Effective Date: January 1, 2026
These Terms of Agreement govern the website and services offered by Shaun Ingram, Branch Manager (NMLS #1972074), operating under West Capital Lending, Inc. (NMLS #1566096 · Cal. DRE #02022356) ("COMPANY," "we," or "us").
1. Acceptance of Terms
This website (the "Site") is operated by Shaun Ingram, a licensed Mortgage Loan Originator with West Capital Lending, Inc. By accessing or using the Site, you agree to be bound by these Terms of Agreement and to use the Site in accordance with these Terms, our Privacy Policy, and any additional terms that may apply to specific sections of the Site or to products and services available through it.
Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms.
We reserve the right to change these Terms or impose new conditions on use of the Site from time to time, in which case we will post the revised Terms on this website. By continuing to use the Site after such changes are posted, you accept the Terms as modified.
2. Nature of Services
Shaun Ingram operates as a licensed Mortgage Loan Originator with West Capital Lending, Inc., an independent mortgage broker. We assist borrowers by shopping loan scenarios across wholesale lenders and facilitating the loan application and closing process. West Capital Lending is not a bank and does not directly fund loans.
- Nothing on this Site is an offer or extension of credit or a commitment to lend, nor a guarantee of any particular rate, term, or loan approval.
- All loans are subject to credit approval, underwriting, appraisal, income and asset verification, and applicable program guidelines.
- Not all programs are available in all areas, and not all borrowers will qualify for all programs. Program restrictions apply.
- Rates, programs, and terms referenced on the Site are subject to change without notice and are not guaranteed.
- Any pre-approval or pre-qualification is preliminary and does not constitute final loan approval.
3. Licensing & Geographic Scope
The Loan Originator named on this Site is licensed only in the states in which he holds an active license. The information on this Site is not intended for consumers in any other state. To verify licensing and eligibility, visit www.nmlsconsumeraccess.org or westcapitallending.com/licensing.
4. No Financial or Legal Advice
Information provided on the Site is for general informational purposes only and does not constitute financial, tax, or legal advice. You should consult your own qualified professionals before making decisions based on any information found on the Site. Loan suitability depends on your individual circumstances.
5. Intellectual Property Rights
Our Limited License to You
This Site and all materials available on it are the property of West Capital Lending, Inc. and/or its affiliates or licensors and are protected by copyright, trademark, and other intellectual property laws. The West Capital Lending name and logo are used under authorization. The Site is provided solely for your personal, non-commercial use.
Unless explicitly authorized, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works from, exploit, or distribute any material from the Site. You may download and/or print one copy of individual pages for personal, non-commercial use, provided you keep intact all copyright and proprietary notices.
Your License to Us
By posting or submitting any material (including comments, reviews, documents, photos, and videos) to us via the Site or other digital venues, you represent that you own the material or have obtained the necessary permissions. You grant us a royalty-free, perpetual, irrevocable, non-exclusive, worldwide license to use, modify, transmit, exploit, create derivative works from, distribute, and publicly display such material in connection with our business, subject to our Privacy Policy.
6. Your Responsibilities
- You agree to provide accurate, current, and complete information in any application, form, or communication.
- You agree not to submit fraudulent, misleading, or unauthorized information.
- You are responsible for maintaining the confidentiality of any login credentials and for all activity under your account.
- You agree to use the Site only for lawful purposes and in compliance with all applicable laws.
7. Electronic Communications & Consent
By providing your contact information and using our services, you consent to receive communications from us electronically, including by email, phone, and, where you have opted in, SMS text message. SMS messaging is governed by our SMS Terms & Conditions and Privacy Policy. Message and data rates may apply, and you may opt out of SMS at any time by replying "STOP."
8. Disclaimers
Throughout the Site, we may provide links to Internet sites maintained by third parties, including lenders and regulatory resources. Our linking to such sites does not imply endorsement or sponsorship of those sites or the information, products, or services offered through them.
The information, products, and services offered on or through the Site are provided "as is" and without warranties of any kind, either express or implied. To the fullest extent permissible under applicable law, we disclaim all warranties, including implied warranties of merchantability and fitness for a particular purpose.
9. Limitation of Liability & Indemnification
To the fullest extent permitted by law, West Capital Lending, Inc. and Shaun Ingram shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Site or reliance on its content.
You agree at all times to indemnify and hold harmless West Capital Lending, Inc., Shaun Ingram, and their respective officers, directors, agents, and employees from any claims, causes of action, damages, liabilities, costs, and expenses arising out of or related to your breach of any obligation, warranty, or representation under these Terms.
10. Third-Party Services
Certain sections of the Site may refer you to third-party providers, such as lenders, credit bureaus, title companies, or scheduling tools. We are not responsible for the quality, accuracy, timeliness, or reliability of third-party products and services. Your dealings with any third party are solely between you and that party.
11. Termination
We reserve the right to terminate or suspend your access to the Site, without notice, if we determine that you have violated these Terms or engaged in conduct we deem inappropriate or unlawful. Upon termination, you must cease all use of the Site and any content obtained from it.
12. Governing Law & Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict-of-law principles. Any dispute arising under these Terms shall be resolved in the state or federal courts located in California, or through binding arbitration where applicable, unless otherwise required by law.
13. Changes to These Terms
We may update these Terms from time to time. The latest version will always be available on our website with the effective date.
14. Contact Us
For any questions regarding these Terms of Agreement, please contact us at:
Shaun Ingram, Branch Manager (NMLS #1972074)
West Capital Lending, Inc. (NMLS #1566096 · Cal. DRE #02022356)
Phone: 1 (605) 525-0909
Email: [email protected]
Website: https://ingramcapitallending.com/
Address: 17911 Von Karman Ave, Suite 400, Irvine, CA 92614
By using our website and services, you consent to these Terms of Agreement.