West Capital Lending Reviews
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About West Capital Lending
West Capital Lending is a brokerage company that has been in business since 2016. It partners with lending companies to provide a variety of loan options to its customers. West Capital Lending is available in 43 states (plus Washington, D.C.) and offers a range of different loan programs to choose from.
- Multiple lending partners
- Range of loan programs to choose from
- Several nonqualified mortgage options
- Limited practical information available online
- Not available in all states
What is West Capital Lending?
West Capital Lending is a brokerage company that partners with lenders to provide loan options to its customers. It is available in 43 states and Washington, D.C. The company has been in business since 2016 and claims to have funded more than $20 billion in loans.
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, Sun West Mortgage Company, Kind Lending and Loan Stream Mortgage. West Capital Lending also works with Rocket Mortgage.
West Capital Lending loan types
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.
» MORE: 15-year vs. 30-year mortgage
West Capital Lending rates
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 cost and fees
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. That said, typical closing costs on a mortgage are between 2% and 5% of the price of the home.
West Capital Lending requirements
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 (620 is a common minimum for a conventional mortgage), proof of income, a low debt-to-income ratio and a down payment.
West Capital Lending application process
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 FAQ
How does West Capital Lending work?
West Capital Lending is a loan broker that partners with different lenders to provide a variety of loan options for its customers. It’s available in 43 states and offers multiple loan solutions that fit a variety of needs. The process starts with a straightforward online application. Once that’s completed, a representative will contact you to continue working on your loan.
Is West Capital Lending legit?
Yes, West Capital Lending is a legitimate company. It has been in business since 2016 and has helped fund over $2.7 billion in loans.
Where is West Capital Lending available?
West Capital Lending is available in 43 states, plus Washington, D.C. Here are the states West Capital Lending is not available:
- Connecticut
- Illinois
- Indiana
- Massachusetts
- Missouri
- New York
- Rhode Island
What credit score do you need for West Capital Lending?
The minimum credit score needed for a West Capital Lending loan will vary depending on the type of loan and lender you choose. Generally, a score of 620 is needed to qualify for a conventional mortgage. FHA loans have minimum scores of 500 or 580, depending on the down payment.
West Capital Lending Reviews
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- 4,863,102 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
West Capital Lending Company Information
- Company Name:
- West Capital Lending
- Address:
- 24 Executive Park, Ste. 250
- City:
- Irvine
- State/Province:
- CA
- Postal Code:
- 92614
- Country:
- United States
- Website:
- westcapitallending.com


