No hard credit pull · No call center · No obligation
See your loan options in 60 seconds.
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about 63 seconds left60 seconds · no credit pull · your info is never sold
What are you looking to do?*
5.0 · NMLS #1868298
Prefer to talk?Call or text (949) 779-5804
Tell me what you're trying to do — tap equity, finance a rental, buy, or refinance — and I'll come back with real options and straight answers.
- 60 seconds — answer a few questions and your scenario lands on Joshua's desk, not a call center's.
- No hard credit pull to see your options, and your info is never sold to other lenders.
- HELOC, DSCR, bank-statement, purchase & refi — structured around your goal, not a one-size box.
You'll work directly with Joshua Sinocruz
5.0 on Experience.com· NMLS #1868298 · Licensed in 25 states
Client reviews
Rated 5.0 by the people I've worked with.
5.0
11 verified reviews on Experience.com
“Josh and his team at West Capital worked swiftly and efficiently to do for us what at least twenty banks and mortgage companies — some of whom I'd worked with for 30 years — kept denying. They thought creatively and helped us restore our finances…”
Danny L
May 2026
“An outstanding experience working with Joshua and Keri at West Capital Lending for my cash-out refinance. From the very beginning, Josh took the time to really understand my financial situation and strategically placed me in the right program…”
Roger V
March 2026
“We recently completed a refinance with Josh, and the experience could not have been better. He made the entire process seamless from start to finish, was consistently available whenever we had questions, and communicated clearly every step…”
Violette F
December 2025