Offering personalized services in Arizona, Alabama, Arkansas, California, Colorado, Connecticut, Florida, Hawaii, Iowa, Idaho, Kansa, Kentucky, Main, Minnesota, Missouri, Michigan, New Mexico, Ohio, Oregon, Oklahoma, Pennsylvania, south dakota, North Dakota, Texas, Tennessee, Virginia, Washington, Wisconsin & Utah
Welcome to West Capital Lending, Inc. 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 solutions tailored to your needs.
Home Purchases & Refinances
Secure 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.
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sherry schublom12 October 2026Trustindex verifies that the original source of the review is Google.
Very good customer service. Austin was very patient, knowledgeable, addressed all of our questions and was available when needed.Posted on Google![]()
SeaRay Beltran10 October 2026Trustindex verifies that the original source of the review is Google.
I had several issues getting started with WCL. However, after Austin got me set up and walked me through the system. Things moved smoothly for most of the it. Austin, was available for me at the 3 hours difference time zone. One small issues I believe WCL needs to always make sure they know each state they're helping their clients. This is regarding marriage status and requirements of each state. Overall, I'm very pleased with my service and the way Austin assured me of getting it all done. Much Mahalo, SRPosted on Google![]()
Trinidad Marin8 October 2026Trustindex verifies that the original source of the review is Google.
We had a very plasent experience working with Tyler.Posted on Google![]()
Zachary Roth7 October 2026Trustindex verifies that the original source of the review is Google.
I had a great experience with Zahami and Tyler getting a HELOC for a rental property. They took the time to see what my needs were and suggested the best options. It was a super simple process and didn’t require hardly any documentation. They closed it quickly and the online notary made it a breeze. They will be my first call for any future financial help and I would highly recommend them for any of your financial needs.Posted on Google![]()
Christina H23 September 2026Trustindex verifies that the original source of the review is Google.
I had a very pleasant experience working with Zahami and Tyler. Tyler was very informative and took his time on the phone with me to explore the best option for me. He thoroughly answered all of my questions and made the entire process as smooth as possible. I was able to get through the entire process and approved in one day. I will definitely be a repeat customer and couldn’t recommend a better duo to help you with your needs!Posted on Google![]()
Remy Fromm4 September 2026Trustindex verifies that the original source of the review is Google.
Zahami was awesome to work with! Extremely knowledgeable and works fast to get the process started. Thank you Zaharia!Posted on Google![]()
James Needham2 September 2026Trustindex verifies that the original source of the review is Google.
I was in such a panic going through the process of trying to get a traditional HELOC. I have lots of credit card debt. It was desperately trying to stop the bleeding. I’m so glad Gracia found me. Tyler was great to work with the process was easy and the money was funded Expediently. Thank you, Tyler and the Gracia team.Posted on Google![]()
Koa McKiernan23 August 2026Trustindex verifies that the original source of the review is Google.
★★★★★ I cannot say enough wonderful things about Zahami Gracia with West Capital Lending, Inc. From the very beginning, Zahami was professional, knowledgeable, informative, and incredibly responsive. He provided amazing and immediate assistance whenever we had questions and was always there to guide us through every step of the process. We truly appreciated how clearly he explained everything and how much time and effort he put into helping us successfully navigate both our HELOC loan and DSCR loan. He made what could have been a stressful and complicated process feel smooth, organized, and manageable. What stood out most was that Zahami genuinely cared about helping us. He was always available when we needed assistance, kept us informed, and went above and beyond from start to finish. We are extremely grateful for all of his hard work, patience, professionalism, and dedication. Thank you, Zahami, for being there every step of the way and for making such a positive difference in our lending experience! We would absolutely recommend him and West Capital Lending to anyone looking for knowledgeable and exceptional service.Posted on Google![]()
Toni Wilkinson8 August 2026Trustindex verifies that the original source of the review is Google.
Incredibly fast, easy, honest and just nice people to work with. I recommend this company to anyone. Seriously the easiest most hassle free system that they use. Amazing!Posted on Google![]()
Nicholas Main17 June 2026Trustindex verifies that the original source of the review is Google.
I had a great experience working with Zahami and his team. Everything was really simple and smooth and would highly recommend their services!
We offer a wide range of loans including FHA, VA, conventional, non-QM, HELOCs, HELOANS, HEIs and more.
Our streamlined process allows for approval and funding in as little as 5 days.
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.
We offer services in Arizona, Alabama, Arkansas, California, Colorado, Connecticut, Florida, Hawaii, Iowa, Idaho, Kansa, Kentucky, Main, Minnesota, Missouri, Michigan, New Hampshire, New Mexico, Ohio, Oregon, Oklahoma, Pennsylvania, South Dakota, Texas, Tennessee, Virginia, Washington & Wisconsin
Contact us today for a free consultation. Our team is ready to assist you with your mortgage and lending needs.