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Business Page


business profile image

Western Capital Mortgage

Lender
5.0 stars
57 Reviews

Markets served


Alaska
Arizona
California
Florida
Nevada
Oregon
Texas
Arizona
California
Florida
Nevada
Oregon
Texas

Licenses


Company NMLS
#1916128
Additional info available at the NMLS consumer access website

More ways to connect


About us


We specialize in helping investor buyers and borrowers unlock the potential of creative financing options, providing tailored lending solutions that maximize their investment returns. With a deep understanding of alternative financing strategies, I offer flexible, innovative solutions that empower my clients to achieve their real estate goals with greater ease and profitability.

Specialties


Conventional & Gov.

Refinance (investment)
Conventional Rental Loan
VA Loan
Conventional Loan
Home Equity (primary home)
Refinance (primary home)
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
Bridge Loan
Foreign National Loan
Refinance (investment)

Reviews (57)


5.0 stars
57 Reviews
5.0 stars
57 Reviews
0.0 star
0 Reviews

reviewer image
5.0 stars
|
a month ago
Reviewed by Clara Gomez
Herman is incredible! We recently worked with Herman on a purchase that required an extremely fast turnaround, and he exceeded every expectation. From day one he was organized, proactive, and unbelievably responsive. He kept us updated at every step, solved problems before they ever reached us, and made what could’ve been a stressful process feel smooth and manageable. We closed in just 10 days, and honestly couldn’t have done it without his expertise and dedication. I’m so grateful for his professionalism and calm energy throughout the entire process. If you need someone who truly knows what they’re doing and will go above and beyond for you, Herman is the one!
reviewer image
5.0 stars
|
a month ago
Reviewed by Erik Rios
I had the pleasure of working with Herman, Jill and Candie. They were such a great team, they were communicating throughout the process and were there to answer any questions or concerns that I would have at random times. I had a challenging situation come up on my end and thought I was not going to get the final loan approval, but thanks to this teams hard work and commitment we were able to get the documentation that was needed and made it to the closing date as scheduled. They truly do go above and beyond for their clients and I was able to see that from all of them. Thank you guys for everything, it was a pleasure working with all of you.
reviewer image
5.0 stars
|
2 months ago
Reviewed by Belen Garcia
I had the pleasure of working with Herman on a challenging file, and I’m truly impressed by his dedication and professionalism. Despite several unexpected obstacles along the way, he stayed proactive and communicative throughout the process. He was committed to doing whatever it took to get this deal closed, and we made it happen! I highly recommend him to any client or agent looking for a loan officer who truly goes above and beyond.
reviewer image
5.0 stars
|
2 months ago
Reviewed by Daniel Contreras
Herman is an exceptional loan officer and a valued member of our team. He’s hardworking, professional, and always puts his clients’ best interests first. His dedication to providing top-tier service and securing the most competitive interest rates truly sets him apart!
reviewer image
5.0 stars
|
2 months ago
Reviewed by B Evan
We first met Herman in January 2025 when my husband and I started window shopping for homes. We saw a home that was having an open house and we decided to stop and look. What we didn't know was that we'd meet someone who would play such a big part in achieving one of our biggest goals -- becoming first time homeowners. From the very beginning, Herman made us feel comfortable and cared for — never once did we feel pressured to buy. Instead, he took the time to truly understand our situation, get to know who we were, built connection and trust, and helped us map out a plan that worked for us. Herman explained the entire process thoroughly, step by step, and made sure we understood every detail before moving forward. What really stood out was Herman’s patience and dedication — he guided us on how to strengthen our financial position, connected us with trusted professionals, and supported us through each milestone with care. When I got a new job, Herman celebrated with us and explained how it would strengthen our home-buying position. Every time we had questions — and there were many — Herman was always there, no matter what time of day. If Herman didn’t have an answer right away, he made sure to connect us with the right person who did. That level of responsiveness and commitment made all the difference. From start to finish, Herman supported us every step of the way. What could have been a stressful experience turned into a smooth and hopeful journey, thanks to Herman’s constant communication, encouragement, and genuine kindness. We always felt like Herman was on our side, truly invested in helping our family succeed. We’re beyond grateful for everything Herman’s done for our family, and we can’t recommend him enough to anyone looking for a loan officer who truly cares, goes above and beyond, and treats you like family. Herman and his team truly helped make our dream possible! With much gratitude, The Evangelista Family
reviewer image
5.0 stars
|
3 months ago
Reviewed by Mark Mercado
Herman never gave up despite our working visa status. He is positive and listen to our needs.
reviewer image
5.0 stars
|
3 months ago
Reviewed by Racquel Mercado
Herman is so professional and very knowledgable of his job. He gave us better rate and made the purchase possible for us despite we are Canadians. He never gave up. ❤️Big thanks to you Herman!!! You are the best!!!🎉👏👏👏
reviewer image
5.0 stars
|
5 months ago
Reviewed by Kiera Coskran
Herman is the best!!! We had a quick escrow timeline and he was able to get everything done way faster than other lenders were able too. Him and his team are super communicative and make us feel at ease throughout the whole home buying process. They’re very trustworthy people. We would absolutely work with them again in the future! Thank you so much, Herman and team! You’ve made our dreams come true 😊🏡
reviewer image
5.0 stars
|
a month ago
Reviewed by Clara Gomez
Herman is incredible! We recently worked with Herman on a purchase that required an extremely fast turnaround, and he exceeded every expectation. From day one he was organized, proactive, and unbelievably responsive. He kept us updated at every step, solved problems before they ever reached us, and made what could’ve been a stressful process feel smooth and manageable. We closed in just 10 days, and honestly couldn’t have done it without his expertise and dedication. I’m so grateful for his professionalism and calm energy throughout the entire process. If you need someone who truly knows what they’re doing and will go above and beyond for you, Herman is the one!
reviewer image
5.0 stars
|
a month ago
Reviewed by Erik Rios
I had the pleasure of working with Herman, Jill and Candie. They were such a great team, they were communicating throughout the process and were there to answer any questions or concerns that I would have at random times. I had a challenging situation come up on my end and thought I was not going to get the final loan approval, but thanks to this teams hard work and commitment we were able to get the documentation that was needed and made it to the closing date as scheduled. They truly do go above and beyond for their clients and I was able to see that from all of them. Thank you guys for everything, it was a pleasure working with all of you.
reviewer image
5.0 stars
|
2 months ago
Reviewed by Belen Garcia
I had the pleasure of working with Herman on a challenging file, and I’m truly impressed by his dedication and professionalism. Despite several unexpected obstacles along the way, he stayed proactive and communicative throughout the process. He was committed to doing whatever it took to get this deal closed, and we made it happen! I highly recommend him to any client or agent looking for a loan officer who truly goes above and beyond.
reviewer image
5.0 stars
|
2 months ago
Reviewed by Daniel Contreras
Herman is an exceptional loan officer and a valued member of our team. He’s hardworking, professional, and always puts his clients’ best interests first. His dedication to providing top-tier service and securing the most competitive interest rates truly sets him apart!
reviewer image
5.0 stars
|
2 months ago
Reviewed by B Evan
We first met Herman in January 2025 when my husband and I started window shopping for homes. We saw a home that was having an open house and we decided to stop and look. What we didn't know was that we'd meet someone who would play such a big part in achieving one of our biggest goals -- becoming first time homeowners. From the very beginning, Herman made us feel comfortable and cared for — never once did we feel pressured to buy. Instead, he took the time to truly understand our situation, get to know who we were, built connection and trust, and helped us map out a plan that worked for us. Herman explained the entire process thoroughly, step by step, and made sure we understood every detail before moving forward. What really stood out was Herman’s patience and dedication — he guided us on how to strengthen our financial position, connected us with trusted professionals, and supported us through each milestone with care. When I got a new job, Herman celebrated with us and explained how it would strengthen our home-buying position. Every time we had questions — and there were many — Herman was always there, no matter what time of day. If Herman didn’t have an answer right away, he made sure to connect us with the right person who did. That level of responsiveness and commitment made all the difference. From start to finish, Herman supported us every step of the way. What could have been a stressful experience turned into a smooth and hopeful journey, thanks to Herman’s constant communication, encouragement, and genuine kindness. We always felt like Herman was on our side, truly invested in helping our family succeed. We’re beyond grateful for everything Herman’s done for our family, and we can’t recommend him enough to anyone looking for a loan officer who truly cares, goes above and beyond, and treats you like family. Herman and his team truly helped make our dream possible! With much gratitude, The Evangelista Family
reviewer image
5.0 stars
|
3 months ago
Reviewed by Mark Mercado
Herman never gave up despite our working visa status. He is positive and listen to our needs.
reviewer image
5.0 stars
|
3 months ago
Reviewed by Racquel Mercado
Herman is so professional and very knowledgable of his job. He gave us better rate and made the purchase possible for us despite we are Canadians. He never gave up. ❤️Big thanks to you Herman!!! You are the best!!!🎉👏👏👏
reviewer image
5.0 stars
|
5 months ago
Reviewed by Kiera Coskran
Herman is the best!!! We had a quick escrow timeline and he was able to get everything done way faster than other lenders were able too. Him and his team are super communicative and make us feel at ease throughout the whole home buying process. They’re very trustworthy people. We would absolutely work with them again in the future! Thank you so much, Herman and team! You’ve made our dreams come true 😊🏡

Our Team


Herman A. Ramirez