Modern home exterior
Fixed Rates for January

Unlock Your Wealth
Without Selling.

Time is money. We save you both. Experience the Mercedes quality process at a Corolla price with Eddie Barragan's Team.

4.9★ (150+ Reviews) 1,000+ Families Helped 5-Day Funding
No Obligation Quote Soft Pull (No Impact)*

Personalized Options

Select a loan product to begin

Complete Your HELOC in
5 Days or Less!*

*Best-case timeline; timing varies by property, title, valuation, borrower responsiveness, and underwriting. Not a guarantee.

Our process is 100% digital, 100% seamless, and 100% geared toward getting funds in your account fast.

Unique AI Underwriter

Paystubs and tax returns may not be required. Digital income verification available for self-employed.*

Private Funds Use

Funds go straight to your bank account. Spend it how you want.

"Quality of a Mercedes for the price of a Corolla."

  • Tax Returns May Not Be Required*
  • Paystubs May Not Be Required*
  • Appraisal May Not Be Required*
Call Now: (949) 702-8443
*Subject to property eligibility & credit approval. Conditions apply.
Flexible Lending

Built for Real Life

We say yes when big banks say no. Specialized programs for complex scenarios.

Self-Employed?

Verify your income digitally. Tax returns may not be required. We understand business owners.

Trusts & Entities

We lend directly to Revocable Trusts and LLCs. Protect your assets while accessing equity.

Property Types

Funding available for Primary Residences, Second Homes, and Investment Properties.

The Process

The 5-Day Blueprint

How we use technology to beat the banks and fund you faster.

1

Apply Digital

5-minute online application. No paperwork upload needed for most.

2

AI Underwrite

Our AI verifies income & property value instantly. (Day 1-2)

3

Remote Notary

Sign securely from anywhere via video call on your phone or computer. (Day 3)

Funding

Funds wired directly to your bank account. (Day 5)

Financial Calculators

Transparent numbers. No hidden fees.

Estimated Monthly Payment

$867.82
Principal & Interest
Speak to AI Assistant

Interest Only Payment

$750.00
10 Year IO Period

Estimated Total Payment

$3,128.61
Includes Est. Taxes & Insurance

Monthly Savings

$519.17

Break-Even Point: ~18 months

Current PITI$3,646
New PITI$3,127

DSCR Ratio

1.06
Cash Flow Positive
Gross Rent: $3,500
Total PITIA: $3,296
Speak to AI Assistant

Amortization Schedule

Breakdown of principal & interest.

Monthly Payment

$0.00

Total Interest

$0.00

Total Cost

$0.00

Month Payment Principal Interest Balance

Your Blended Rate

4.00%
vs. Cash-Out Refi @ 7.00%

You Save Huge by Keeping your 1st Mortgage!

Total Savings

Time Saved

11 Years 3 Months

Interest Saved

$185,432
New Payoff Time: 18 Years 9 Months

5-Year Analysis

Total Rent Paid (Gone Forever)

$150,000

Equity Gained (Wealth)

$95,432
Don't pay your landlord's mortgage. Pay your own.
Eddie Barragan, Executive Branch Manager at West Capital Lending, NMLS #1828140 - Mortgage and HELOC specialist

Meet Eddie Barragan

Executive Branch Manager | NMLS #1828140 | DRE #2227951

I started in the mortgage industry in 2014, moving up from contact lending to management. I now run a highly trained team of assistants dedicated to processing your loan with speed.

My philosophy is simple: family is everything. I work day and night for my clients because I know you are doing the same for yours.

Licensed In:

Alabama, Arizona, California, Colorado, Delaware, Florida, Iowa, Maine, Maryland, Oklahoma, Pennsylvania, Tennessee, Texas, Utah, Washington.

Start With Clarity — Not Guesswork

You don't need to guess. You don't need to commit.

You just need to see your options first.

Speak to My AI Underwriter (949) 702-8443
Soft pull (no impact)* No call blasts One point of contact
See All 150+ Reviews on Experience.com

DSCR Investment Loans

Scale your portfolio without tax returns. We qualify based on the property's cash flow, not your personal income.

No Income Docs

Tax returns, W2s, or paystubs may not be required. Qualification is based on the rental income of the property.

Cash Flow Based

If the monthly rent covers the mortgage payment (DSCR > 1.0), you likely qualify.

Get Your Custom Quote

Answer a few questions to see your options.

What is your primary goal?

How will you use this property?

Tell us about the property

Rental Income

Financial Profile

How much equity are you looking to access?

Funding Details

Where should we send your quote?

We've gathered your info. Enter your details to view options.

256-bit SSL Secured No Impact to Credit Score Info Never Sold

Thank You!

We have received your basic information. To expedite your request, please fill out the complete application securely below.

Start Full Application

Refinance Your Mortgage

Lower your monthly payment, shorten your term, or access cash for what matters most.

Cash-Out Refinance

Use your home's equity to pay off high-interest debt, fund home improvements, or invest.

Rate & Term

Lower your interest rate or change your loan term to pay off your home faster.

Buy Your Dream Home

Fast pre-approvals and competitive rates to help you win the offer.

The Pre-Approval Advantage

In today's market, speed wins. Eddie Barragan's team can get you pre-approved quickly so sellers know you are serious.

  • Same-day pre-approval letters
  • Competitive Jumbo & Conventional rates
  • Expert guidance on offers
Read Reviews
Beautiful modern home exterior - Your dream home awaits with West Capital Lending financing
150+ Five-Star Reviews

Terms and Conditions

Effective Date: January 1, 2024 | Last Updated: January 10, 2026

Welcome to the West Capital Lending / Eddie Barragan Team website. By accessing or using this site, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use this website.

1. Use of Site

This website provides general information about mortgage products, rates, and services offered by West Capital Lending, Inc. and Eddie Barragan ("we," "us," or "our"). All loan estimates, payment calculations, savings projections, and rate quotes provided on this site are for informational and educational purposes only. They are estimates and do not constitute a commitment to lend, a loan approval, or a guarantee of any specific rate or terms.

2. No Commitment to Lend

Nothing on this website constitutes a loan commitment, pre-approval, or binding offer. All loans are subject to credit approval, property appraisal, underwriting requirements, and other conditions. Rates, terms, programs, and guidelines are subject to change without notice. Your actual rate, payment, and loan terms will be determined based on your complete loan application, credit profile, property characteristics, and current market conditions at the time of lock.

3. Calculator Disclaimer

The mortgage calculators, payment estimators, debt consolidation tools, and other financial calculators on this site are provided for illustrative purposes only. Results are based on the information you input and general assumptions. Actual payments, savings, rates, and costs may vary significantly. These tools do not account for all fees, taxes, insurance, or other costs that may apply to your specific situation. Do not rely solely on calculator results when making financial decisions.

4. Licensing Information

West Capital Lending, Inc.
NMLS ID #1566096
Headquarters: 17911 Von Karman Ave, Suite 400, Irvine, CA 92614

Eddie Barragan
NMLS ID #1828140 | DRE #2227951
Executive Branch Manager

Licensed States: Alabama (AL), Arizona (AZ), California (CA), Colorado (CO), Delaware (DE), Florida (FL), Iowa (IA), Maine (ME), Maryland (MD), Oklahoma (OK), Pennsylvania (PA), Tennessee (TN), Texas (TX), Utah (UT), Washington (WA)

For licensing information, visit NMLS Consumer Access.

5. Equal Housing Lender

West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, familial status, or any other protected class.

6. Third-Party Links

This website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of any third-party sites. Links are provided for convenience only and do not imply endorsement.

7. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of West Capital Lending, Inc. or its licensors and is protected by copyright and trademark laws. You may not reproduce, distribute, or use any content without prior written consent.

8. Limitation of Liability

To the fullest extent permitted by law, West Capital Lending, Inc. and Eddie Barragan shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website or reliance on any information provided herein. This website and its content are provided "as is" without warranties of any kind.

9. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles.

10. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting. Your continued use of the website after any changes constitutes acceptance of the updated terms.

11. SMS/Text Message Policy (TCPA Compliance)

By providing your phone number and consenting to receive text messages, you agree to the following:

  • Message Content: You may receive text messages related to your mortgage inquiry, application status, appointment reminders, and promotional offers from West Capital Lending and Eddie Barragan's team.
  • Message Frequency: Message frequency varies based on your inquiry and application status. You may receive up to 10 messages per month.
  • Carrier Fees: Message and data rates may apply. Check with your mobile carrier for details.
  • Opt-Out: You may opt out at any time by replying STOP to any message. You will receive a confirmation message and no further texts will be sent unless you re-consent.
  • Help: Reply HELP to any message for assistance, or contact us at (949) 702-8443.
  • No Purchase Required: Consent to receive text messages is not a condition of purchasing any goods or services.
  • Supported Carriers: Major carriers supported. T-Mobile is not liable for delayed or undelivered messages.

By submitting your phone number, you expressly consent to receive autodialed, pre-recorded, and/or AI-assisted calls and texts at the number provided for marketing and informational purposes. Standard message and data rates apply.

TEXAS RECOVERY FUND NOTICE

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.

11. Contact Us

If you have questions about these Terms, please contact us:

Eddie Barragan
West Capital Lending, Inc.
Phone: (949) 702-8443
NMLS #1828140

Privacy Policy

Effective Date: January 1, 2024 | Last Updated: January 10, 2026

Your privacy is important to us. This Privacy Policy explains how West Capital Lending, Inc. and Eddie Barragan ("we," "us," or "our") collect, use, disclose, and protect your personal information when you use our website, calculators, forms, and services.

1. Information We Collect

Information You Provide Directly:

  • Contact information: name, email address, phone number, mailing address
  • Financial information: income estimates, debt amounts, property values, loan amounts
  • Property information: address, property type, estimated value
  • Loan preferences: loan type, timeline, goals
  • Quiz and form responses

Information Collected Automatically:

  • Device information: browser type, operating system, device type
  • Usage data: pages visited, time spent, clicks, scroll depth
  • IP address and approximate location
  • Referral source and marketing attribution
  • Cookies and similar tracking technologies

2. How We Use Your Information

We use your information to:

  • Provide loan estimates, quotes, and personalized recommendations
  • Process loan applications and verify information
  • Communicate with you about your inquiry, application status, and loan options
  • Send marketing communications (with your consent)
  • Improve our website, services, and user experience
  • Comply with legal and regulatory requirements
  • Prevent fraud and protect our business

SMS/Text Message Consent (A2P 10DLC)

By providing your phone number on this website, you expressly consent to receive:

  • SMS text messages from West Capital Lending and Eddie Barragan
  • Phone calls, including calls made using automated technology or artificial intelligence
  • Pre-recorded or artificial voice messages

These communications may include:

  • Responses to your inquiries
  • Loan status updates and reminders
  • Rate alerts and promotional offers
  • Appointment confirmations

Message frequency varies. Message and data rates may apply.

To opt out: Reply STOP to any text message to unsubscribe. Reply HELP for assistance.

Consent is not required as a condition of purchasing any goods or services. You may revoke consent at any time.

3. Information Sharing

We do NOT sell your personal information to third parties.

We may share your information with:

  • Service providers: Companies that help us operate our business (CRM, email, analytics)
  • Lending partners: Wholesale lenders and investors who fund loans (only if you apply)
  • Third-party services: Title companies, appraisers, insurance providers (as needed for your loan)
  • Legal compliance: When required by law, regulation, or legal process
  • Business transfers: In connection with a merger, acquisition, or sale of assets

4. Cookies and Tracking

We use cookies and similar technologies to:

  • Remember your preferences and settings
  • Analyze website traffic and usage patterns
  • Deliver targeted advertising
  • Measure marketing effectiveness

You can control cookies through your browser settings. Disabling cookies may affect website functionality.

Third-party analytics: We use Google Analytics and Facebook Pixel to understand how visitors interact with our site. These services may collect information about your online activities across websites.

5. Data Security

We implement industry-standard security measures to protect your information, including:

  • 256-bit SSL/TLS encryption for data transmission
  • Secure servers and access controls
  • Regular security assessments
  • Employee training on data protection

However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to:

  • Fulfill the purposes described in this policy
  • Comply with legal and regulatory requirements
  • Resolve disputes and enforce agreements

Loan application data may be retained for up to 7 years as required by federal regulations.

7. Your Rights

Depending on your location, you may have the right to:

  • Access the personal information we hold about you
  • Request correction of inaccurate information
  • Request deletion of your information (subject to legal exceptions)
  • Opt out of marketing communications
  • Opt out of the sale of personal information (we do not sell your data)

California Residents: Under the CCPA, you have additional rights regarding your personal information. Contact us to exercise these rights.

8. Children's Privacy

Our website is not intended for children under 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this policy periodically.

10. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us:

Eddie Barragan
West Capital Lending, Inc.
17911 Von Karman Ave, Suite 400
Irvine, CA 92614
Phone: (949) 702-8443
NMLS #1828140

NMLS Consumer Access: www.nmlsconsumeraccess.org

West Capital Lending, Inc. NMLS #1566096 | Eddie Barragan NMLS #1828140