Brett Payne
Branch Manager
California State University, Fullerton
We aim to service customers with honesty and integrity. Our goal is to provide home loans to our clients while giving them with the lowest interest rates and closing costs possible.
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Brett listened to what I was trying to accomplish and helped me get to that goal. He did not try to sell me something that I did not want. Other lending agencies where offering me something that I did not want.
Reply from Brett Payne
June 29th, 2026 06:49 PM
Thank you for such an open and transparent conversation—it’s clear you know exactly what you want! I truly appreciate you sharing your goals and needs regarding the equity in your home. When someone knows what they want, the best thing we can...
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Mr. Payne truly is one in a million. He is tenacious and finds solutions for any potholes or hold ups one may encounter. He is a get the job done kind of guy who cares about his clients. Mr. Payne has a wealth of successful financial experience...
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Reply from Brett Payne
June 29th, 2026 06:49 PM
Wow, this truly means so much to me. In lending, we don't just process loans—we communicate, support, and do our best to help people achieve their financial goals. For some lenders, that's where it ends. But for me, it's about building relationships...
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Brett was very personable and on top of getting the loan process completed. He checked in with me every day and if I had a question he got back to me in a timely manner!
Reply from Brett Payne
June 29th, 2026 06:49 PM
Thank you, thank you, thank you!! I love that I can give back, that I can take my experience in lending and provide a 5 star experience for a client... A referral client at that but not just a client a new friend. This is what this is all about,...
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Brett was on top of everything related to my refi loan and kept me in the loop of everything that was happening throughout the process. It was a joy to work with someone so knowledgeable about refi and loans, the mortgage process, and handholding...
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Reply from Brett Payne
June 29th, 2026 06:49 PM
Thank you so much for sharing your refinancing experience—it truly means a lot! Manufactured homes deserve excellent financing options, and I'm honored to have assisted you in this journey. Your trust and business are greatly appreciated. Please...
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Brett was very professional and went above and beyond to make sure we got the best rate
Reply from Brett Payne
June 29th, 2026 06:49 PM
Thank you, Karina, for your trust and your business!!! Excited for you and your future home purchases!! Hoping that I can line up financing for any and all of your home finance needs!
Brett first of all was the only person to add a picture to a name when I was flooded with phone calls and texts which made him the reason to use him. From the very beginning he was so helpful and patient with me when I told him I needed a few...
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Reply from Brett Payne
June 29th, 2026 06:49 PM
Oh wow!! I did not know and am grateful that you shared this!! I will make sure to continue to use the business card going forward!! Aside from that, I AM SOOOO PUMPED for your NEW KITCHEN!!! You have to keep in touch with updates, and I will...
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Overall, this was a good experience.
Reply from Brett Payne
June 29th, 2026 06:49 PM
Thank you Mike!! Great to get to know you and help with the loan! I appreciate your shares about my Grandfather's Plane. Rates will drop and I will be here for you.... Keep in touch and stay well!
! effortitToo many last minute obstacles/mistakes to deal with which made the whole process too stressful! Brett did give it his best effort!
Brett was both professional & personable. The whole process from beginning to end was relatively painless. And approval & payout quick.Brett also advised me I could contact him for any future questions regarding my HELOC.Thank you Brett & Team...
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Reply from Brett Payne
June 29th, 2026 06:49 PM
Lynn... If you lived closer, I am sure we would have met for lunch!! I feel like I know you and grew closer with you than my family!!! I am glad that we were able to step in and take what another lender was taking weeks/month on, we got done...
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Brett listened to what I needed, asked relevant questions, and gave me a few options to evaluate. He always took my calls and texts throughout the process.
Reply from Brett Payne
June 29th, 2026 06:49 PM
Thank you John and I am excited that this one worked out, quick and easy process to get the loan funded!! As a reminder, I am here for you always, message or call and I will have market updates ready to go for you!!
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About
We aim to service customers with honesty and integrity. Our goal is to provide home loans to our clients while giving them with the lowest interest rates and closing costs possible.
Products & Services
Mortgage Loan Officer
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Education
- California State University, FullertonFinanceBachelor of Business Administration (BBA)
Positions
- West Capital Lending - Branch ManagerDec 16th, 2024 - Current
- LoanDepot - Production ManagerOct 31st, 2011 - Dec 12th, 2024
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Memberships
- AIM Fitness Costa Mesa
- Beachcities Community Church
Year Started
2003
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS #211505; AZ, CA, CO, DE, FL, HI, ID, IA, KY, MD, ME, MN, OR, PA, TN, TX, UT, VA, WA, WY
Gallery
Awards
Chairman's Elite -...
Chairman's Elite -...
Hobbies
- Coaching Baseball
- Getting to the gym or going on walks/hikes
- Spending time at the beach with my crew
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Disclaimer
WCL is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract) because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.
Copyright ©
2026
West Capital Lending, Inc.
All Rights Reserved. | NMLS# 1566096 DRE# 02022356 -
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