In a competitive market, speed and certainty win deals. West Capital Lending works with 150+ lenders to match you with the right purchase loan — and a process built to close fast.
West Capital Lending’s purchase loan programs are designed for first-time buyers, move-up buyers,
and those relocating to or within California. Whether you’re purchasing a primary residence, a vacation
property, or an income-producing home, we’ll help you identify the right loan structure before you make
an offer. Our pre-approval process gives you real buying power — not just a rough estimate.
- Minimum credit score varies by loan type (conventional, FHA, VA, jumbo); we'll identify the right program for your profile
- Down payment options from 3% (conventional) or 3.5% (FHA) depending on loan program
- Debt-to-income ratio reviewed on a per-program basis — some non-QM options available for self-employed or non-traditional income borrowers
- Property must meet lender appraisal and condition requirements
- U.S. citizenship or permanent residency (or eligible non-citizen status) typically required; exceptions apply for certain programs
- Property types include single-family, condominiums, townhomes, and multi-unit (2–4 units) depending on loan type
Fill out the form below and a West Capital Lending advisor will reach out within one business day to
discuss your options — no commitment required.