Your Mortgage. Your Options.
Let's findyour lowest available rate.
Whether you're buying a home, refinancing, or accessing your home's equity, I'll help you compare competitive mortgage options and find the right solution for your goals.
Takes about 2 minutes • No obligation
4.8
from 4,681 Google reviews
Explore Your Loan OptionsQuick, easy & no obligation
“Excellent, responsive communication. He also got me a rate 0.875% lower than four other lenders I was working with for this home purchase.”
aaron moy on GoogleWhere do you want to start?
Pick the one that fits. Every option takes about two minutes, and Charles follows up personally.
- Get pre-qualified todaySee your buying power before you fall for a house.
- Check my refinance rateFind out if a lower payment is on the table.
- How much cash can I get?Tap your equity and keep your first-mortgage rate.
- What's my home worth?An estimate from real property data.
- Run the numbers7 calculators for payments, affordability and more.
Buy a home
Refinance
Home equity
VA and FHA
Self-employed options
NMLS #1795409
Different Goals. Different Loans. One Place to Start.
Buying, refinancing, or tapping into your home's equity? Tell me what you're looking to accomplish, and I'll help you explore your options.
Where you are
Conventional + FHA loansBuy or refinance with flexible options
Buying your first home? FHA loans and down payment assistance programs are built for exactly this.
See What I Qualify ForHELOC & Home EquityAccess equity. Keep your first mortgage
Need cash? A HELOC taps your equity and leaves your first mortgage and its rate alone.
See How Much I Can BorrowBank statement loanSelf-employed? Your deposits may qualify
Self-employed? A bank statement loan can qualify you on your deposits instead of your tax returns.
Check My EligibilityVA loansExclusive benefits for eligible military borrowers
Thank you for serving. VA loans were created for veterans and service members, with benefits other loans do not have.
Check VA EligibilityFlexible Credit ProgramsOptions beyond a perfect score
Credit took a hit? There are programs for borrowers after bankruptcy, with thin credit, or with an ITIN.
Do I Qualify?DSCR loanQualify on the rent
Buying a rental? A DSCR loan can qualify on the property's rent rather than your personal income.
See If My Rental Qualifies
Charles Calihan
NMLS #1795409 · West Capital Lending
4.8 on Google
elect your situation to explore mortgage options tailored to your goals..
See What I Qualify ForThe loan built for it
Conventional + FHA loansBuy or refinance with flexible options
HELOC & Home EquityAccess equity. Keep your first mortgage
Non-QM LoansOptions beyond traditional guidelines
Bank statement loanSelf-employed? Your deposits may qualify
VA loansExclusive benefits for eligible military borrowers
Flexible Credit ProgramsOptions beyond a perfect score
DSCR loanQualify on the rent
Big Decisions.
Better Numbers.
Free calculators, with no sign-up to look.
HOW IT WORKS
Three Simple Steps. One Mortgage Expert.
A simple process, personalized guidance, and support from start to finish.
1GET STARTED
Tell Me Your Goals
Share a few details about your goals and financial situation.
2EXPLORE OPTIONS
Find Your Best Fit
I'll help you compare available loan options and guide you through approval.
3MOVE FORWARD
Close With Confidence
From paperwork to closing, I'll be here to help every step of the way.
4.8
4,681 reviews of West Capital Lending on Google
Real People. Real Experiences.
Real Results.
“Excellent, responsive communication. He also got me a rate 0.875% lower than four other lenders I was working with for this home purchase.”
aaron moy
“James was my lender rep, and he kept me updated about next steps. He made the process easy.”
Nancy Castro
“Everything was done in a very professional manner, couldn't ask for more.”
Richard Myers
“Erik went out of his way for me. He has my business for life!”
Cynthia
“My experience with West Capitol Landing Was 10 out of 10 Jacob was the one helping me, and you can tell how professional he is and experience I 100% recommend West Capitol Landing, especially with Jacob.”
Juan Rodriguez
“Highly experienced people! They gave me several offers to suit my needs and made the process seamless.”
Mark Hasner
“Daniel Rendon is absolutely amazing. I needed money asap. Told him the time frame and he got it done for me! Thanks Daniel!”
Leen Harris
“Very very pleased with our experience...our Branch Manager Said made our experience so easy....would recommend to anyone!!!”
Trish Biggs
“Very courteous and effective.”
JoAnn Najewicz
“Very helpful and attentive throughout the process”
Dutch
Meet your loan officer.
Hi, I'm Charles Calihan!
With over 10 years of experience in the mortgage industry, I've helped hundreds of homeowners and homebuyers navigate one of life's biggest financial decisions.
As a mortgage professional with West Capital Lending, I specialize in helping clients find competitive wholesale financing options, whether they're purchasing a home, refinancing, consolidating debt, or accessing their home's equity.
I believe getting a mortgage shouldn't be complicated or stressful. My approach is simple: understand your goals, explain your options clearly, and help you make the best financial decision for your situation.
When you work with me, you're not just another application. You'll have a dedicated mortgage professional by your side, from our first conversation to the closing table.
Let's find the right mortgage solution for you.
Your Goals.
Your Mortgage. Your Way.
Let's find the right mortgage solution for you. No pressure, no obligation.
(949) 674-0754