Mortgage Dept. Powered by West Capital Lending | HELOC, DSCR & Home Equity Investment
HELOC · DSCR · Home Equity Investment

HELOC, DSCR, bank-statement, purchase & refi – structured around your goal.

Mortgage Dept., powered by West Capital Lending, structures financing most loan officers won't walk you through – for homeowners tapping equity and investors scaling a portfolio.

  • Soft pull to start – your info is never sold.
  • 60 seconds. Your details land on a loan officer's desk, not a call center.
  • HELOC, DSCR, and HEI – structured around your goal, not a one-size box.

Or skip the form – call or text (949) 432-2821

Equal Housing LenderWest Capital Lending
NMLS #1566096DRE #02022356
4.8 ★ on Google4,257 reviews

Find My Loan

~60 sec
Step 1 of 6
Loan programs

Financing for homeowners and investors banks turn away.

12 programs. One 60-second quiz to find yours – or call and talk to a real person.

★ Most Popular

5-Day HELOC

Tap your home equity without touching your first mortgage.

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Bank Statement Loan

Self-employed? Qualify with deposits, not tax returns.

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Profit & Loss Only Loan

One P&L statement is your whole income file.

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DSCR / Rental

The rent qualifies, or go no-ratio if it comes in under .75.

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Cash-Out / Refinance

Turn equity into cash or restructure your loan.

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Hard Money

Fast, asset-based funding when the deal can't wait.

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Conventional

The classic home loan for purchases and refis.

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FHA Loan

Low down payment, flexible credit, primary residence.

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VA Loan

For veterans and active duty – zero down, no PMI.

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Reverse Mortgage

62+ homeowners: equity access, no monthly payments.

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Home Equity Investment

Equity cash today with no monthly payments.

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Not Sure – Show Me Options

We'll match your situation to the right program.

Start the quiz →
Tools that actually work

Real math. Live results.

Five calculators covering purchase, HELOC, DSCR, refinance, and hard money – no email wall.

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Estimated monthly payment
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The approach

The deals most lenders pass on are the ones we close.

01

We start with your goal

We map out where you want to be in five years, then structure the financing to get you there – not the other way around.

02

Every program, one desk

Conventional, HELOC, DSCR, HEI, and non-QM – so the loan fits your deal instead of forcing your deal to fit a loan.

03

Built to move fast

Pre-verified applications and a tight lender network mean fewer surprises and faster closings.

Client reviews

Rated 4.8 by the people we've worked with.

4.8
★★★★★
4,257 Google reviews
★★★★★

“I hope more people get to experience your great service and attention.”

Harry T.
★★★★★

“He is the epitome of customer service and treats his customers like family.”

Samual B.
★★★★★

“Great company with great employees, got our work done quickly and painlessly!”

Derick B.

Let's find your structure.

Tell us your goal and the numbers. You'll get a clear, no-pressure plan – and financing that fits it.