Our Services
We are licensed to provide mortgage services in the following states. Contact us to explore your options based on your location.
Home Loans
Secure your future with our comprehensive purchase and equity solutions designed for every stage of homeownership. From providing the fast pre-qualification you need to make winning offers on a new home, to unlocking your current property's value with a stable, fixed-rate Home Equity Loan or a flexible HELOC, we have you covered. Whether you are buying for the first time or leveraging your equity for home improvements, our personalized plans help you move forward with clarity and confidence..
Refinancing
Optimize your mortgage with our tailored refinancing solutions. Choose a Rate and Term Refinance to capture a lower interest rate, shorten your loan term, or switch to a stable fixed-rate mortgage. If you're looking to leverage your home's value, a Cash-Out Refinance allows you to access your built-up equity for home improvements, debt consolidation, or major life expenses
AZ – Arizona
AR – Arkansas
IA – Iowa
ME – Maine
MN – Minnesota
MO – Missouri
NH – New Hampshire
SD – South Dakota
TN – Tennessee
VA – Virginia
WA – Washington
WI – Wisconsin
WY – Wyoming


Not sure if we operate in your state? Send us a message and we’ll guide you.

Empower your retirement by putting your home’s equity to work for you. Designed for homeowners aged 62 and older, a reverse mortgage allows you to convert a portion of your home’s value into tax-free cash without the burden of monthly mortgage payments. Whether you choose a lump sum, monthly installments, or a flexible line of credit, you retain full ownership and title to your home for as long as it remains your primary residence. It is a strategic way to supplement your income, cover healthcare costs, or simply enjoy a more comfortable and secure lifestyle during your golden years.
Empower your real estate portfolio with our streamlined Debt Service Coverage Ratio (DSCR) loan programs. Designed specifically for savvy investors, these loans focus on the cash flow and rental income potential of the property rather than your personal income or tax returns. Whether you are scaling your rental business or securing your first investment property, our flexible DSCR solutions provide the competitive rates and efficient closing times needed to maximize your returns and grow your wealth with ease.
Thanks to Robert, refinancing was quick and saved us a lot of money.
Our Projects
Helping clients secure their dream homes with confidence and the right financial solutions.
Home Loans
Tailored mortgage plans for first-time buyers.


Apply Now
Begin your loan process online
Contact
Reach out today for personalized mortgage advice and fast assistance.ralfaro@westcapitallending.com
NMLS 2783450 | NMLS 1566096
DRE 02022356
westcapitallending.com | My Website
Schedule an Appointment with Me
Email:
Phone
Call/Text: Direct: (949)379-1975
Cell: (949)237-7454
