Our Services

We are licensed to provide mortgage services in the following states. Contact us to explore your options based on your location.

AL – Alabama
AR – Arkansas
AZ – Arizona
CO – Colorado
CT – Connecticut
FL – Florida
IA – Iowa
ID – Idaho
KS – Kansas
KY – Kentucky
ME – Maine
MI – Michigan
MN – Minnesota

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

MO – Missouri
ND – North Dakota
NE – Nebraska
NH – New Hampshire
NM – New Mexico
OK – Oklahoma
OR – Oregon
SD – South Dakota
TN – Tennessee
VA – Virginia
WA – Washington
WI – Wisconsin
WY – Wyoming

Get the right financing to confidently purchase your dream home. Whether you’re a first-time buyer or upgrading to your next property, we guide you step by step—from pre-qualification to closing—ensuring a smooth and stress-free experience. Our goal is to help you secure the best loan option tailored to your financial situation..

Take advantage of better rates and improve your financial position. Refinancing can help you lower your monthly payments, reduce your interest rate, shorten your loan term, or access cash from your home’s equity. We analyze your situation and recommend the best strategy based on your goals.

Unlock the value of your home and turn it into financial opportunity. Use your equity for home improvements, debt consolidation, investments, or major expenses. We offer flexible options designed to give you access to funds while maintaining financial stability.

low angle view photography of a gray building
low angle view photography of a gray building
pink metal frame photo
pink metal frame photo
white building
white building

Home Purchase

Refinance

Home Equity Loans

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.

REVERSE MORTGAGES

DSCR

Robert's Loan Hub

Helping clients secure their dream homes with confidence and the right financial solutions.

A bright, modern home with a welcoming front porch bathed in natural light.
A bright, modern home with a welcoming front porch bathed in natural light.
Home Loans

Tailored mortgage plans for borrowers

Close-up of hands signing mortgage documents over a sleek desk.
Close-up of hands signing mortgage documents over a sleek desk.
A family happily standing outside their new home with keys in hand.
A family happily standing outside their new home with keys in hand.
A professional mortgage advisor consulting with clients in a bright office.
A professional mortgage advisor consulting with clients in a bright office.
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