We offer our own Yorba-branded programs plus access to 180+ lending partners — from first-time buyer solutions to luxury jumbo financing. Licensed in 34 states. Here's where we start.
Through West Capital Lending, we have access to the full spectrum of loan products — from everyday conventional financing to specialty programs most lenders can't touch. Here's what we do best.
First home, move-up, or investment — we match you to the program that maximizes buying power and minimizes cost at closing.
Learn More →The benchmark programs for well-qualified borrowers. Competitive rates, clean terms, and no mortgage insurance at 20% down.
Government-backed programs with lower down payment requirements and more flexible qualification standards — including 0% down for veterans.
Access your home's equity in retirement — on your terms. FHA-insured with no monthly payment obligation for homeowners 62 and older.
Learn More →Flexible equity access when you need it — renovations, tuition, investment capital, or ADU construction. Revolving credit with competitive terms.
Learn More →Wherever you're buying, we're covered. We're licensed across 34 states directly, and work with a trusted colleague network for all remaining states. Primary market: North Orange County & all of Southern California.
From your first home to your forever home — we'll match you to the program that maximizes your buying power and minimizes your cost.
The benchmark for qualified borrowers. Conventional loans offer the broadest flexibility, lowest rates for strong profiles, and no ongoing mortgage insurance with 20% equity.
One of the most powerful mortgage benefits available to our nation's veterans and active-duty service members. Zero down, no PMI, and highly competitive rates.
Government-backed financing with lower credit score thresholds and minimal down payments — the go-to program for first-time buyers entering the Orange County market.
Luxury and high-value property financing above the conforming loan limit. Tailored underwriting and rate structures for sophisticated buyers in premium markets.
Not every scenario fits a box. We have programs built for the self-employed, the equity-rich homeowner, the retiree, and the investor who needs speed.
Lower your interest rate, shorten your loan term, or both. We analyze break-even timing and long-term savings to ensure it makes sense for you.
Reduce Your RateTap into your home's equity to fund renovations, consolidate debt, or invest. We help you structure it so the numbers actually work.
Access Your EquitySelf-employed borrowers qualify on 12–24 months of bank statements instead of tax returns. Fair lending for business owners and entrepreneurs.
Self-Employed FriendlyQualify on property cash flow, not personal income. Ideal for real estate investors scaling a portfolio without traditional income documentation.
Investment PropertiesBuy your next home before selling your current one. Short-term bridge financing lets you move on your timeline, not the market's.
Buy Before You SellRetired or living on investments? We can use your liquid assets to calculate qualifying income — no monthly income required.
Asset-Based Qualifying62 or older? Access your home equity as tax-free income, a lump sum, or a line of credit — with no monthly mortgage payments required.
62+ · FHA-InsuredA Home Equity Line of Credit lets you tap into your home's equity when you need it — renovations, tuition, or any major expense. Available with 600+ credit score.
600+ Score · Flexible AccessRates, terms, and program availability are subject to change and borrower qualification. All loans are subject to credit approval. Contact us for personalized rate quotes. Yorba Home Loans is a team of West Capital Lending, NMLS #1566096. Licensed in 34 states for conventional and business purpose financing. Primary market: California.
Tell us your situation and goals — we'll do the analysis and present the best options clearly and honestly.
Purchase price, down payment comfort, credit profile, timeline — we collect the essentials in 15 minutes.
We compare programs, model payments, and stress-test scenarios so you can see exactly what each option means for your budget.
Once you're confident in the direction, we take it from application to closing with the speed and precision Yorba is known for.
No pressure. No obligation. Just clarity on where you stand and what's possible.