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Refinance, Purchase and Home Equity made simple

Want to lower payments, access home equity, or buy a new home? We've got you covered!

Book Discovery Meeting

Apply for a Digital HELOC

(949)-771-7173

Refinance, Purchase and Home Equity made simple

Want to lower payments, access home equity, or buy a new home? We've got you covered!

Book Discovery Meeting

Apply for a Digital HELOC

Loan Programs and Products & Services

Refinance, Purchase and Home Equity Loans

Welcome to West Capital Lending!

Executive Branch Manager

Travis Breaux

Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing you with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

We specialize in Traditional loans, Non-QM loans, HELOCS, HELOANS and government-backed loans such as FHA and VA.

Digital Heloc

A Digital HELOC (Home Equity Line of Credit) is a modernized version of a traditional HELOC, offering a streamlined, fully online process for homeowners to access their home equity quickly.

Key Features of Digital HELOCs

Fast Approval & Funding – Some lenders offer funding in as little as 5–10 days, compared to 45–60 days for traditional HELOCs.
Fully Online Application – Borrowers can complete the entire process digitally, reducing paperwork and processing time.
Fixed or Variable Interest Rates – Some lenders provide fixed-rate HELOCs, ensuring predictable payments.
No Appraisal Required – Many digital HELOCs eliminate the need for a home appraisal, making the process faster.
Flexible Borrowing Limits – Loan amounts can range up to $400,000, depending on home equity and lender policies.

Who Benefits from Digital HELOCs?

Homeowners seeking quick access to funds for renovations, debt consolidation, or major expenses.
Borrowers looking for a hassle-free, digital loan process without extensive paperwork.
Those wanting competitive rates compared to credit cards or personal loans.

Get Prequalifed in 5 Min!

Home Equity Loans

Key Features of Home Equity Loans

Fixed Interest Rates – Unlike home equity lines of credit (HELOCs), home equity loans typically have fixed rates, ensuring predictable monthly payments.
Lump-Sum Payment – Borrowers receive the loan amount upfront, making it ideal for large expenses like home renovations or debt consolidation.
Loan-to-Value (LTV) Ratio – Lenders usually allow borrowing up to 80–90% of the home’s appraised value, depending on creditworthiness.
Repayment Terms – Typically 5–30 years, with structured monthly payments covering both principal and interest.
Collateral-Based Loan – Since the home serves as collateral, failure to repay could result in foreclosure.

Who Benefits from Home Equity Loans?

Homeowners needing large sums for renovations, education, or major expenses.
Borrowers looking for lower interest rates compared to personal loans or credit cards.
Those seeking predictable payments with a fixed-rate structure.

Get Pre-Qualified in 5 Min

Conventional, FHA and VA

FHA Loans (Federal Housing Administration)

Best for: First-time homebuyers or those with lower credit scores.
Down Payment: As low as 3.5% with a credit score of 580+.
Credit Score Requirement: Typically 500–580.
Mortgage Insurance: Required for the life of the loan unless refinanced.
Government-Backed: Insured by the FHA, making it easier to qualify.

Conventional Loans

Best for: Buyers with strong credit and stable income.
Down Payment: As low as 3%, but 20% avoids private mortgage insurance (PMI).
Credit Score Requirement: Typically 620+.
Mortgage Insurance: Required if down payment is less than 20%.
Not Government-Backed: Funded by private lenders.

VA Loans (Veterans Affairs)

Best for: Active-duty military, veterans, and eligible spouses.
Down Payment: 0% (no down payment required).
Credit Score Requirement: No official minimum, but lenders prefer 580–620+.
Mortgage Insurance: None (no PMI required).
Government-Backed: Guaranteed by the VA, offering favorable terms.

Get Pre-Qualified

Bank Statement Loans

A bank statement loan is a type of mortgage designed for borrowers who may not have traditional income documentation, such as W-2s or tax returns. Instead, lenders assess the applicant's financial health based on their bank statements.

Key Features of Bank Statement Loans

Income Verification Through Bank Statements – Borrowers provide 12 to 24 months of personal or business bank statements to demonstrate their cash flow.
Ideal for Self-Employed Individuals – These loans cater to entrepreneurs, freelancers, and business owners whose tax returns may not accurately reflect their income.
Non-QM Loan Type – Bank statement loans are considered non-qualified mortgages (non-QM), meaning they don’t conform to traditional lending guidelines2.
Flexible Loan Terms – Borrowers may access higher loan amounts with longer repayment terms, but interest rates can be slightly higher than conventional loans.
Down Payment & Credit Score Requirements – Typically, lenders require a 10–20% down payment and a credit score of 620 or higher, though requirements vary.

Who Benefits from Bank Statement Loans?

Self-employed professionals who have fluctuating income.
Business owners who reinvest earnings and show lower taxable income.
Gig workers and freelancers who lack traditional pay stubs.

Get Pre-Qualified

DSCR Loans

A DSCR (Debt Service Coverage Ratio) loan is a type of financing designed primarily for real estate investors. Unlike traditional loans that require personal income verification, DSCR loans assess the property's ability to generate enough rental income to cover its debt obligations2.

Key Features of DSCR Loans

Qualification Based on Property Cash Flow – Lenders evaluate the rental income of the property rather than the borrower's personal income.
Flexible Borrowing Options – Investors can secure multiple DSCR loans, making it easier to expand their real estate portfolio.
No Limit on Loan Count – Unlike conventional mortgages, there is no restriction on the number of DSCR loans an investor can obtain.
Common Requirements:
- Minimum DSCR ratio of 1.0 or higher (some lenders accept lower ratios).
- Credit score typically 640+, though some lenders allow lower scores with compensating factors.
- Down payment of 20–25%, sometimes higher for riskier profiles.
- Loan amounts often capped at $2M–$3M per property, but higher limits exist in certain states.
- Eligible property types include single-family rentals, condos, townhomes, and short-term rentals (Airbnb).

Who Benefits from DSCR Loans?

Real estate investors looking to finance rental properties without using personal income documentation.
Self-employed individuals or those with non-traditional income sources.
Investors seeking multiple properties without conventional loan restrictions

Get Pre-Qualified

Apply or Call Today!

Travis Breaux

Executive Branch Manager

Phone (949) 771-7173

Email tbreaux@wclhomeloan.com

Travis Breaux- West Capital Lending Inc.

24 Executive Park suite 250, Irvine, CA 92614, USA

Company NMLS# 1566096 Company DRE# 020022356 Branch Manager NMLS# 1033774

Refinance, Purchase and Home Equity made simple

Refinance, Purchase and Home Equity made simple

Loan Programs and Products & Services

Refinance, Purchase and Home Equity Loans

Welcome to West Capital Lending!

Executive Branch Manager