About The KapStan Group
The KapStan Group, led by loan VPs Hal Kappelman and Stan Yee and powered by OriginPoint, is a high-performance mortgage advisory team known for combining deep lending expertise with a white-glove, relationship-first approach. Together, Hal and Stan bring decades of experience across conventional, jumbo, FHA/VA, non-QM, and complex financing strategies, helping buyers, investors, homeowners, and real-estate professionals navigate even the most competitive markets with confidence. The KapStan Group is built around one core belief: great financing is not just about rates, it's about certainty, speed, and strategy. By leveraging fully underwritten approvals, proactive problem-solving, and close collaboration with agents, the team consistently helps clients strengthen offers, reduce friction, and close smoothly. Unlike traditional lending teams that operate on banker's hours, the KapStan Group provides seven-day-a-week coverage, including evenings and weekends, because real-estate transactions don't always happen between 9 and 5. Whether it's a last-minute offer, an urgent pre-approval, or a time-sensitive question, clients and agent partners know they can reach Hal or Stan when it matters most. Trusted by top real-estate professionals across Connecticut, New Jersey, Florida, and Texas the KapStan Group serves as a true extension of the agent's team, delivering clarity, reliability, and consistent execution at every step of the transaction. They believe strong communication, personal availability, and long-term trust are just as important as technical expertise, and that philosophy continues to set the KapStan Group apart. Outside of the office, Hal and Stan are deeply invested in their families and communities, and they bring that same level of care and accountability to every client relationship. Hal enjoys spending time with his wife, two daughters, and their Great Dane–Poodle mix, Dutch. When he's not with family, Hal is an avid sailboat racer, woodworker, and skier. Stan Yee enjoys spending time with his wife, two daughters, son, and family dog. In his free time, he enjoys golfing, cooking, staying active outdoors, and quality time with his family.
*This is a loan product referral and not offered by OriginPoint.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Lock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
Your monthly payment would be
$ 0.00
*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. OriginPoint LLC cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact OriginPoint LLC for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. OriginPoint LLC does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by OriginPoint LLC. OriginPoint LLC its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 500 Post Road East, 2nd Floor Office 236 Westport CT, 06880
