Conventional
Competitive fixed and adjustable rates for qualified buyers.
Home financing
The right loan, shopped to you.
As a Branch Manager at West Capital Lending, Inc. with 200+ lenders behind me, I'm not tied to one bank's rate sheet. That means more options — and an honest take on which one actually fits.
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.
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 →
$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.
Not sure which program fits? Let's talk it through.
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.