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Business Page


business profile image

West Capital Lending

Lender
4.8 stars
1602 Reviews

Markets served


Nationwide

Except the following states:

Alabama
Alaska
California
Colorado
Connecticut
District of Columbia
Delaware
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
North Carolina
North Dakota
Ohio
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Texas
Utah
Vermont
Washington
West Virginia
Wisconsin
Wyoming
Nationwide

Licenses


Company NMLS
#2012847
Additional info available at the NMLS consumer access website

Additional Licenses & Information

1566096
02022356

About us


We are a trusted, 5-star rated lending partner, offering tailored mortgage solutions to both investors and first-time homebuyers. With access to over 150 top-tier lenders, we specialize in providing flexible, creative financing options designed to meet the unique needs of our clients. Whether you are an investor looking to grow your portfolio or a first-time homebuyer ready to step into the market, we are here to help you navigate the process and secure the right financing.

Our Services Include:

DSCR Loans (Debt Service Coverage Ratio): Ideal for real estate investors seeking rental property financing.
Bank Statement Loans (12 to 24 months): Flexible qualification based on bank deposits, ideal for self-employed borrowers.
P&L Loans: Ideal for business owners looking to qualify with a audited P&L from their CPA.
Conventional Loans: Competitive rates for those with traditional financial profiles.
FHA Loans (Federal Housing Administration): Low down payment and flexible qualification for first-time homebuyers or those with less-than-perfect credit.
VA Loans (Veterans Affairs): Special financing options with no down payment and favorable terms for eligible veterans, active-duty military, and their families.
Down Payment Assistance Programs: Helping first-time buyers and those with limited savings access homeownership.
1% Down Programs: Low down payment options for buyers with minimal upfront capital.
HELOC (Home Equity Line of Credit): Access to flexible, revolving credit based on home equity.
HELOAN (Home Equity Loan): Lump-sum financing using home equity for various needs.
Reverse Mortgages: Helping seniors access the equity in their homes to support retirement.

Why Choose Us:

Extensive Lender Network: Over 150 trusted lenders offering a wide variety of loan products.
Proven Expertise: A team dedicated to understanding the unique needs of investors and first-time buyers.
Client-Focused Approach: A seamless and transparent process with a 5-star client satisfaction rating.
Customized Financing Solutions: We provide options that help you secure funding, no matter your financial situation.
Our Commitment: We pride ourselves on being a lender-friendly partner that makes the process easier and more accessible. Whether you are expanding your investment portfolio or securing your first home, we’re here to offer the support, guidance, and financing solutions that will empower you to succeed.

Specialties


Conventional & Gov.

Refinance (investment)
Conventional Rental Loan
VA Loan
Conventional Loan
Refinance (primary home)
FHA

Hard/Private/Non-QM

DSCR (long-term rental)
DSCR (short-term rental)
Refinance (investment)

Reviews (1602)


4.8 stars
1602 Reviews
4.8 stars
1602 Reviews
0.0 star
0 Reviews

reviewer image
5.0 stars
|
5 days ago
Reviewed by kristen petron
Thomas Carson is your go to lender!!! He is the best!!! So helpful and thorough. Lays out all options in detail and works to help you reach your goals and save you money. He makes sure to help you get through all obstacles and helps you from start to finish of your lending needs. He really is the BEST!!!
reviewer image
5.0 stars
|
a week ago
Reviewed by Daniel Moreno
Mitch was a pleasure to work with loved how he and Minh were always willing to answer any and all questions I had through out the process. My financial situation was a little tricky but Mitch and the team were able to get it done in the end. They got my family and I into our first home! Would recommend Mitch and the team at west capital lending to anyone that’s looking to purchase a home.
reviewer image
1.0 star
|
a week ago
Reviewed by Nancy P.
They assured me the loan was approved then kept delaying closing by asking the same questions twice, which i promptly answered, asking for the same documents, which i promptly submitted. Some questions should have been asked much sooner. I paid $675 for the home appraisal, which was a lot lower than my home is worth. They kept "stringing me along," saying the loan would close very soon. Then they just disappeared. According to BBB there were complaints and they found unlicensed agents
reviewer image
5.0 stars
|
a week ago
Reviewed by Sandra Harding
I loved working with West Capital. They made the process very fast and easy. We were never left in the dark about anything. I will definitely recommend West Capital Lending to family and friends. Thank you Adriana, Kenzie & Kai! You all are definitely the best!
reviewer image
5.0 stars
|
a week ago
Reviewed by Rick King
Outstanding customer service. Was a little apprehensive going into a refi, but Aaron B. was very professional and kept in constant communication every step of the way. I HIGHLY recommend West Capital Lending if you’re looking to refinance! Big thank you!
reviewer image
5.0 stars
|
a month ago
Reviewed by Jeff Arnett
Rami Abbas was awesome to deal with. Also his assistant. Very quick, professional, creative, and helpful. Caught my vision of what I was trying to accomplish with the equity in my home. Got me an awesome appraiser who made it easy, and the closing went smooth and flexible so I could sign at night and knock it out. Helped me avoid mortgage insurance, too. Vetted and verified. Good shop.
reviewer image
5.0 stars
|
2 months ago
Reviewed by Lilly Nguyen
Shout out to Austin Beck! I was lucky to have the pleasure of working with him during my recent mortgage loan. I can't express how exceptional he was throughout the whole process, from talking me through each step, explaining things to me in detail and finding the best methods to help best suit my needs. He has such a vast understanding of different loan options and tailored the process to fit what would work best, despite my complicated situation. Not to mention he was incredibly responsive, always available to answer questions or concerns. His thorough and supportive explanations always made what would otherwise be a stressful process, feel seamless. He really went above and beyond to ensure I felt informed and confident in my decisions. If you're looking for a someone to help you provide guidance, is extremely knowledgeable and dedicated... Austin is your guy! Could not have asked for a better person to help me navigate through everything!
reviewer image
5.0 stars
|
2 months ago
Reviewed by Shannon Braden
To say that Sam is good at his job is an understatement. He’s amazing! He fully partnered with us to find the best solution for our needs. He was incredibly helpful and so kind. He checked in with me every single day and handled all of the footwork. I barely lifted a finger! He truly went above and beyond to help us have a full understanding of our options. I really cannot recommend Sam highly enough. Securing funding for any project is a daunting task, but with Sam by our side it was an easy, straightforward and enjoyable experience. Thank you Sam and everyone at West Capital Lending!!
reviewer image
5.0 stars
|
5 days ago
Reviewed by kristen petron
Thomas Carson is your go to lender!!! He is the best!!! So helpful and thorough. Lays out all options in detail and works to help you reach your goals and save you money. He makes sure to help you get through all obstacles and helps you from start to finish of your lending needs. He really is the BEST!!!
reviewer image
5.0 stars
|
a week ago
Reviewed by Daniel Moreno
Mitch was a pleasure to work with loved how he and Minh were always willing to answer any and all questions I had through out the process. My financial situation was a little tricky but Mitch and the team were able to get it done in the end. They got my family and I into our first home! Would recommend Mitch and the team at west capital lending to anyone that’s looking to purchase a home.
reviewer image
1.0 star
|
a week ago
Reviewed by Nancy P.
They assured me the loan was approved then kept delaying closing by asking the same questions twice, which i promptly answered, asking for the same documents, which i promptly submitted. Some questions should have been asked much sooner. I paid $675 for the home appraisal, which was a lot lower than my home is worth. They kept "stringing me along," saying the loan would close very soon. Then they just disappeared. According to BBB there were complaints and they found unlicensed agents
reviewer image
5.0 stars
|
a week ago
Reviewed by Sandra Harding
I loved working with West Capital. They made the process very fast and easy. We were never left in the dark about anything. I will definitely recommend West Capital Lending to family and friends. Thank you Adriana, Kenzie & Kai! You all are definitely the best!
reviewer image
5.0 stars
|
a week ago
Reviewed by Rick King
Outstanding customer service. Was a little apprehensive going into a refi, but Aaron B. was very professional and kept in constant communication every step of the way. I HIGHLY recommend West Capital Lending if you’re looking to refinance! Big thank you!
reviewer image
5.0 stars
|
a month ago
Reviewed by Jeff Arnett
Rami Abbas was awesome to deal with. Also his assistant. Very quick, professional, creative, and helpful. Caught my vision of what I was trying to accomplish with the equity in my home. Got me an awesome appraiser who made it easy, and the closing went smooth and flexible so I could sign at night and knock it out. Helped me avoid mortgage insurance, too. Vetted and verified. Good shop.
reviewer image
5.0 stars
|
2 months ago
Reviewed by Lilly Nguyen
Shout out to Austin Beck! I was lucky to have the pleasure of working with him during my recent mortgage loan. I can't express how exceptional he was throughout the whole process, from talking me through each step, explaining things to me in detail and finding the best methods to help best suit my needs. He has such a vast understanding of different loan options and tailored the process to fit what would work best, despite my complicated situation. Not to mention he was incredibly responsive, always available to answer questions or concerns. His thorough and supportive explanations always made what would otherwise be a stressful process, feel seamless. He really went above and beyond to ensure I felt informed and confident in my decisions. If you're looking for a someone to help you provide guidance, is extremely knowledgeable and dedicated... Austin is your guy! Could not have asked for a better person to help me navigate through everything!
reviewer image
5.0 stars
|
2 months ago
Reviewed by Shannon Braden
To say that Sam is good at his job is an understatement. He’s amazing! He fully partnered with us to find the best solution for our needs. He was incredibly helpful and so kind. He checked in with me every single day and handled all of the footwork. I barely lifted a finger! He truly went above and beyond to help us have a full understanding of our options. I really cannot recommend Sam highly enough. Securing funding for any project is a daunting task, but with Sam by our side it was an easy, straightforward and enjoyable experience. Thank you Sam and everyone at West Capital Lending!!

Our Team


Sergio Eulloqui
Lender