Halo Group Realty Lenders

Capacity Lending

  • NameDerek Goss
  • License621164
  • Phone469-688-9246
  • Get Started

Ask A Mortgage Question


Capacity Lending, LLC is a residential mortgage company licensed in the state of Texas. The company was founded in 2015 by Barrett Owens and Britt Morris to provided mortgage financing to customers of the DFW Metro area and Texas. Capacity is run by Derek Goss who has more than 10 years origination and management experience and more than 15 years in the business. Derek is Vice President of Capacity and works directly with our clients to find the right solutions to meet their needs and goals. “We understand the stress and challenges that come with the home buying process and want to ensure that our customers understand the options that are available to them to make the best decisions that align with their goals and intentions. We treat others the way we want to be treated and work to take the pain out of the mortgage process. Our goal is to create customers for life” Derek Goss Capacity originates FHA, VA, USDA, Conventional and Jumbo loans. We have both fixed rates and arms. You can apply online, by phone or in person. Visit our website at www.capacitylending.com and click on “Todays Rates” for a snapshot of some of our best rates. Call us today at 469-640-0400 or email dgoss@capacitylending.com . 1402 S Custer Road, Suite 503 McKinney, TX 75070 NMLS License # 1389331

About Kelly Tortorich

I am a native of North Texas and a proud Texas A&M Aggie! After college I decided to pursue a career in real estate following in the footsteps of my father who is a commercial real estate broker in DFW. This was a natural passion and progression as I began my career since as a child, I spent many days helping at my father’s office, joining him on building tours and showing properties to clients. After working several years in commercial real estate as a senior marketing account manager and property manager, I took the position of Director of Marketing & Operations for an up and coming residential real estate group, helping them grow into a thriving new company from the ground up.

While I enjoyed these positions and the experience gained, I decided to get my real estate license because I wanted to utilize my knowledge of the industry to work directly with clients to help them realize their personal and business real estate goals. Over the years I have worked with top agents, brokers and developers all over the country in the sale, purchase and development of residential, industrial and investment properties. As an equestrian I have a deep seeded love for farm & ranch properties. Growing up with a passion for horses, I rode from childhood at our family farm in North Texas through college at Texas A&M and continue to pursue my love for horses and other animals.

Leadership, Service & Integrity are the pillars of my personal work ethic. I strive to do my very best every time for every client. I want my clients to know that I take their transactions personally as if they were for my own family or business. I look forward helping my clients toward smooth efficient transactions and celebrating with them once completed!

I enjoy spending time with my husband and 2 wonderful girls. I have a passion for volunteering and have spent years serving as a Girl Scout leader, at our church, with Habitat for Humanity and other nonprofit groups supporting children in foster care, rescue animals and therapeutic riding groups. In my free time, I enjoy riding and competing my horses whenever possible.

Areas We Cover