A place to call home.
Explore conventional, FHA, VA, and jumbo financing. Understand your purchasing options before taking your next step.
Discuss a home purchase ↗Mortgage guidance · Irvine, California
Your next chapter.
A clearer path
to financing.
Buying a home, refinancing, or exploring your equity? Let’s find a mortgage solution that fits your goals—and make the next steps easier to understand.
Answer three quick questions, then review the next steps with me.
Pierre Nguyen | Branch Manager at West Capital Lending
Pierre NguyenYour mortgage questions. A personal conversation.
Featured product · Home equity
5-Day Digital HELOC
Your equity. Personal guidance.
Access your home’s equity with personal guidance from application to funding. I’ll help you review your options, complete your application, and understand each step. Eligible borrowers may receive funding in as few as 5 business days while keeping their existing first mortgage.
Let’s find the right fit and take the next steps together. Call Pierre at (949) 418-5392.
A simpler way to get started
- Funding in as few as 5 business daysFor eligible borrowers who meet program requirements.
- A digital application, with personal guidanceI’ll help you gather what’s needed and complete the next steps.
- Keep your existing first mortgageExplore equity without replacing that loan.
- Work directly with PierreClear communication and guidance throughout the process.
How the Digital HELOC process works
- Let’s connect. Call Pierre to discuss your goals, or start the online application so we can review your next steps together.
- Review your options together. I’ll help you understand the available terms, costs, and requested information.
- Move forward with guidance. If you decide to proceed, I’ll help you through the required verification and closing steps. Approval and funding depend on meeting program conditions.
Ready to get started? Let’s talk about your HELOC options.
Subject to credit approval and program eligibility. Five-business-day funding is not guaranteed; timing depends on application completion, verification, property, and applicable waiting periods. Credit limits, appraisal requirements, and availability vary. Fees and closing costs may apply. A HELOC is secured by your home.
Beyond the conventional
Your situation is unique.
Your options can be, too.
Self-employed, planning for retirement, or exploring another way to access equity? Let’s talk through the possibilities.
Bank statement loans.
For self-employed borrowers whose tax returns may not tell the full story. Explore programs that may use eligible bank statements to evaluate income.
Talk about bank statement loansNon-QM loans.
Explore mortgage programs with alternative qualification methods for borrowers whose circumstances may not fit conventional guidelines. Documentation and underwriting still apply.
Explore non-QM optionsReverse mortgages.
Discuss reverse mortgage options for eligible homeowners, including HECMs for borrowers age 62 and older. Understand costs, a growing loan balance, and ongoing property obligations.
Discuss a reverse mortgageHEI / HEA options.
Explore home equity investments and home equity agreements: an upfront payment in exchange for a future settlement tied partly to your home’s value. Compare contract terms and long-term costs.
Talk about HEI / HEAProgram availability and eligibility vary. HECM borrowers must continue paying property taxes and insurance, maintain the home, and meet occupancy requirements. HEI/HEA contracts have different costs, obligations, and settlement terms from a traditional mortgage.
Program finder
Not sure which program fits?
Answer three quick questions for a starting point. Then we’ll review the options together and find the next step that fits your goals.
No contact details required. Your answers stay on this page and are not submitted. This guide does not determine eligibility.
Payment calculator
See how the numbers add up.
Estimate your monthly housing costs with a fixed-rate mortgage. Adjust the numbers, then talk with Pierre about your actual options.