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WEST CAPITAL LENDING - Armando Bon

Lender
4.8 stars
4712 Reviews

Markets served


Alabama
Arizona
California
Delaware
Florida
Idaho
Iowa
Kansas
Michigan
Minnesota
New Mexico
North Dakota
Oklahoma
Pennsylvania
Texas
Utah
Washington
West Virginia
Wyoming
Alabama
Arizona
California
Delaware
Florida
Idaho
Iowa
Kansas
Michigan
Minnesota
New Mexico
North Dakota
Oklahoma
Pennsylvania
Texas
Utah
Washington
West Virginia
Wyoming

Licenses


Company NMLS
#1566096
Additional info available at the NMLS consumer access website

Additional Licenses & Information

NMLS 1245766
DRE 02231147

About us


I help real estate investors find financing that fits the deal—not force the deal into one lender’s box. As an independent mortgage broker with access to a wide network of lending partners, I can compare multiple programs and structures to find the right combination of leverage, pricing, and flexibility.

I work with investors ranging from first-time rental property buyers to experienced investors building and expanding their portfolios. Financing options include DSCR loans, conventional financing, fix-and-flip and bridge loans, short-term rental financing, cash-out refinances, HELOCs and second liens, bank statement and other Non-QM programs, as well as financing for 5+ unit multifamily and commercial properties.

Because I’m a broker rather than a single lender, I’m not limited to one set of guidelines. If a deal doesn’t fit one lender, I can often restructure it or move it to another lending partner without the investor having to start the search all over again.

Whether you're buying your first investment property, refinancing to access equity, scaling a rental portfolio, or working through a more complicated scenario, my goal is straightforward: understand the deal, find the right financing strategy, and get it to the closing table.

Specialties


Conventional & Gov.

Refinance (investment)
Conventional Rental Loan
VA Loan
Conventional Loan
Home Equity (primary home)
Refinance (primary home)
USDA Loan
FHA

Hard/Private/Non-QM

Home Equity (investment)
Fix & Flip
DSCR (long-term rental)
DSCR (short-term rental)
Ground Up & Land Dev. Loan
Rehab for Buy & Hold
Balance Sheet Loan
Bridge Loan
Foreign National Loan
Refinance (investment)

Reviews (4712)


4.8 stars
4712 Reviews
4.8 stars
4712 Reviews
0.0 star
0 Reviews

reviewer image
5.0 stars
|
4 days ago
Reviewed by MIKEY POW
I had the pleasure of working with Mishel Kelshishia and Andrew from West Capital Lending and was so happy with the experience that I had during the process of refinancing, paying off my credit cards and cash out. Mishel and his team was very professional and helpful throughout the process by answering my questions and addressing my concerns in a timely fashion. My loan was approved quickly, closing was done within a week and had money in my bank within two weeks. I highly recommend Mishel and his team for whatever your loan needs are.
reviewer image
5.0 stars
|
Edited a week ago
Reviewed by Theresa Mathis
My loan officer, Zeke Estrella, was incredibly helpful throughout the entire process. I was overwhelmed by credit card balances and unsecured debt, and Zeke made me feel comfortable discussing my financial situation without any judgment. He took the time to understand my needs, offered practical solutions, and helped me eliminate most of my high-interest debt. The process was much faster than I expected. I received my funding just 7 business days after completing the initial application! Zeke was supportive, knowledgeable, and professional every step of the way. I’m extremely grateful for his assistance and would highly recommend working with him to anyone looking for financial solutions.
reviewer image
5.0 stars
|
a week ago
Reviewed by Ifeoma Essien
I had a great experience working with this broker throughout the process of securing my HELOC. He was extremely responsive, thorough, and took the time to explain everything clearly, making sure I understood each step of the process. He was professional, knowledgeable, and always willing to answer my questions. His communication and attention to detail made the entire experience much smoother and less stressful. I truly appreciate his help and would highly recommend him to anyone looking for a knowledgeable and dependable broker!
reviewer image
5.0 stars
|
2 weeks ago
Reviewed by kerry graham
I cannot say enough good things about the Sarah Gross and Tooba Lqbal who assisted me in the refinance process of my mortgage loan. From beginning to end, the entire experience was outstanding. Their professionalism, knowledge, responsiveness, and genuine commitment to helping me achieve my financial goals truly set them apart. They took the time to explain everything, and when we ran into potential roadblocks, they took the lead in overcoming barriers and managing communications with minor involvement on my part. I felt like I was in very capable hands. I strongly advise anyone who's looking for a mortgage loan reach out to them.
reviewer image
5.0 stars
|
2 weeks ago
Reviewed by Dane
Buying our first house near Liberty Missouri. Brad was great. He worked with us to get the best financing rate. We actually went with a 15 year loan instead of 30 because the rate was so good and the amount of money we were going to save in interest. Very pleased.
reviewer image
5.0 stars
|
Edited 4 weeks ago
Reviewed by Andrew B
I had a fantastic experience with West Capital. Bryan Cifuentes and Veronica Menchaca were both outstanding throughout the entire refinance process. They were responsive, stayed on top of every detail, and were able to get everything done very quickly, even while working through several last minute issues. They ultimately made the loan happen when another lender could not, and they also delivered considerably better pricing than the competing offer I had. Bryan and Veronica really went above and beyond to get everything across the finish line. I would absolutely recommend West Capital to anyone looking for a mortgage or refinance.
reviewer image
5.0 stars
|
a month ago
Reviewed by George Penate
We couldn’t be more grateful for Reneil and everything he did to help us get into our new home. He went above and beyond throughout the entire process and genuinely cared about getting us the best outcome possible. What stood out most was his willingness to work the numbers and explore different options to help us close while keeping our out-of-pocket costs as low as possible. He was patient, responsive, knowledgeable, and always willing to take the time to explain things and find solutions. Thank you, Reneil, for your hard work, late-night calls and texts, and for truly caring about making this happen for us. We appreciate you more than you know and look forward to working with you again in the future!
reviewer image
5.0 stars
|
a month ago
Reviewed by Jim C. Prant
We couldn’t have asked for a better experience. From the very beginning, he was absolutely wonderful to work with—professional, knowledgeable, patient, and always available whenever we had questions or needed guidance. Buying a home can be a stressful and overwhelming process, but he made everything feel smooth and manageable. He took the time to explain every step clearly, kept us informed throughout the entire process, and worked incredibly hard to make sure everything was handled properly and on time. What impressed us the most was how much he genuinely cared about helping us. We never felt like we were just another client. He made us feel supported and confident from the beginning all the way through closing. We are extremely grateful for everything he did to help us get our mortgage and purchase our new home. His professionalism, dedication, communication, and personal attention were truly exceptional. We would recommend him without hesitation to anyone looking for a mortgage broker. Thank you for helping make our dream of owning our new home a reality!
reviewer image
5.0 stars
|
a month ago
Reviewed by Paul Placial
Here is my home in Kingman Arizona that professional Nathan Christopher got me a HELOC on. The other pictures are of my Golden Valley Land that I am going to build on. I would not have been able to finish the project without the loan Nathan helped me acquire. Nate is helping my dreams come true as an investor and real estate entrepreneur!
reviewer image
5.0 stars
|
3 months ago
Reviewed by Madelin M. De La Rosa
My overall experience with Cameron Oxberry at West Capital Lending was completely unexpected. He maintained follow up with me in a very suttle manner, reminded me of my deadlines and even re-answered all of my questions and quieted my fears. The application, document uploading and funding of the loan was super easy, convenient and fast. I have already recommended Cameron and West Capital Lending to my family.
reviewer image
5.0 stars
|
4 days ago
Reviewed by MIKEY POW
I had the pleasure of working with Mishel Kelshishia and Andrew from West Capital Lending and was so happy with the experience that I had during the process of refinancing, paying off my credit cards and cash out. Mishel and his team was very professional and helpful throughout the process by answering my questions and addressing my concerns in a timely fashion. My loan was approved quickly, closing was done within a week and had money in my bank within two weeks. I highly recommend Mishel and his team for whatever your loan needs are.
reviewer image
5.0 stars
|
Edited a week ago
Reviewed by Theresa Mathis
My loan officer, Zeke Estrella, was incredibly helpful throughout the entire process. I was overwhelmed by credit card balances and unsecured debt, and Zeke made me feel comfortable discussing my financial situation without any judgment. He took the time to understand my needs, offered practical solutions, and helped me eliminate most of my high-interest debt. The process was much faster than I expected. I received my funding just 7 business days after completing the initial application! Zeke was supportive, knowledgeable, and professional every step of the way. I’m extremely grateful for his assistance and would highly recommend working with him to anyone looking for financial solutions.
reviewer image
5.0 stars
|
a week ago
Reviewed by Ifeoma Essien
I had a great experience working with this broker throughout the process of securing my HELOC. He was extremely responsive, thorough, and took the time to explain everything clearly, making sure I understood each step of the process. He was professional, knowledgeable, and always willing to answer my questions. His communication and attention to detail made the entire experience much smoother and less stressful. I truly appreciate his help and would highly recommend him to anyone looking for a knowledgeable and dependable broker!
reviewer image
5.0 stars
|
2 weeks ago
Reviewed by kerry graham
I cannot say enough good things about the Sarah Gross and Tooba Lqbal who assisted me in the refinance process of my mortgage loan. From beginning to end, the entire experience was outstanding. Their professionalism, knowledge, responsiveness, and genuine commitment to helping me achieve my financial goals truly set them apart. They took the time to explain everything, and when we ran into potential roadblocks, they took the lead in overcoming barriers and managing communications with minor involvement on my part. I felt like I was in very capable hands. I strongly advise anyone who's looking for a mortgage loan reach out to them.
reviewer image
5.0 stars
|
2 weeks ago
Reviewed by Dane
Buying our first house near Liberty Missouri. Brad was great. He worked with us to get the best financing rate. We actually went with a 15 year loan instead of 30 because the rate was so good and the amount of money we were going to save in interest. Very pleased.
reviewer image
5.0 stars
|
Edited 4 weeks ago
Reviewed by Andrew B
I had a fantastic experience with West Capital. Bryan Cifuentes and Veronica Menchaca were both outstanding throughout the entire refinance process. They were responsive, stayed on top of every detail, and were able to get everything done very quickly, even while working through several last minute issues. They ultimately made the loan happen when another lender could not, and they also delivered considerably better pricing than the competing offer I had. Bryan and Veronica really went above and beyond to get everything across the finish line. I would absolutely recommend West Capital to anyone looking for a mortgage or refinance.
reviewer image
5.0 stars
|
a month ago
Reviewed by George Penate
We couldn’t be more grateful for Reneil and everything he did to help us get into our new home. He went above and beyond throughout the entire process and genuinely cared about getting us the best outcome possible. What stood out most was his willingness to work the numbers and explore different options to help us close while keeping our out-of-pocket costs as low as possible. He was patient, responsive, knowledgeable, and always willing to take the time to explain things and find solutions. Thank you, Reneil, for your hard work, late-night calls and texts, and for truly caring about making this happen for us. We appreciate you more than you know and look forward to working with you again in the future!
reviewer image
5.0 stars
|
a month ago
Reviewed by Jim C. Prant
We couldn’t have asked for a better experience. From the very beginning, he was absolutely wonderful to work with—professional, knowledgeable, patient, and always available whenever we had questions or needed guidance. Buying a home can be a stressful and overwhelming process, but he made everything feel smooth and manageable. He took the time to explain every step clearly, kept us informed throughout the entire process, and worked incredibly hard to make sure everything was handled properly and on time. What impressed us the most was how much he genuinely cared about helping us. We never felt like we were just another client. He made us feel supported and confident from the beginning all the way through closing. We are extremely grateful for everything he did to help us get our mortgage and purchase our new home. His professionalism, dedication, communication, and personal attention were truly exceptional. We would recommend him without hesitation to anyone looking for a mortgage broker. Thank you for helping make our dream of owning our new home a reality!
reviewer image
5.0 stars
|
a month ago
Reviewed by Paul Placial
Here is my home in Kingman Arizona that professional Nathan Christopher got me a HELOC on. The other pictures are of my Golden Valley Land that I am going to build on. I would not have been able to finish the project without the loan Nathan helped me acquire. Nate is helping my dreams come true as an investor and real estate entrepreneur!
reviewer image
5.0 stars
|
3 months ago
Reviewed by Madelin M. De La Rosa
My overall experience with Cameron Oxberry at West Capital Lending was completely unexpected. He maintained follow up with me in a very suttle manner, reminded me of my deadlines and even re-answered all of my questions and quieted my fears. The application, document uploading and funding of the loan was super easy, convenient and fast. I have already recommended Cameron and West Capital Lending to my family.

Our Team


Armando Bon