West Capital Lending Reviews

West Capital Lending is a brokerage company that partners with lenders to provide loan options to its customers. It is available in 12 states and has been in business since 2016.

Because it’s a brokerage company, you’ll have the option to choose which lender fits your needs best. It partners with companies like Figure, Spring EQ, EPM Wholesale, Ad Mortgage, Kind Lending and Loan Stream Mortgage. West Capital Lending also works with Rocket Mortgage.

To start the loan process with West Capital Lending, fill out the loan application questionnaire. The questionnaire will ask about the following:

• The type of loan you’re applying for
• Home description
• Property use
• The state you’re in
• The timeline of purchase
• Whether you have an existing mortgage
• Estimated credit score
• Contact information

Once you’ve submitted this information, a company representative will reach out to further discuss your loan and lender options.

West Capital Lending does not provide loan rates on its site because it is a broker. You’ll have to contact the company to obtain that information from its different lending partners. Loan rates are based on the buyer’s credit, loan term length, size of down payment, loan-to-value ratio, market conditions and market competition.

West Capital Lending offers a variety of loan options, including:

• Conventional loans
• FHA loans
• VA loans
• Bank statement mortgages
• DSCR mortgages
• ITIN mortgages
• Interest-only loans
• Reverse mortgages
• HELOCs
• Home equity loans

West Capital Lending does not specify the length of terms that are offered for each loan, as it will change with each lender. However, common term lengths can range from 15 to 30 years. Long-term loans typically have lower monthly payments with a higher interest rate, whereas short-term loans may have higher monthly payments with a lower interest rate.

West Capital does not publish loan requirements on its site because they vary with each of its lending partners. While requirements are different for each loan and lender, most lenders require a good credit score, proof of income, a low debt-to-income ratio and a down payment.

West Capital Lending does not disclose any costs or fees on its site. Costs and fees will depend on which lender West Capital Lending suggests for your loan.