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9 Reviews

West Capital Lending Mortgage Review

Written by

Bestmoney Staff

December 8, 2025

•

2 min

West Capital Lending Summary

West Capital Lending offers a broad selection of mortgage options including FHA, VA, Non-QM, and investment property loans. Licensed in 43 states and Washington, D.C., the company provides flexible solutions for a wide range of borrowers—especially self-employed individuals and investors—through fast closings and tailored support.

West Capital Lending Pros & Cons

Pros

Diverse loan product offerings

Accessible to various credit profiles

Multiple lender and investor options

Licensed in 43 states and D.C.

Cons

Limited rate information online

No live chat support

Key Figures

Loan Types: Conventional, FHA, VA, Non-QM, HELOC, Home Equity, Reverse Mortgage, Interest-Only
Loan Products: Purchase, Refinance, Cash-out, Investment Property Loans
Minimum Credit Score: Typically 620 for conventional loans; varies by product
Repayment Terms: 10–30 years, depending on loan type

How It Works

Initial Inquiry: Prospective borrowers begin by completing an online questionnaire detailing loan type, property information, and personal financial data.
Pre-Qualification: Based on the initial information, a loan originator contacts the applicant to discuss potential loan options and gather necessary documentation.
Application Submission: Applicants submit required documents, such as income verification and credit history, for formal review.
Loan Processing: The application undergoes underwriting, where eligibility and terms are assessed.
Closing: Upon approval, closing documents are prepared, and the loan is finalized.

Types of Loans

West Capital Lending provides a variety of mortgage products:

Conventional Loans: Standard loans not backed by government agencies, suitable for borrowers with stable income and good credit.
FHA Loans: Government-insured loans with lower down payment requirements, ideal for first-time homebuyers.
VA Loans: Loans guaranteed by the Department of Veterans Affairs, available to eligible veterans and active-duty service members.
Non-QM Loans: Loans for borrowers with non-traditional income documentation, such as self-employed individuals.
HELOCs and Home Equity Loans: Options for homeowners to access equity for various financial needs.
Interest-Only Loans: Loans where borrowers pay only interest for a set period, potentially lowering initial payments.

Loan Features

Flexible Down Payments: Options as low as 3% for qualified borrowers.
Alternative Income Verification: Non-QM loans allow for bank statement-based income verification.
Investor-Friendly Products: Loans tailored for investment properties, including DSCR loans.
Quick Closing Times: Some loans close in as few as 3 business days.
Dedicated Loan Officers: Personalized assistance throughout the loan process.
Online Application: Secure and user-friendly online application process.
Mobile Notary Services: Convenient document signing options.

Rates and Terms

West Capital Lending does not publish specific rate information online, as rates vary based on individual borrower profiles, loan types, and market conditions. Repayment terms typically range from 10 to 30 years, depending on the selected loan product. Borrowers are encouraged to contact the company directly to obtain personalized rate quotes and terms.

Summary

West Capital Lending offers a comprehensive suite of mortgage products designed to meet diverse borrower needs. Their range of loan options, including government-backed and non-traditional loans, combined with personalized service, positions them as a versatile choice for various home financing scenarios. While the lack of online rate information and live chat support may require additional steps for prospective borrowers, the company's broad offerings and dedicated assistance provide valuable resources for those seeking mortgage solutions.

Contact West Capital Lending

Phone: (855) 620-0238
Email: info@westcapitallending.com
Address: 24 Executive Park, Ste 250, Irvine, CA 92614

Methodology

This review was compiled using information from West Capital Lending's official website, customer reviews, and third-party financial resources. All information has been verified for accuracy and compliance with RESPA and CFPB guidelines.

Disclaimer:

AI was used in the generation of this content, along with human verification.

FAQs

What is the minimum credit score required?

Typically, a credit score of 620 is needed for conventional loans; however, requirements may vary based on the loan product.

Does West Capital Lending offer loans in all states?

The company is licensed in 43 states and Washington, D.C.

Are there options for self-employed borrowers?

Yes, Non-QM loans are available, which consider alternative income documentation like bank statements.

How quickly can a loan be closed?

Some loans, such as HELOCs for investment properties, can close in as few as 3 business days.

Is there an online application process?

Yes, applicants can start the process through a secure online application on the company's website.

Written byBestmoney Staff

The BestMoney editorial team is composed of writers and experts covering a full range of financial services. Our mission is to simplify the process of selecting the right provider for every need, leveraging our extensive industry knowledge to deliver clear, reliable advice.

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Trustpilot reviews

See what some customers are saying about West Capital Lending

Poor • reviews 9

Excellent

22%

Great

Average

Poor

Bad

78%

We upload 100 to 400 Trustpilot reviews to our website daily, displaying them by default from "best" to "worst". You have the option to adjust the sorting criteria. If you wish to see all reviews, you can visit Trustpilot's website here.

Sort by

Geri Biree

9 months ago

Aaron

Aaron, was the reason my experience was so great. He made sure that I understood everything. He was always on top of any issue. He made me feel comfortable because I was unsure about doing business with someone out of state, especially since I was handling the process online and providing private information. After, talking with Aaron for a week I felt he was the right person for me. I would not hesitate to refer him to a friend

1 year ago

Still amazed at how simple, easy and fast their whole process was

Still trying to wrap my head around how easy the entire process was. Started and closed in about 72hrs. Everything was done online except the Notary, but only because CT does not allow it. Even after having the money deposited, I am still waiting for the catch. So far the hook is still empty. Raffi A. was extremely patient and if he was ever annoyed with me and all my questions (I can honestly say I would have been), he NEVER showed it even after talking and still not believing for over a combined hour. The biggest reason we chose West Capital was because of the time to close and receive the money since time was of the essence. Most of the other companies were looking at 2-4 weeks to close for a lot less cash out and a lot more hoops to through. Thank you again Raffi and West Capital.

dan b

2 weeks ago

should have come to trustpilot first

should have come to trustpilot first - big promises (fast - takes hours, not days, best rates, favorable terms) The 'offer' took credit scores and and intial take - they came back with a 3% origination fee (+other fees), 7.7% rate, semi-predatory IMO, then when the 'chat' stayed up i asked for them to destroy the files and close the loan.....ghosted.... HNW individual, lots of assets..

Bryan G

4 weeks ago

Avoid if you don't have W2 income or live in a condo

I applied with West/Figure back in March, and the process turned into nearly two months of frustration. My original application went through without the condo unit number showing correctly. The loan officer apparently got the property value pulled in behind the scenes, and I made it all the way to the document stage after Plaid income verification was approved. Then underwriting called and told me the application had to be deleted and restarted because the unit number was missing. That is where the problems really began. Figure’s system did not have the correct unit number for my condo, and it took about three weeks just to get that fixed. When I restarted the application, Plaid was run again and suddenly showed zero income, even though it had worked the first time. I also tried the IRS income route, but that estimate came in below what I had actually made and was already two months outdated. I repeatedly reached out to the loan officer for help understanding what had been done the first time and how to move the new application forward, but communication was poor. It took constant follow-ups and complaints just to get responses. I even tried disconnecting Plaid through both Figure and my bank, but nothing resolved the issue. In the end, I had to walk away after almost two months of aggravation. My takeaway: if you have a straightforward W-2 job and a standard single-family home, this system may work fine. But if you have a condo, unit-number issues, gig income, or anything that requires human review and flexibility, I would be very cautious. The automated systems are rigid, and once something goes wrong, it can become extremely difficult to fix.