Brian Ramos
Vice President
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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Brian Listened!!! In that, he found the best options for me and my wife. He was the only lender to get us qualified with a VA Refinance while ever other lender always informed us we could not qualify. Brian and his team really worked hard for...
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Brian Ramos helped me get a home equity loan to consolidate debt. I originally came in wanting a HELOC, but he explained why a simple fixed-rate HEL fit my needs better and would save me real money — and he had me convinced before I even asked...
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Reply from Owner
July 18th, 2026 05:10 PM
Thank you for this, truly. You're right about the long game, and I'll say it plainly: I'd rather earn a client for twenty years than win a transaction today, and the only way I know to do that is to listen first and recommend what actually...
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I had an outstanding experience with Brian Ramos!! After looking at different options, I ultimately went with obtaining a second mortgage.Brian is very knowledgeable and has a wealth of experience. Brian explained every option available to...
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Reply from Brian Ramos
June 29th, 2026 10:45 PM
Teri, you never hesitated to ask, and getting to walk you through every question until things actually clicked is what makes this work worth it for me. Of everything you wrote, trustworthy is the word that stays with me, and it's a standard...
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We have worked with Brian several times and it's always a wonderful, stressfree experience. I wouldn't choose anyone else to work with if/when I need a home loan.
Brian made our entire process seamless and stress free. Helped find the best solution for our family and was with us every step of the way. I was so afraid of the process but I felt entirely safe and comfortable going forward with Brian who...
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The fact that Brian took the time to get to know my situation and listened to which earned my trust. He's the best..
Brian Ramos made our refinance and cash-out process incredibly smooth! From day one, he was transparent, responsive, very kind and took the time to explain all our options. He worked diligently to get us the best rate and helped us unlock our...
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Brian steered me the right direction, addressed my concerns becore I could raise them And made the whole process simple
Reply from Brian Ramos
July 16th, 2026 06:44 PM
Thank you, Robert. My goal is always to answer the questions before you have to ask them. Glad we made it simple. I'm a phone call away anytime.
Brian Ramos has received a review with 5 star rating from Esther Z
Reply from Owner
July 16th, 2026 06:45 PM
Thank you, Esther! I appreciate you taking the time to leave a rating. It was a pleasure working with you.
Communication and the way everything was explained in terms i I could understand. I'm not a financial person so I appreciate all the explaining and making sure I understand everything. Communication was excellent! Love the energy Thank You!...
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Reply from Brian Ramos
July 16th, 2026 06:45 PM
Thank you, Esther! I'll never forget that "explaining everything" is the whole job. Nobody should sign paperwork they don't fully understand, and I'm glad you never had to. Loved working with you, and the energy was mutual! 😀
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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 Broker
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Home Equity Loan
Mortgage Refinance
Reverse Mortgage
Specialities
Amazing Customer Experience
FHA Mortgage
FHA Streamline
U.S. VA Home Loan
U.S. VA IRRRL
DSCR - Investment Rental Income Loans
NON-QM / Bank Statement / Alternative Docs
Fixed Rate Home Equity Loan (HELOAN)
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Positions
- Trust One Financial - Senior Mortgage AdvisorJan 1st, 2025 - Current
Memberships
- NMLS
- DRE
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2003
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS #246752
- CA DRE #01753068
- AL NMLS
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Gallery
Awards
Top Loan Officer -...
Top Refinance Loan...
Achievements
- Thousands of homeowners helped throughout his career
- Over $1 billion in personal funded loan volume
- Nationally ranked, top-producing loan originator
Hobbies
- Family
- Trail Running
- Working Out
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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 -
NMLS Consumer Access (https://nmlsconsumeraccess.org)
https://westcapitallending.com/texas-complaint
https://westcapitallending.com/licensing