If your current loan no longer fits your financial situation, West Capital Lending can help you explore
refinance options across a network of 150+ lenders — with a process designed to move efficiently.
Refinancing makes sense for homeowners who want to restructure their current mortgage — whether to
change the loan term, switch from an adjustable to a fixed rate, remove mortgage insurance, or reduce
monthly obligations. West Capital Lending works with homeowners in California and 35 other states to
evaluate refinance scenarios against their current loan and long-term goals.
- Existing mortgage on a primary residence, second home, or investment property
- Minimum equity requirements vary by loan program (typically 5–20%)
- Credit score requirements vary by loan type and lender
- Debt-to-income ratio reviewed per lender guidelines; non-QM options available for non-traditional borrowers
- Property appraisal typically required (some streamline programs may waive this)
- Current mortgage must be in good standing in most cases; exceptions apply for certain government-backed programs
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.