the gracia team

Your Trusted Partner for Mortgages, Loans, and Financial Solutions

Offering personalized services in Arizona, California, Colorado, Florida, Idaho, Minnesota, Oregon, Tennessee, Washington, Virginia & Texas

About Us

Introduction to the gracia team

Welcome to West Capital Lending, where we specialize in helping you achieve your financial dreams. Whether you're looking for a mortgage, a home equity line of credit (HELOC), or specialized loan programs, Zahami Gracia and our team are here to provide you with the best solutions tailored to your needs.

Our Services

Services we provide

Home Purchases & Refinances

Secure the best mortgage rates for residential, investment, and commercial properties.

Special Programs

Explore our unique offerings like Down Payment Assistance Loans, CalHFA, and Manufactured USDA Loans.

Loan Products & Programs

From FHA and VA loans to conventional and non-QM loans, we have options to fit every situation.

Market Trends & Insights

Stay informed with the latest market trends and how they impact your financial decisions.

Get started today by contacting us for a free consultation!

drop us a line and keep in touch

we love them

what our clients have to say

allansoriano2010
allansoriano2010
Zahami is very professional , his expertise is beyond expectation , no doubt he will get the job well done in the possible short period of time !
alberto oropeza
alberto oropeza
Me and my wife are extremely satisfied with the overall services that was giving to us by zahami and his team. They spent the time to find us the right house for our first house. We are very grateful to go through this journey with him . I highly recommend zahami and his team to everyone because I know I will continue to use him for our next properties
Z Vasquez
Z Vasquez
Zahami, thank you very much for all of your help! I truly appreciate, how you took your time to understand what I was trying to accomplish and gave me the best advice to meet my mortgage/refinancing and home buying needs. You explained everything very well and made the process so easy and stress free. Your professionalism and expertise are unsurpassed. Again, thank you very much. I am recommending you to my family and friends. Sincerely, Zaira
Steven Deborba
Steven Deborba
I was looking to obtain a HELOC, but I had a unique set of circumstances. After speaking with several lenders who informed me that what I was trying to accomplish would be very difficult, if not impossible, I came across Zahami. After a brief initial call he told me he could definitely help and offered a couple of different options. The process was as quick and as easy as advertised. Communication was excellent throughout the process and everything went exactly as he’d outlined. I’d definitely recommend him to anyone looking for lending services. Thanks Zahami
Samantha Doffo
Samantha Doffo
Zahami and his team made the process seamless. His dedication to making sure we understood was excellent. He constantly followed us to ale sure we were getting all things in order and then kept in touch throughout the whole process. I would highly recommend Zahami and his team for any home loan needs.
batsaihan buyannemeh
batsaihan buyannemeh
Well done and thank you SO much.My situation and timeline was tricky but from the first day i was impressed how professionally, quickly everything was handled and responded. You took care when I needed and my expectation is that you will take care of others the same. Thank you again Zahami Gracia
Randy Wright
Randy Wright
I have used Zahami twice, once for a VA streamline loan, and just recently for a HELOC (Home Equity Line of Credit). Both times the processes were handled with the utmost care for me as a client and also very professional on handling of the documents and funding. Every question I had he had an answer for and made it a very comfortable and easy process, cradle to grave. I would recommend him to anybody with their financing needs.
shaun bluth
shaun bluth
Zahami Gracia is an absolute gem in the mortgage industry. His unparalleled customer service and astonishing communication skills ensured a seamless experience. As an undisputed expert in his field, working with Zahami was not only effortless but also a transformative journey towards homeownership.
jorge solano
jorge solano
Hello my name Jorge solano I just close with zahami and we were very happy with your service.and highly recommend.thanks
Kathy Mills
Kathy Mills
We had been looking to refinance for over a year and didn't find a great option that met our needs. When we connected with Zahami, everything changed and we had several options, and Zahami was clear in walking us through our options. He helped us through the process, answering my endless questions, and will continue to helps us in the future. If you need help, Zahami is your answer and we're now an ongoing client!

faq

Frequently Asked Questions

What types of loans do you offer?

We offer a wide range of loans including FHA, VA, conventional, non-QM, HELOCs, and more.

How quickly can I get approved for a loan?

Our streamlined process allows for approval and funding in as little as 5 days.

What are the requirements to qualify for a loan?

Requirements vary by loan type, but generally include a credit score of 640 or higher for HELOCs and 700 or higher for other loan products.

Do you offer services in my state?

We offer services in Arizona, California, Colorado, Florida, Idaho, Minnesota, Oregon, Tennessee, and Washington.

How can I get started?

Contact us today for a free consultation. Our team is ready to assist you with your mortgage and lending needs.