Buyer representation
From the first showing to keys in hand — negotiation, inspections, and an agent in your corner.
West Capital Lending · Irvine, California
Buy, sell, and finance — with one person who actually picks up.
Realtor and loan officer for Southern California, backed by a network of 200+ lenders. Honest guidance, real answers, and one trusted point of contact from your first showing to your closing.
★★★★★ 5.0 · 142 reviews 200+ lender network $240M+ funded
24h Most pre-approvals
back within a day
back within a day
Powered by West Capital Lending · 200+ lender network · Company NMLS #1566096
What I do
Everything under one roof
Most buyers juggle an agent and a separate lender. With me, it's one relationship — fewer dropped balls, faster closings.
Home financing
A licensed loan officer with 200+ lenders behind me. The right loan, shopped to fit you — not the bank.
Refinance & equity
Lower your rate or tap your equity. Our digital HELOC can close in as few as 5 days.
Pre-approval, fast
Know your number before you fall in love with a house. Honest answers, quick turnaround.
In their words
Neighbors who took the leap
"
Valerie didn't sell us a house. She found us a place where our kids walk to school and the dog has a yard. The financing was the last 20 minutes.
"
Being both our agent and our loan officer meant nothing fell through the cracks. She answered texts at 9pm and closed us early.
Featured listings
Homes I'm excited about right now
A handful of favorites across Irvine — plus full access to the MLS the moment you reach out.
Mortgage calculator
What can you actually afford?
Drag the sliders for a real monthly number — taxes, insurance, and PMI included. Then let's go get pre-approved.
$850,000
$170,000 · 20%
6.75%
30 years
Estimated monthly payment $4,410/mo Apply now — start your application →
Principal & interest$4,012
Property tax$280
Insurance$118
PMI$0
Estimate only. Assumes ~1.1% property tax and 0.35% insurance annually; PMI applies under 20% down. Your actual rate and payment depend on credit, loan type, and market conditions.
Today's market
Rates, watched daily.
The 10-year Treasury yield is what really moves mortgage pricing. I keep an eye on it so you don't have to — refreshed every business day.
10-Year Treasury Yield
4.01%
-0.12 90-day change
Source: U.S. Treasury · Full market view →
30-yr fixed
6.82%
▼ 0.03
15-yr fixed
6.05%
▼ 0.02
10-yr Treasury
4.01%
▼ 0.01
FHA 30-yr
6.35%
▲ 0.01
For sellers
What's your home worth today?
Thinking about selling? Get a free, instant home-value report — then let's talk strategy when the timing feels right.
A real comparative market analysis — based on recent nearby sales, not a guess.
Delivered to your inbox in seconds, with no obligation to list.
When you're ready, we turn the report into a pricing and marketing strategy.
Loan programs
A loan for every kind of borrower
Through West Capital Lending's network of 200+ lenders, I can match you to the right program — including options for the self-employed and investors that most banks won't touch.
Conventional
Competitive fixed and adjustable rates for qualified buyers.
FHA
Low down payments and flexible credit — great for first-time buyers.
VA
Zero-down financing for veterans and active-duty service members.
Jumbo & High Balance
Financing above conventional limits for higher-priced homes.
Bank Statement
Qualify with 6, 12, or 24 months of statements instead of W-2s — built for the self-employed.
DSCR
Qualify on a property's cash flow, not your personal income — made for investors.
Commercial & Private Money
Flexible capital for commercial properties and fast-moving deals.
Digital HELOC
Tap your home equity with minimal documentation — can close in as few as 5 days.
Apply for HELOC →
Self-employed or investing? Ask about Bank Statement, DSCR, and Private Money options.
Let's find your fit →
On Instagram · @valeriesalaloans
Watch more on Instagram → Neighbors who took the leap
Real closings, walkthroughs, and the occasional happy-cry — straight from the feed.
Let's find your next front door.
Buying, selling, or just curious what you can afford? Send a note and you'll hear back from Valerie — a real person — usually same day.