Close Faster.
Choose Smarter.

150+ Lenders Working for You.

West Capital Lending connects California homebuyers, homeowners, and investors with the right loan
— backed by a network of over 150 lenders and a process built to close in as few as 5 days.

    NMLS 1987809

    Licensed Mortgage Broker

    Equal Housing Opportunity

    We lend fairly, always

    150+ Lender Network

    More options, better fit

    Licensed in 36 States

    Local expertise, broad reach

    5-Day Close Timeline

    Fast, efficient, no surprises

    Read what our clients say

    Loan Products Overview

    Find the Right Loan for
    Where You're Headed

    Whether you’re buying your first home, tapping your equity, or building a rental portfolio, we have a loan product designed for your situation.

    Purchase Loans:

    Get into the home you want with competitive financing options tailored to your timeline and financial profile.

    Read more
    Refinance:

    Restructure your existing mortgage to better align with your financial goals — whether that means a different term, monthly payment, or loan structure.

    Read more
    Cash-Out Refinance:

    Leverage the equity you've built in your home to fund renovations, consolidate debt, or cover major expenses.

    Read more
    HELOC / HELOAN:

    Access a flexible line of credit or a lump-sum loan secured by your home's equity — without touching your existing first mortgage

    Read more
    DSCR / Investor Loans:

    Qualify based on property cash flow, not personal income — ideal for real estate investors growing their portfolio.

    Read more
    VA Loans:

    Exclusive financing benefits for eligible veterans, active-duty service members, and surviving spouses — with no down payment required in most cases.

    Read more
    FHA Loans

    A Clear Path to Homeownership — Even With a Lower Down Payment.

    Read more
    How It Works

    Three Steps from
    Application to Close

    Step 1

    TELL US ABOUT YOUR GOALS

    Complete our short intake form or call us directly. We'll spend time understanding your purchase goals, timeline, credit profile, and financing needs before we make any recommendations.

    Step 2

    WE SHOP 150+
    LENDERS

    Instead of taking you to a single bank, we run your scenario across our entire lender network to identify the loan programs that fit your situation. You receive clear options with real numbers — no guesswork.

    Step 3

    CLOSE WITH
    CONFIDENCE

    Once you choose a direction, our team manages the file from application through closing. Our streamlined process is designed to close in as few as 5 days when conditions allow — keeping your deal on track

    Client Reviews

    Marcus T.Maria Barajas-Rios — ★★★★★ Google Review
    “This was the fastest transaction I’ve ever done. Easy, clear and seamless. He was timely with every communication and we closed in less than 5 days which is unheard of!”
    Jennifer R.
    Jennifer R.Jennifer Vollmer — ★★★★★ Google Review
    “He was so good to keep me calm during the process when I had fear and worries. He was consistently confident that my loan would go through when I wasn’t.”
     David K.
    David K.J & A Investment Group LLC — ★★★★★ Google Review
    “The team at West Capital Lending made the entire lending process smooth, transparent, and stress-free — incredibly knowledgeable, and proactive every step of the way.”

    Frequently Asked Questions

    How does West Capital Lending help me find the right loan?

    We compare your situation across our network of more than 150 lenders to find loan programs that match your goals, financial profile, property type, and timeline. This gives you more options than working with a single bank.

    What types of mortgage loans do you offer?

    We offer purchase loans, refinancing, cash-out refinancing, HELOCs, home equity loans, VA loans, DSCR loans, and other financing options for homebuyers, homeowners, and real estate investors.

    How quickly can my mortgage close?

    Our streamlined process is designed to close eligible loans in as few as five days. The actual closing time depends on the loan program, property, documentation, appraisal, and other required conditions.

    Do I need to commit before discussing my loan options?

    No. You can submit the form or speak with one of our advisors to learn about the options available for your situation. There is no commitment required to have an initial conversation.

    Calculators

    Run the Numbers
    Before You Call

    Use our mortgage calculators to estimate monthly payments, compare loan scenarios, and understand
    how different terms affect your costs over time. These are planning tools — your actual figures will
    depend on your loan details.

    Your Advisor

    Experienced Advisors.
    Straightforward Guidance.

    When you call, you get Devon and his team — not a call center. Led by Branch Manager Devon Linkon (NMLS 1987809), they shop your scenario across 150+ lenders, explain the trade-offs in plain English, and stay on your file from the first conversation to closing day.

    Ready to See What You Qualify For?

    Fill out the form below and a West Capital Lending advisor will reach out within one business day to
    discuss your options — no commitment required.

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