligence on licensing and credentials is advisable. No negative customer sentiment was surfaced in the reviewed data, and no legal or regulatory signals of any kind were supplied for this listing. The review platforms cited reflect signals aggregated from public sources and do not represent independent verification by HardMoneySearch of any borrower outcome, rate, term, or service claim.
This summary aggregates publicly available information retrieved as of 2026-07-02; users should verify details directly with the lender and official sources including NMLS Consumer Access.
Public Review Themes
8 positive / 0 negative borrower themes found across 5 linked sources.
These public review themes are extracted from third-party public sources linked below. They summarize language appearing in those sources and are not HardMoneySearch's own opinions, endorsements, or verified findings. Review the linked source material and verify details directly before relying on any lender.
What borrowers say
Clear communication and thorough explanations throughout the loan process
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“⭐️⭐️⭐️⭐️⭐️ Working with John Sitoropoulos has been an excellent experience! This was my first deal with him, and I was thoroughly impressed by how smooth and professional the entire process was. John is extremely thorough, always takes the time to explain everything clearly, and responds quickly to any questions or concerns I had along the way. His communication and attention to detail really set him apart. I look forward to working on many more deals with him in the future!”
“Working with ECF, specifically my loan officer, Steven Scorsone was a great experience from start to finish. He was patient, knowledgeable, and always available to answer my questions and provide guidance throughout the process. He took the time to explain everything clearly, which made me feel confident and supported every step of the way. I also want to recognize the processing team for their attention to detail and professionalism — they helped keep everything organized and moving smoothly. I”
Clear communication and thorough explanations throughout the process
View source excerpt
“⭐️⭐️⭐️⭐️⭐️ Working with John Sitoropoulos has been an excellent experience! This was my first deal with him, and I was thoroughly impressed by how smooth and professional the entire process was. John is extremely thorough, always takes the time to explain everything clearly, and responds quickly to any questions or concerns I had along the way. His communication and attention to detail really set him apart. I look forward to working on many more deals with him in the future!”
“Working with ECF, specifically my loan officer, Steven Scorsone was a great experience from start to finish. He was patient, knowledgeable, and always available to answer my questions and provide guidance throughout the process. He took the time to explain everything clearly, which made me feel confident and supported every step of the way. I also want to recognize the processing team for their attention to detail and professionalism — they helped keep everything organized and moving smoothly. I”
Fast closings and ability to meet tight deadlines
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“Excellent service my broker John sotiropoulos is the best if you need rehab loans, refinance and more. I have used express capital financing and will continue to do so. We just finish closing on a 3 family here in Bristol CT that took them 3 weeks to close!! You can’t beat that, and as far as the draws for the rehab. The response time is excellent and extremely efficient.”
“Martin with express capital is amazing. He just closed a deal for my buyer in Warren 7 days! Absolutely amazing.”
Smooth, professional end-to-end loan process
View source excerpt
“⭐️⭐️⭐️⭐️⭐️ Working with John Sitoropoulos has been an excellent experience! This was my first deal with him, and I was thoroughly impressed by how smooth and professional the entire process was. John is extremely thorough, always takes the time to explain everything clearly, and responds quickly to any questions or concerns I had along the way. His communication and attention to detail really set him apart. I look forward to working on many more deals with him in the future!”
“Let me begin by thanking my loan officer Stevens and the team at Express Capital for their exceptional service during the loan process. They are awesome. Just can’t find the right words to describe their professionalism, patience and customer service. If you are looking for a mortgage team that deliver, and close fast with no hassle, then express capital is the company to call. Stevens is the guy who will work patiently with you through the loan process and get you closed as fast as he can. He i”
Support for complex and multi-property deals
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“Abe Labaton was amazing! He took the time to listen to all of my specific needs for my realestate portfolio. He worked with me and his team to develop a game plan and then implemented the strategy quickly and professionally. He helped me with 9 loans, and we are working on another one. Abe’s help and knowledge about the financial industry has been invaluable! I highly recommend Mr. Labaton and his team at Express Capital Financing.”
“Isaac Antar at Express Capital Financing provided us with excellent service during a recent real estate purchase. It was a complicated scenario that was contingent on the sale of a rental property, and a 1031 exchange into 7 new properties. Throughout the process Isaac was very patient in helping us to comprehend the way DSCR loans work, and made sure that we understood every stage and what the details and terms meant. Not only did Isaac handle all of the lender responsibilities, he also managed”
Competitive rates and favorable loan terms
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“Abe and his team did a fantastic job. I was two weeks from my close date with another lender but Abe was able to get me 1% better rate. He picked up from the appraisal and we closed on time.”
“Working with Morris Ringer, literally the best in the business. Best rates, best terms, fastest processing out. When you need a loan for your investment...Choose Express!”
Solutions available for foreign/international investors
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“Express Capital Financing are exceptionally good when it comes to financial solutions for both nationals and especially foreign investors, as many brokers struggle to find suitable packages for international clients. I highly recommend Express Capital Financing without hesitation to foreign investors looking to expand their portfolio or secure cash-out financing applications.”
Repeat business and long-term client relationships
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“Abe Labaton was amazing! He took the time to listen to all of my specific needs for my realestate portfolio. He worked with me and his team to develop a game plan and then implemented the strategy quickly and professionally. He helped me with 9 loans, and we are working on another one. Abe’s help and knowledge about the financial industry has been invaluable! I highly recommend Mr. Labaton and his team at Express Capital Financing.”
“Steven Scorsone and Natasha Rampersaud are simply the best! I've completed several deals with this Express Capital, all due to the professionalism and efficiency of Natasha and Steve. They've been a pleasure to work with and have enabled me to scale my portfolio. Looking forward to doing more business in the future!”
What employees say
Workplace-sourced themes are shown separately and do not drive the borrower theme count above.
Rewarding work experience
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“Working at Express Capital Financing: 2 Reviews - Indeed I have had the privilege of working at Express Capital Financing and it has been an incredibly rewarding experience. From day one, the company has shown a ...”
Company shows support from day one
View source excerpt
“Working at Express Capital Financing: 2 Reviews - Indeed I have had the privilege of working at Express Capital Financing and it has been an incredibly rewarding experience. From day one, the company has shown a ...”
Loan Types
Loan Terms (Lender-Stated / Source-Derived)
Loan fields are lender-stated or source-derived where available; confirm all terms in writing directly with the lender.
States Served
NY
States Licensed
NY
Verification
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Directory record last refreshed: 2026-06-29T18:33:35+00:00
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