Your Home. Your Terms. Your Lender.
We shop dozens of lenders so you don't have to — and we're with you every step of the way.
Get Pre-Approved
Diverse Financing Solutions for Every Homeowner
Explore our range of specialized loan programs tailored to meet your specific financial needs.
Fannie Mae / Freddie Mac Loans
- Conventional
- FHA
- VA
- USDA
Non-QM Loans
- Bank statement loans 1yr+
- DSCR Loans
- Asset Loans
- No Income loans
Fix and Flip Loans
- Up to 90 CLTV
- Low credit options
HELOC
- Quick close
- Can close in LLC
- Bank statement HELOCs
Our team is here to assist you at any time.
Whether you have a question about mortgage rates, pre-approval requirements, or loan programs, please contact us using the information below.
- NMLS Licensed Professionals
- Customized Loan Solutions
- Secure & Confidential Process
Let's Talk About Your Goals
Select a time that works for you, and let's discuss your homeownership goals.
Book an AppointmentFrequently Asked Questions
The most common mortgage questions — answered straight, no jargon.
Yes. We have specialized programs designed for this. Typically these options require a 20% down payment and a credit score over 700.
Not necessarily. As a broker, we have access to Bank Statement Loans and Profit & Loss (P&L) Loans — meaning we can often qualify you using 12–24 months of bank deposits instead of your net tax return income.
DSCR stands for Debt Service Coverage Ratio. It's an investor loan for rental properties where qualification is based entirely on the rental income potential of the property — not your personal income or tax returns.
Absolutely. We offer a full suite of traditional loans, including low-down-payment FHA loans, zero-down USDA loans for rural properties, and zero-down VA loans for veterans and service members.
A traditional bank can only offer their own loan products. As an independent broker, we sit on your side of the table — shopping your scenario across dozens of wholesale lenders to find competitive rates and low fees for your specific situation.
People Love Us
Shaun worked with me for over one year to get me to a workable interest rate during a crazy economy. I worked in the mortgage business, so I know that Shaun has the expertise and he is there to work with you till you accomplish your goals.
Shaun was fantastic to work with throughout my home loan process. He was professional, knowledgeable, and always took the time to answer my questions. He made everything smooth and much less stressful. I truly appreciate all of his help and would highly recommend him to anyone looking for a reliable and trustworthy loan officer.
I am pleased to provide a professional reference for Shaun with West Capital Lending. Throughout our loan process, Shaun demonstrated exceptional professionalism, integrity, and dedication. He made each step clear and easy to understand, walked us through every requirement, and ensured we felt confident and informed from start to finish. His commitment to transparency truly set him apart, and his efforts played a significant role in helping us successfully secure our loan.
Shaun Ingram
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with competitive interest rates and low closing costs. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.