Your Home. Your Terms. Your Lender

We shop dozens of lenders so you don't have to - and we're with you every step of the way

DIVERSE FINANCING SOLUTIONS FOR EVERY HOMEOWNER

Explore our range of specialized loan programs

tailored to meet your specific financial needs.

Fannie Mae/Freddie Mac Loans

Traditional Loans at lower prices
- Conventional
- FHA
- VA
- USDA

Non-QM Loans

Flexible loans for people who don't fit standard criteria.
- Bank statement loans 1yr+
- DSCR Loans
- Asset Loans
- No Income loans

Fix and Flip Loans

Short-term loans for investors to buy, renovate, and quickly sell a property.
- Up to 90cltv
- Low credit

HELOC

Flexible lines of credit that lets you borrow against the equity.
- Quick close
- Can close in LLC
- Bank statement HELOCS

Contact Us

OUR TEAM IS HERE TO

ASSIST YOU AT ANY TIME.

Whether you have a question about mortgage rates, pre-approval requirements, or loan programs, please contact us using the information below.

NMLS LICENSED PROFESSIONALS

CUSTOMIZED LOAN SOLUTIONS

SECURE & CONFIDENTIAL PROCESS

BOOK NOW

MAKE AN APPOINTMENT

Select a time that works for you, and let’s discuss your homeownership goals

STILL NOT SURE?

Frequently Asked Questions

The most common mortgage questions — answered straight, no jargon.

Can I buy a home with no traditional income?

Yes. We have specialized programs designed for this. Typically these options require a 20% down payment and a credit score over 700.

I'm self-employed, do I have to show two years of tax returns?

Not necessarily. As a broker, we have access to Bank Statement Loans and Profit & Loss (P&L) Loans — meaning we can often qualify you using 12–24 months of bank deposits instead of your net tax return income.

What is a DSCR loan, and do I need personal income to qualify?

DSCR stands for Debt Service Coverage Ratio. It's an investor loan for rental properties where qualification is based entirely on the rental income potential of the property — not your personal income or tax returns.

Do you handle government-backed loans like FHA, VA, or USDA?

Absolutely. We offer a full suite of traditional loans, including low-down-payment FHA loans, zero-down USDA loans for rural properties, and zero-down VA loans for veterans and service members.

What exactly is the Broker Advantage?

A traditional bank can only offer their own loan products. As an independent broker, we sit on your side of the table — shopping your scenario across dozens of wholesale lenders to find the best rate and lowest fees for your specific situation.

TESTIMONIALS

People Love Us

SHAUN INGRAM

Branch Manager NMLS# 1972074

Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

COMPANY INFO

WEST CAPITAL LENDING, inc.

DRE# 02022356

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Address: 17911 Von Karman Ave, Suite 400, Irvine CA 92614

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