Private Client Mortgage Advisors · North Orange County

North OC's
Home Loan Experts.

Roots in Yorba Linda. 44+ combined years of mortgage expertise. 180+ lending partners. Brian Poetschlag and Ryan Sison built their careers to serve you — not a bank's bottom line.

Get Pre-Approved Today Explore Loan Programs
0 Combined Years
0 Brian's Experience
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0 Lending Partners
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Who We Are

Roots in Yorba Linda.
North OC's
Go-To Mortgage Team.

Brian Poetschlag and Ryan Sison share deep roots in Yorba Linda. They built careers in mortgage banking, then came together to build something better. Yorba Home Loans is their private client advisory division — the go-to mortgage resource for North Orange County.

With 44+ combined years of experience, access to 180+ lenders, and licensing in 34 states, they deliver options no bank can match — with the personal service you'd only expect from someone who knows your community.

  • ✦ Specializing in purchase loans — first home, dream home, right-size home
  • ✦ Self-employed? We have programs designed for you
  • ✦ 180+ lenders — wholesale rates banks don't offer directly
  • ✦ Your go-to team for all of OC and surrounding markets
Meet Brian & Ryan
Brian Poetschlag

Brian Poetschlag

Private Client Mortgage Advisor

24+ Years · Yorba Linda Roots · NMLS #487617

Ryan Sison

Ryan Sison

Private Client Mortgage Advisor

20+ Years · Yorba Linda Roots · NMLS #447758

Loan Programs

A Solution for Every Scenario

Whether you're buying your first home, moving up, investing, or self-employed — we have access to the right program and the expertise to execute.

🏡

Conventional Loans

The gold standard for well-qualified buyers. Competitive rates, flexible terms, and no mortgage insurance with 20% down.

From 3% Down
🇺🇸

VA Loans

Exclusive 100% financing for veterans and active-duty service members. Zero down, no PMI — you've earned it.

0% Down · No PMI
🏛️

FHA Loans

Government-backed financing with minimal down payment — ideal for first-time buyers entering the OC market.

From 3.5% Down
💎

Jumbo Loans

Luxury and high-value property financing tailored for sophisticated buyers in Southern California's premium markets.

$766K+
📋

Bank Statement Loans

Self-employed? We qualify on 12–24 months of bank statements. Fair lending for entrepreneurs and business owners.

Self-Employed
🏢

DSCR / Investor Loans

Qualify on property cash flow — no personal income verification. Built for real estate investors scaling their portfolio.

No Income Verification
View All Programs
How It Works

Simple. Fast. Done Right.

Our systems are built for speed and accuracy — the same standards we held at one of the largest banks in the world.

1

Free Consultation

We review your goals, finances, and timeline to map out the best loan strategy for your situation — no fluff, no pressure.

2

Pre-Approval

We issue a strong pre-approval that gives sellers confidence and puts you in a position to win in competitive OC markets.

3

Loan Processing

Our team handles everything — underwriting, appraisals, and coordination — with the precision of former bank executives.

4

Close & Celebrate

Sign, fund, and collect your keys. We stay in touch long after closing day — because we're your lifetime mortgage resource.

Client Stories

What Our Clients Say

★★★★★
"Brian went above and beyond for our family. We were in a competitive market and his pre-approval and responsiveness made all the difference in getting our offer accepted. Couldn't be happier."
The Martinez Family
Yorba Linda, CA
★★★★★
"Ryan walked us through every step as first-time buyers. We never felt lost or pressured. He found us a rate we didn't think was possible. Yorba Home Loans is the real deal."
Ashley & Daniel T.
Anaheim Hills, CA
★★★★★
"I'm self-employed and had been turned down by two other lenders. Brian knew exactly what program to use and we closed fast. Professional, knowledgeable, and genuinely caring."
Marcus L.
Brea, CA
Payment Estimator

What Will My Payment Be?

Get a quick estimate. Then let us find you the best actual rate — which will likely be better than any bank can offer.

$
$200K$3M
$
3%40%
4%10%
Estimated Monthly Payment
$3,921
Principal & Interest only
Loan Amount $600,000
Down Payment $150,000
Est. Total Interest $811,432
Rate 6.75%
This is an estimate for illustrative purposes only. Actual payment will depend on your rate, credit profile, taxes, insurance, and HOA. Rates shown are not a quote or commitment to lend.
Get My Actual Rate →
Why It Matters

Broker vs. Bank.
It's Not Even Close.

We ran these institutions. We know exactly what you're leaving on the table when you go straight to a bank.

🏦 Big Bank
🗝️ Yorba Home Loans
Lender Options
1 bank. Their rates only.
180+ lenders competing for your business
Rate Shopping
Whatever they decide to offer
Wholesale rates banks don't publish
Who They Work For
The bank's shareholders
You — and only you
Your Advisor
Rotating staff, call centers
Brian or Ryan — direct, every time
Self-Employed?
Likely denied or severely limited
Bank statement, alt-doc programs available
Complex Scenarios
Denied — doesn't fit the box
We find the lender built for your situation
Credit Score from
Typically 680+
Programs available from 500+
After Close
Goodbye — you're done
Your lifetime mortgage resource
Talk to a Real Advisor Today
Ready to Begin?

Let's Find Your Perfect Loan.

A 15-minute call is all it takes to know exactly where you stand and what's possible.

Book a Free Consultation Call Brian: (714) 713-3133
🏠
Equal Housing Lender West Capital Lending is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age, or any other protected characteristic.
West Capital Lending, Inc. | NMLS #1566096 | Cal. DRE #02022356 | 17911 Von Karman Ave, Suite 400, Irvine, CA 92614 | westcapitallending.com
Brian Poetschlag | Mortgage Advisor | NMLS #487617 | Cal. DRE #02022356  |  Ryan Sison | Mortgage Advisor | NMLS #447758 | Cal. DRE #02022356  |  NMLS Consumer Access
Not all programs are available in all areas. Not all borrowers will qualify for all programs. Program restrictions apply. This is not an offer or extension of credit or a commitment to lend. All loan programs are subject to the specific lender's underwriting guidelines and available loan terms. Approvals may be subject to appraisals and other documentation requirements. Please contact our office to determine eligibility. The information on this site is not intended for consumers of any other state.
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.