Business Page
West Capital Lending.
Lender
4.8 stars
4712 Reviews
Markets served
Nationwide
Except the following states:
Alaska
Connecticut
District of Columbia
Delaware
Georgia
Hawaii
Illinois
Indiana
Louisiana
Maryland
Massachusetts
Mississippi
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
Oregon
Rhode Island
South Carolina
Vermont
West Virginia
Wisconsin
Wyoming
Nationwide
Except the following states:
Alaska
Connecticut
District of Columbia
Delaware
Georgia
Hawaii
Illinois
Indiana
Louisiana
Maryland
Massachusetts
Mississippi
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
Oregon
Rhode Island
South Carolina
Vermont
West Virginia
Wisconsin
Wyoming
Licenses
Company NMLS
#1566096
Additional info available at the
NMLS consumer access website
Additional Licenses & Information
DRE 02022356 NMLS 2012847 DRE 02270432
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 (4712)
4.8 stars
4712 Reviews
4.8 stars
4712 Reviews
0.0 star
0 Reviews
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.
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.
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!
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.
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.
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.
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!
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!
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!
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.
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.
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.
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!
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.
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.
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.
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!
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!
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!
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.
