Rebecca Alley

Grounded by Authenticity, Guided by Instincts

By Robbyn Moore

Photos by Tracie Seeley with Downriver Real Estate Photography

Eighteen years ago, Rebecca Alley was a full-time college student, working three jobs and doing everything she could to prepare herself for a successful future in business and finance. Knowing Rebecca’s fierce drive and determination, a friend approached her about a position at a mortgage company, and without hesitation, Rebecca showed up for the interview and never looked back.

Shortly after Rebecca’s entry into the mortgage banking business was the housing market crash. In the midst of the chaos, Rebecca surrounded herself with positive influences and stayed above the “noise,” ultimately finding her voice — despite being extremely young during a scary and unpredictable time. She put her focus and commitment to her work and became a nationally ranked top 1% producer.

“The crash taught me about myself, life, who I wanted to surround myself with and how I wanted to be represented,” Rebecca recalled. “I discovered the type of business I wanted to cultivate for my clients, and most importantly, the mark I wanted to leave in this industry.” After nearly 19 years in the mortgage banking industry, those feelings have not changed for Rebecca.

Rather than view the housing market crash as a disappointment when she was building her business, Rebecca viewed the moment as a golden opportunity to authentically establish herself within the industry. It also changed the way mortgage companies managed their business — forcing out the not-so-great, dishonest companies and leaving the strong, ethical businesses standing. “The fall of the market pressured accountability within the industry to have better, stronger, more progressive underwriting guidelines for borrowers,” Rebecca explained. “This led to enhanced experiences and success at the closing table. Rates will always fluctuate depending on the cycle that we are in, but one thing that will never fluctuate is our ability to provide attention to detail, personal drive and passion for our clients and partners.”

In 2010, Rebecca knew she had found her professional home when she joined the Capital Mortgage Funding team. “From the first moment I sat in my office, I felt like I had always been there. I was surrounded by great energy, professionalism, competition and camaraderie,” she said. Rebecca quickly realized that she was part of not only an amazing, award-winning team but also a family. “Co-founders Harry Glanz and Dan Burke of Capital Mortgage Funding are the highest caliber of people who lead by example,” she added. “They show up to the office every day full of encouragement, enthusiasm and support. When you are surrounded by greatness, naturally some of that greatness becomes a part of you.”

As a vice president mortgage banker, Rebecca believes there’s much more to the mortgage process than numbers and dollar signs. “We find responsibility in making sure every client we meet — whether it’s for a purchase or refinance — has the proper tools and support to get them to the finish line,” she explained. “We believe that communication is key in each transaction, and treating all our clients like family creates a lasting connection like none other. We’re building more than just a mortgage: We’re building our clients a future they can depend on.”

The company has been voted “Best Place to Work” by the Detroit Free Press multiple years in a row and is nationally ranked as a Top 10 lender licensed in all 50 states. Rebecca has personally earned rankings as a top 1% national mortgage originator in 2016-2021 and has been awarded by Scotsman Guide as a top mortgage originator. In 2022, Mortgage Women Magazine listed Rebecca as a top female loan originator in Michigan for both volume and unit sold. She is currently licensed in Michigan, Ohio, Indiana, California, Colorado, Florida, Georgia, Kentucky, Missouri, Tennessee, Texas, North Carolina and South Carolina, and is working toward adding several more this year.

“For me, communication is everything,” Rebecca said. “We are handling most individuals’ biggest investments. Whether they are purchasing a new home or refinancing their existing home, it is imperative that the experience be transparent. I treat everyone I work with the way I would want someone to treat my family. I believe in giving my clients and referral partners the kind of personal service they both need and deserve within the mortgage process, and a big part of that is having honest conversations. Saying what you mean, meaning what you say and following those words up with intentional action.”

Every Saturday on 97.1 FM from 9-10 a.m., Rebecca is a co-host on the “Hardcore Mortgage Show” sponsored by Capital Mortgage Funding. Each week they feature a real estate professional who joins the group to take live calls from their listening audience. “It’s a great interactive discussion that gives our referral partners a chance to connect with our listeners in a huge and different way,” Rebecca said. “It’s an opportunity to be real and candid, and talk about all the things that can come up when purchasing a home. Our guests can also be featured on the Hardcore Mortgage Podcast, which is on all major platforms and aired live on Facebook every Wednesday at 11:30 a.m.”

Looking back on her career up to this point, Rebecca said she would not trade any moments she experienced because it’s what has led her to where she is today. “To this day, I do not care how successful I may become; I will never forget where I started or about any prior struggles,” she said. “I am so grateful my parents gave me a strong foundation to stand on because that has always been a key factor in knowing who I am, and it gave me the confidence in moments of doubt to stay true to myself in all aspects of life.”

On December 31, 2021, Rebecca married Miquel, the love of her life. Together, they have two beautiful daughters — Audriana, 14, and Taliyah, 9. When Rebecca’s not working, you can find her with friends and family having a good time and surrounded by love and laughter. She enjoys working out daily, snowboarding and playing with her dogs Cha-chi, Petrie and Chula. She also has an adorable Lionhead rabbit named Mopsy-Flopsy.

Capital Mortgage Funding was founded in the spring of 1992. From the beginning, it has been proving itself as a leader in the mortgage banking industry and is now one of the largest independently owned mortgage banking firms in Southeast Michigan. In October of 2014, Capital Mortgage Funding became part of the Fairway Independent Mortgage Corporation — a top 10 lender — which allows Capital Mortgage Funding to operate in all 50 states. For more information, visit to capitalmortgagefunding.com.

PARTNER SPOTLIGHT Rebecca Alley from Capital Mortgage Funding