Founder

BLAKE A. YARBOROUGH

Designation: President & Founder
Email at: Blake@4smartmoney.com
Office Number: (713) 651-9500
RMLO # 342312
Office Address: 11200 Westheimer, Suite 777
Houston, Texas 77042

Blake A. Yarborough is a Houston native who graduated in 1995 with a MBA from University of St. Thomas with concentrations in Finance & Marketing. He is the President & Founder of Capital Concepts, Inc., a company that he started in 1998. Blake became a Real Estate Professional in 1996. Also, he has been a Mortgage Broker since 1998. Blake has a background in securities & insurance, and is a Real Estate Investor as well.

Blake has financed over 1,000 loans for investors in the past decade. Because he is an investor himself, he analyzes the deals and chooses the best programs for the client’s and property’s needs. He is considered an expert in his field of Real Estate Financing, and has been a speaker at a largely publicized event with a best-selling author, as well as many other events. Furthermore, he has been featured on a myriad of radio shows including CBS, CNN, KSEV, KRLD, and biz radio. He has led Real Estate investor bus trips, and taught new investors how to analyze and evaluate properties.

Investing is a family tradition for the Yarboroughs. He and his wife, Crystal, currently own and manage 135 rental units, and they are in the trenches working to expand their portfolio. They invest in high cash flow properties with the goal of replacing their income completely, so they can provide the quality of life for their family that many people dream of.

He continues to set standards for himself, and his education goal is to learn every aspect of investing, from financial management to building maintenance and repair. This will better outfit Yarborough to analyze properties for the client’s investments and profit potential.

Dallas Office Members

Cary Donham Capital Concepts

Cary Donham

Designation: Dallas Branch Manager
Email at: cary@4smartmoney.com
Office Number: (972) 573-9200
RMLO # 343248
Office Address: 106 Decker Ct, Suite 340
Irving, Texas 75062

Cary Donham is the Dallas Branch Manager for Capital Concepts Inc., a mortgage company specializing in investor lending. He has been in the real estate and mortgage lending field since 2000. Cary has been helping investors realize their dream of building wealth through passive income through his financing strategies. He has bought and sold more than 40 properties of his own over the years including building 4 new homes. His ability to understand housing from the ground up and his keen knowledge of mortgage lending have formed the perfect background to help investors finance their properties.

Houston Office Members

sean riley capital concepts

SEAN RILEY

Designation: Houston Branch Manager
Email at: sean@4smartmoney.com
Office Number: (713) 651-9500
EFax: (713) 651-9844
Personal Number: (713) 480-8040
RMLO # 224639
Office Address: 11200 Westheimer, Suite 777
Houston, Texas 77042

Sean Riley is the Houston Branch Manager for Capital Concepts with over 27 years of experience in the residential mortgage industry. He is a native Houstonian and an active Real Estate Investor. During his career he previously worked as an underwriter, so he has extensive knowledge of the lending guidelines. He is not a loan officer looking to just do one loan and be done. He focuses on helping his clients reach their Real Estate goals and grow their portfolio.

HELENA MARCOGUISEPPE

Designation: Sr. Mortgage Loan Officer
Email at: helena@4smartmoney.com
Office Number: (713) 651-9500
Direct Line: (832) 701-1789
EFax: (713) 651-9844
RMLO # 882988
Office Address: 11200 Westheimer Rd Ste. 777
Houston, Texas 77042

Helena is a Mortgage Loan Officer that has been in the residential real estate and mortgage industry since 2000. She has a background in property investments and management, real estate and lending. With today’s market constantly changing, it’s important to identify and recognize trends in the real estate market to be successful. Her knowledge and experience makes her the perfect partner in helping you achieve your goals. Whether you are a first time buyer or a seasoned investor, Helena meets the challenge with integrity and professionalism.

KELVIN ARIBODOR

Designation: Residential & Commercial Lending
Email at: kelvin@4smartmoney.com
Office Number: (713) 651-9500
EFax: (713) 651-9844
RMLO # 1489293
Office Address: 11200 Westheimer Rd Ste. 777
Houston, Texas 77042-3249

Kelvin Aribodor has 5+ years experience in Residential & Commercial Mortgage Lending and as a Professional Real Estate Investor. He has a portfolio of investment properties with a wide range of expertise, especially in Seller Financing and Renovation Projects. Being an Investor himself, he understands Real Estate Investors’ needs when it comes to mortgage financing.

San Antonio Office Members

JAKE HAHN

Designation: Residential & Investor Specialist
Email at: Jake@4smartmoney.com
Office Number: (210) 787-3805
Direct Line: (832) 701-1784
EFax: (713) 651-9844
RMLO # 2015331
Office Address: Capital Concepts Inc. NMLS# 221656
11200 Westheimer Rd # 777
Houston, Texas 77042-3249

Jake is a Mortgage Loan Officer involved in the real estate and mortgage industry since 2017. With a portfolio of his own rental properties and a wide range of technical expertise on the rehab process, he’s well-versed with the buy-and-hold process from start to finish. With plenty of experience as a borrower and investor, he understands investors’ needs when it comes to financing. He’s also a former U.S. Marine who loves helping fellow veterans access their VA loan benefits.

Jake has a Master’s Degree in Mechanical Engineering from Texas A&M with a background in Project Management and New Product Development.