About BoniFi Capital

Clear communication. Honest guidance. A better mortgage experience.

We’re here to help you make confident decisions at every step

Our Mission

Fast, Transparent, and Trusted
Mortgage Solutions

Before starting BoniFi I spent several years working at large mortgage companies and became a top-producing loan officer. I loved helping people but didn't love how limited the options were for borrowers. When you work at a Bank or Lender you are only able to offer their set of rates, costs and programs, even when better choices exist elsewhere.

I wanted to create a place where clients could have access to a marketplace of lenders, rates and guidelines in one place.

That’s why BoniFi Capital was started.

Our goal is simple:

Be transparent and genuine, close quickly, and deliver excellent financing.

It’s important to us to provide fast, reliable mortgage solutions with clear communication, honest guidance, and competitive pricing. We aim to make the mortgage experience transparent, supportive, and efficient from start to finish, always operating with integrity.

Josiah Bonifas

Founder
NMLS 1787475

Where We Operate

Hover over a state to see available loan options.

Owner occupied & business purpose loans
Business purpose loans only
No current loan options

Licensing and program availability subject to change. Contact BoniFi Capital for the latest options in your state.

Personal & Transparent

We guide you one-on-one, answering questions by call, text, or email. Our goal is simple: offer transparent advice, great loan options, and a mortgage experience that always feels clear, supportive, and fair.

Experienced & Efficient

We’ve helped over 1,700 clients close loans tailored to fit their specific needs. We always aim to streamline your experience from start to finish.

Looking out for you

With direct origination, access to 100+ lenders and wholesale pricing, we’re committed to finding financing that fits you, not a rigid guideline.

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+ Loans Closed

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Over $550M Funded

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Access to 100+ Lenders

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5-Star Reviews

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©2025 BoniFi Capital LLC. NMLS 2664654.
All rights reserved.

BoniFi Capital is a mortgage brokerage. All loans arranged through third-party lenders. Rates and terms subject to change.

Not all programs available in all states.
Currently serving PA, FL, and DSCR investors nationwide in 40+ states.

Matthew 22:37-39