Honestly, this was a much smoother process than I expected. Nicholas Falini and Mari Ungos were both great to work with and made everything feel pretty straightforward. Nicholas was super quick with everything and didn't waste time going back and forth. He explained things clearly, got right to what mattered, and that made it really easy for me to make decisions without second guessing. Mari stayed on top of everything behind the scenes and kept things moving. Anytime something came up, she was already on it, which took a lot of stress off my plate. Overall just a really solid experience. If you're going through a loan and want people who are responsive and actually make things easier, I'd definitely recommend them. read more

After I contacted them they sent me this email From West Capital Lending in CA One gets these emails encouraging you that you can get a Heloc/Equity line of Credit when the final decision from the underwriters you can't. Hi Marylou, Killian Kidd at WCL has started a HELOC application on your behalf. WCL helps you access the cash you need by tapping your home equity with a HELOC. Here's what's next: Customize your offer Choose from a variety of rate, term, and payment options. Complete your application Digitally verify your identity, income, and speak with an eNotary*. Voila! Funding in just a few days! The process is fast, easy and only takes a few minutes to complete 100% online. Continue your application The application was continued over the phone explaining all they needed to know to determine a equity/Heloc only to find out this company based out of California and their underwriters did not approve going forward. This company knew where I lived in Florida and denied going further with my applications according to their underwriters. This company refused to take on the difficult circumstances of my son as co-owner and living in NY as I live in the residence in Florida. I would not consider to use this company. read more

What an amazing experience. Professional, expedient, knowledgeable and thorough. Fast closing and attractive rates with incentives. Lyn is amazing and doesn't miss a beat in ensuring total customer satisfaction. Fast and efficient closing. Simply amazing and highly recommended. (948) 518-1002 read more

West Capital Lending - Mortgage Lenders Near Me - Irvine, California

Hello, I would like to file a complaint against Daniel Becerril. His interactions with me and high-pressure sales was highly unappreciated. He was very rude and unpleasant to deal with. He basically called me stupid twice by saying "if you don't take our rate, it's a no-brainer" and recently when I told him I was going with another bank, he said " I'm assuming you signed with the other bank who is giving you the higher rate". Very insulting and condescending. He has no idea what deal I took with the another bank. And frankly, it's none of his business. You had my business until he started pressuring me. And then I told him to stop contacting me and he kept texting me, harassing me. I have all the texts if you need a copy. Thank you, Rob read more

STAY AWAY worked with West Capital on a HELOC. We nearly completed first loan in the disclosure I found it was variable rate. They told me that was all that was available so I was going to walk away. Then they "found" a heloc that met my needs and was fixed rate. We through the process got approved. Loan sold at the end of the 3 day disclosure period. 7 days later loan is accruing interest money still not in my account. I have been calling them for 3 days and keep getting stories that change slightly then apologies for miscommunication. Feels like a scam outfit. My next step is to contact law enforcement and hope for the best I guess. I will update this thread when I know more but STAY AWAY. ​ read more

This company called over and over both me and my husband while we were trying to decide if we needed their services. After determining they were a high interest high risk lenders and definitely not what someone with good credit and 2 owned homes, she then said something rude and hung up. This company reminds me of AFFIRM. BAD BUSINESS so I reported them to the BBB as well as California Attorney General. read more

Casey Weaver at West Capital Lending is not to be trusted. Therefore I would not trust this entire company. First of all, he promised a much lower rate and then continue to increase it and drag me along for months. Then he changed my loan to a 3 year pay penalty without notifying me and I noticed it when signing. At that point, I had no other options because of my timeline. I asked him to send me documentation of where he had informed me previously of the three year prepaid penalty when we had discussed a one year prepaid penalty and he was not able to produce anything. He assured me all phone calls were recorded, and that he had told me, but he was not allowed to share any transcripts. Then he sold the loan and did not inform the insurance company when they reached out about payment. This is loan sharking style. stay away from this company. read more

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. read more

Austin Beck was the best loan officer we've ever dealt with! We needed money to pay off debts as well as some capital for our business. With his guidance, we were able to pay off all our debt and get additional cash in pocket. The process was a bit daunting to us but he explained everything thoroughly and answered all our questions (there were many). The process was smooth and he got us great pricing from what I saw compared to other lenders. We will 100% be refinancing with him again once rates drop. We've already referred him to some family and friends. Thank you so much Austin and West Cap! read more

Wow! What a great experience it has been working with our Loan Officer/Branch Manager, Michael Saxon. First, he dispelled our misconceptions about reverse mortgages; thoroughly explaining in detail the legalities, pros and cons, the expected procedures to complete and close our loan and he stayed close to us throughout the entire process. Michael was incredibly responsive and attentive to our questions/concerns, and kept us informed of each step we needed to take. His follow up was impressive and so very helpful to us. He often anticipated and advised us of "next steps" along the way. I HIGHLY recommend Michael Saxon at West Capital Lending to anyone contemplating a mortgage loan of any sort. Our loan processor, Angeil Ghali, was also superb. She was in contact with us from beginning to closing. She was professional, friendly and very helpful when we raised any questions. A delight to work with. All in all our experience with Michael and Angeil was outstanding. Thank you both for such a smooth and timely process! read more

Thank you Austin Beck! After many failed attempts with different lenders, he was able to get it done. My parents were struggling to get qualified due their unique income and were denied from 3 different lenders. However, Austin assured me that as a broker he will have a program for them. Less than one month later, he got our loan approved and we finally got the cash needed for the business. We 100% recommend West Cap as their whole team was great, but make sure to specifically ask for Austin Beck! read more

Someone named Amy calls me every two hours offering to discuss home equity loans. The calls are from West Capital. I block and report spam but then the exchange number changes. It is harassment! The calls start at 8am every morning! read more

I had several prior lenders that wasn't as interested has me to purchased a home, so after working with Barry Taylor for several years from a different county, he gave me a lender that would listen to my financial goals to be able to manage an affordable home, he made it happen from westcapitallending.com named Eric Freiboth, he is great at his job and has wonderful manners to his clients and it would be a honor to give him a 10 star not 5 because he truly is good at want he does along with Mari Ungos from West Capital Lending. If you want great service, day and night, go to them. they know their stuff. Thank you both for a wonderful experience knowing I was in good hands Thank you, Victor & Davalyn Garcia read more

DON'T TRUST THIS COMPANY WITH YOUR PERSONAL INFORMATION! They were not responsible with our delicate personal information and allowed dozens of employees at the company and outside the company to view our personal information. NOT PROFESSIONAL! Caused us a lot of headaches because they miss handled personal information!! read more

First time home buyers here. Tyler and Mari covered it all. Detailed explanations, helping us understand everything through the process and zero pressure with guidance on what our decisions influence within the loan. Awesome team! Great coaches through the process and we felt actual customer service daily. Which is rare these days with most businesses. read more

I worked with Nick. He told me that he would review my credit to see if I can get a home loan. I never heard back from him. I tried to reach out a couple times and he just responded via text. I'm still working on it now. It's 3 weeks later. Never heard back. I think their staff is lazy when it comes to communication read more

Manager Russell Campbell has a very poor work ethic and since he is West Capital's Manager, you can imagine how the rest of the office operates. We talked for 15+ minutes, I was ready to start an application and lock-in a great rate on a $575k mortgage re-fi. His call waiting went off and he said he'd call me right back. He never called. Two days later I reached out and no apology. He says he has to run my credit and start an app before he can put the rate in writing (I had to ask several times for it in writing). I unlock all of my scores and take the time to provide him all the personal info needed for the app. He runs my credit (830+) and again, disappears! I send a follow up email...no response. I contact the person that referred me who says they are friends. He says he will talk to Russell. Days go by, still no response. He is completely gone...like a Nigerian Fraud artist. What a coincidence the rates went way up right after my first call with him. Because he did not call back, I was unable to lock the very low rate and it has yet to come back down. If this is how you want to be treated, this is your company! You are warned. read more

I am writing this review after trying to contact Ryles Murray and multiple representatives across this company for two consecutive months with absolutely zero response or resolution. The lack of professional ethics and accountability here is shocking. I refinanced my property with loan officer Sam Tebay, and the experience was a nightmare from start to finish. Getting my appraisal fee refunded was a strict condition for me to sign the closing documents. During the process, even the closing notary warned me that Sam was overcharging and trying to take advantage of me. I had to halt and reschedule the signing until we got our agreements in writing. Sam promised the figures would be fixed and that my refund would be sent one week after funding. It has been two months, and despite having this in writing, he is now refusing to issue my refund. Furthermore, I explicitly told him that including my property taxes and insurance in the loan (escrow) was an absolute must. He ignored my direct instructions and processed it the opposite way anyway. To top it all off, Sam explicitly assured me--even when I double-checked with him at the beginning of May--that my first payment would be due on June 1st. Instead, the company abruptly sold my loan, and I discovered my first payment was actually due in May. Because I relied on his false assurances, I was completely unprepared for an immediate May payment. This company lacks basic integrity, misleads clients, and breaches written agreements. Once they close your loan, they completely ghost you. Avoid Sam Tebay and this organization at all costs. Also he promised to match the interest rate from another lending company , once we are clear to Close , and of coarse they didn't , but I was force to because at that time the interest rates increased because of the global Conflict . read more

Brynn Locke you worked very hard to get me where I needed to be with my refi loan. I would advise anyone looking for a home loan to call Brynn Locke at WEST FINANCIAL LENDING 602-688-0730 read more

My West Capital Lending team, Hunter Postell and Shannon Ernster, were fantastic! Our refinance was extremely smooth and transparent. Couldn't ask for a better team! read more

Shout out to Austin Beck! I was lucky to have the pleasure of working with him during my recent mortgage loan. I can't express how exceptional he was throughout the whole process, from talking me through each step, explaining things to me in detail and finding the best methods to help best suit my needs. He has such a vast understanding of different loan options and tailored the process to fit what would work best, despite my complicated situation. Not to mention he was incredibly responsive, always available to answer questions or concerns. His thorough and supportive explanations always made what would otherwise be a stressful process, feel seamless. He really went above and beyond to ensure I felt informed and confident in my decisions. If you're looking for a someone to help you provide guidance, is extremely knowledgeable and dedicated... Austin is your guy! Could not have asked for a better person to help me navigate through everything! read more

Austin was able to help me with both a refi and a HELOC. We did the refi on our primary to lower the rate and then we got cash out from our investment property using the HELOC. This was the fastest experience I have ever had. The HELOC took less than a week and I think our refi took two weeks total. He answered all our questions and on top of that they had the best pricing compared to all the other lenders. I am 100% going back to him in the future because he said he can lower the rate even further down the line. Thanks Austin! I've already referred some of my friends read more

If you're looking for a disorganized, annoying mortgage rep who won't leave you alone then I highly recommend Justin Feldman. After returning his first email telling him I wasn't interested he emailed me twice more, called three times and texted me with a quote. Then, when I called him on his harassment, he said we hadn't spoken, clearly oblivious to the fact that he had emailed me three times. I would rather refi with a tree stump than with Justin. read more

It's been nine months, and it is to the point where we have given up; not looking to close with your company. David Harned and Greg Franks are incompetent; gross lack of attention to detail, continuous delays, never returning phone calls or emails, and always has excuses. I would have serious reservations about allowing them to represent anything to do with my company. I would fire them immediately before you end up in a lawsuit. read more

My experience with Dylen Suite was very misleading to say the least. When I initially spoke with him I told him I already had other pre-approvals and was looking to compare rates. He then went into a sales spiel about how confident he was that he could beat those rates and how they have "over 100 different lenders" they could shop, including Rocket Mortgage. Unfortunately, I fell for it and advised him to move forward, however, I told him I was not interested in Rocket Mortgage bc I had already received an uncompetitive quote from them. Once my application was submitted, communication began to slip and I was not advised of what was happening throughout the process unless I asked. Then I started receiving random emails from Rocket Mortgage and when I asked why that was when I specifically said I wasn't interested, I was told to just "disregard" it. After several days of no other updates, I get an email from Dylen saying underwriting wants to review too many additional documents and that I should just go with the quotes I received from the other pre-approvals. It appears that this company is a primary sourcer for Rocket Mortgage and that is who they will try to place you with despite claiming they have "over 100 different lenders." I have not received any further explanation or assistance, and never received a single quote. My credit took a hit for no reason. Overall, this experience was very misleading and a waste of time. Be careful if you proceed with them, as they are clearly sales people and theres a 95% chance you will end up with Rocket Mortgage (which you could contact directly) and/or end up with your information sold to them and getting spammed by Rocket Mortgage. read more

Terrific West Capital Lending experience! I was Lucky to find Misha Kokuashvili for my HELOC! Began searching for a lender, Misha responded quickly to everything I needed. Helped me through the entire application process! It was quick and efficient. I had my HELOC funded in two weeks from initial application. Misha was professional in explaining the process and helping me right through to funding. Outstanding! I will refer! Thank you! read more

Top rate lending bank. Although I have really a really good credit score. I would recommend asking for loan officer Ryan Smith. He'll get your loan to the finish line. And he'll be on top of everything. Including communication. He's a great asset to West Capital. read more

Lack of communication and empty promises. Steer clear, you can likely do better with a local lender.

Seamless and efficient process! We appreciate everything that was done to help us through this process, everyone was so helpful!!

Great experience from start to finish! We refinanced over the holiday season and the team did an excellent job guiding us.

This a big shout out to Kyle Cho of West Capital Lending for an amazing customer service and honesty. Everything that was told to me was truthful and accurate. This is the fastest transaction I have ever had involving home loan documents. Thank you again all of your help is greatly appreciated. I would highly recommend doing business with them. 5 stars over all from beginning to end. read more

Horrible scamy vibes do not deal with these people very unsatisfactory I did with Jay ruess As soon as you fill out the application they really don't put too much stock into dealing with you mind you I have a very good credit score and all that requirements were needed they just are very bad at customer service read more

It was a pleasure to work with Austin. I appreciated his initiative, direction, and attention to detail throughout the process. He was responsive and easy to communicate with, which made me feel at ease. I would recommend Austin Beck to anyone who needs home services! read more

Angela Trombino and David Gordon were excellent with their service and knowledge. if I could I'd give them 10 stars!

Quick, accurate, honest all the things you want and need in a lending organization. They had the lowest rates and fees of the four lenders I contacted. Go For it! read more

Thank you Tim Le for your expertise and helping us achieved our goal. Very professional

My experience with West Capital Lending and Rocket Mortgage with Exec Branch Manager Michael Roy was Not so pleasant or professional during the entire process ... At first Michael was very nice then when I started asking questions regarding the loan process, according to him I asked too many questions is what he told me during one conversation and Michael ended up hanging up on me WOW! I guess as a borrower wanting a loan you can't ask to many questions with him, and how many ? is too many IDK and I IDC... if I am going to be paying you back then common courtesy is to answer all my questions ... I recently received my loan and never heard back from Michael Roy once he passed the buck to Rocket Mortgage who ended giving me the Home Equity Loan... so maybe bypass lending brokers and go straight to the lender which I tried but was told by Rocket Mortgage I have to deal with West Capital Lending as they were there biggest clients ... hummm but in the end Rocket Mortgage finished the loan process so not sure how these 2 Companies work together but not very professional or easy to get answers... I will be paying this loan for a year and will refinance it with another lender who cares and Rocket Mortgage will not be getting all the interest they think they are from me I will take my business elsewhere... Also I had to do a Mortgage Appraisal for my home for a simple $60k home equity loan because obviously there was more work for Michael to do because in the beginning he said no home appraisal was needed, yet after lots of changes to the loan all of a sudden I had to pay out of pocket $720 for an home appraisal! They new darn well my home was worth over $500k which is was... This was Not a good experience at all dealing with Michael Roy and all the changes he kept making, this is why I kept questioning him ... maybe they were trying to get something else by me without knowing, and this appraisal I had to pay was uncalled for they couldn't get what they wanted from me on interest rates but had to charge me a Uncalled Home Appraisal then they had me charge it to my CC that I was paying off with this home equity loan omg... what a mess they made of my home equity loan. DO NOT USE West Capital Lending and DO NOT DEAL with Michael Roy .... Is this too many observations Michael of the mess you made, or is it too many questions for you lol.... read more

Mind games that's all I'm going to say about this place. The guy I dealt with promised the moon and stars even with a 653 score then tells us sorry lol you knew what our score was in the beginning. They just can't wait to get your social to run your credit which lowers it to tell u sorry after he said he has hundreds of lenders to wk with liars read more

Do not recommend. Take your business anywhere else. From start to end loan process took over 8 weeks. Marcus VanRiper (branch manager) stated he would reimburse fees since lender added an additional $1500 in fees right before we closed (did not see until closing) but it has been 3 months since we got the loan and the fees were never reimbursed. Loan was supposed to cover the property taxes and they have still not been paid yet either. read more

This was our second time doing a refinance with Jason Doby. He is extremely knowledgeable on different loan products. He made the refinance so easy, quick and painless. We closed on time and rather quickly.This is your guy and we will gladly use him again in the future. read more