Whether it's your first home, your forever home, or your next investment — we structure every purchase to maximize your buying power and minimize your total cost of ownership.
Low down payment options, down payment assistance programs, and step-by-step guidance so you know exactly what you're signing and why.
Selling and buying at the same time? We coordinate both transactions, bridge the gap if needed, and make sure you don't lose your dream home waiting on your current one.
Properties above the conforming limit need specialty underwriting. We have the lender relationships and experience to close jumbo deals fast and at competitive rates.
W-2 income doesn't fit your life? We specialize in bank statement loans, 1099 programs, and asset-depletion qualification for business owners and contractors.
DSCR loans, multi-unit financing, and investment-property programs structured around rental income potential — not just personal income.
VA loans with 0% down and no private mortgage insurance — and a team that knows how to close VA transactions quickly and accurately.
Through West Capital Lending, we access 180+ lenders and every major loan type. Here's what most of our purchase clients use.
The benchmark for well-qualified buyers. Best rates, no ongoing mortgage insurance at 20% down, available up to the conforming limit.
For properties above the conforming loan limit. Requires stronger qualification but offers competitive rates through our specialty lender network.
Government-backed with more flexible qualification. Great for buyers with lower credit scores or limited down payment savings.
The strongest benefit in the mortgage world. Eligible veterans and active-duty service members can buy with zero down and no PMI.
Traditional income documentation doesn't work for everyone. We use 12 or 24 months of business or personal bank statements to qualify you.
Debt Service Coverage Ratio loans qualify based on the property's rental income — not your personal income. Built for real estate investors.
A bank has one set of rates. A broker has access to wholesale pricing from 180+ lenders — and is legally obligated to act in your best interest. The difference can be tens of thousands of dollars over the life of your loan.
Brian has been doing this since 2002. He knows which lenders close on time, which ones have the best pricing for your specific profile, and how to structure the deal so you win at the table.
Start My Pre-ApprovalGet pre-approved in minutes. We'll review your profile, identify the best programs, and give you a rate you can actually use to make a competitive offer.