Key Figures
- Loan types: Conventional, FHA, VA, Non-QM, HELOC, DSCR, Bank Statement, Asset Utilization, Profit and Loss, Reverse Mortgage, Interest-Only
- Loan products: Purchase, Refinance, HELOC, Cash-out, Investment Property Loans
- Minimum credit score: Typically 550, varies by loan type
- Repayment terms: 5–30 years
Pros
- Multiple loan product options
- Experienced Loan Officers
- Flexible income verification for Non-QM loans
- Licensed in 48 states and Washington, D.C.
- Fast closing times on some products
Cons
How it Works
West Capital Lending has designed a straightforward mortgage process that emphasizes personal communication. Here are the steps borrowers typically follow:
- Initial Inquiry – Start by completing an online pre-qualification form that gathers information on loan type, property, and income.
- Loan Officer Contact – After submission, a licensed loan officer contacts the applicant to discuss available options and guides them through required documentation.
- Document Submission – Borrowers submit supporting documents such as proof of income, credit details, and property records.
- Loan Processing – The application is reviewed by underwriting, with updates shared throughout.
- Closing – Once approved, closing documents are prepared and a signing appointment is scheduled. Certain products offer expedited closing in as little as three business days.
This hybrid approach combines digital tools and personalized guidance for a comprehensive lending experience.
Types of Loans
West Capital Lending provides an extensive range of mortgage loans:
- Conventional Loans – Standard mortgages suitable for buyers with moderate to strong credit profiles.
- FHA Loans – Government-backed loans designed for borrowers with lower credit scores or minimal down payments.
- VA Loans – Available to eligible veterans and service members, these loans offer benefits such as no down payment.
- Non-QM Loans – Tailored for self-employed borrowers or those with unique income streams.
- HELOCs & Home Equity Loans – Allows homeowners to tap into their home equity for expenses like renovations or debt consolidation.
- Interest-Only Loans – Suitable for investors or those anticipating higher future income.
This wide selection ensures flexibility for borrowers ranging from first-time homebuyers to seasoned investors.
Loan Features
- Fast closings: Some programs, like HELOCs, may close in as few as 3 business days.
- Non-QM flexibility: Use bank statements for income verification.
- Mobile notary services: Available for document signing convenience.
- Investor-specific options: Includes DSCR loans for investment properties.
- Low down payments: FHA loans can require as little as 3.5%.
- Senior borrowing options: Reverse mortgage loans for those aged 62+.
- Nationwide reach: Licensed in 43 states and Washington, D.C..
Rates and Terms
West Capital Lending does not list specific interest rates or APRs on its website, as these depend on multiple factors, including credit score, loan type, property value, and location. Repayment terms typically range from 5 to 30 years. Borrowers must connect with a loan officer to receive personalized rate quotes and further details.
Summary
West Capital Lending stands out for its diverse loan offerings and borrower-friendly approach. With options for conventional, government-backed, and alternative income loans, the company addresses the varied needs of today’s mortgage borrowers. Though rate transparency and digital support could be improved, the brand’s strong national presence and specialized products like HELOCs and reverse mortgages add significant value for different borrowing profiles.
Contact West Capital Lending
- Phone: (855) 620-0238
- Email: info@westcapitallending.com
- Hours: Monday–Friday, 8 AM–5 PM PST
- Address: 24 Executive Park, Ste 250, Irvine, CA 92614
Disclaimer:
AI was used in the generation of this content, along with human verification.
