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 is truly a man of his word. Everything he promised was delivered exactly as stated, and I never had to wait around for a call back. His customer service was excellent, and his communication throughout the entire process was top‑notch....
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Reply from Brian Ramos
March 26th, 2026 06:14 PM
Kevin, "a man of his word" - that one hits different, and I mean that. Delivering exactly what I promise and making sure you never had to wait on me is the standard I hold myself to every single time. Working with you was genuinely one of the...
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If you’ve ever gone into the loan process expecting stress, confusion, and at least one mild existential crisis… let me introduce you to Brian Ramos at West Cap, who somehow turned the entire experience into something dangerously close to enjoyable....
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Reply from Brian Ramos
June 29th, 2026 06:48 PM
Vladimir, "slightly disappointed you no longer had a reason to email me every day" - I'll be honest, I felt that too. Reviews like this one remind me exactly why I do this work, and the fact that you walked away actually understanding what...
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Brian is a fantastic person and excellent loan officer. My wife and I worked with Brian to obtain financing for our first home; Brian simplified the process, explained everything in detail, and is very responsive. I've since refinanced twice...
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Reply from Brian Ramos
June 29th, 2026 06:48 PM
Manoah, three times - and that means more to me than any words I could write here. You and your wife trusted me with your first home and kept coming back, and that kind of loyalty is something I genuinely don't take for granted. Thank you for...
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Brian truly modeled the highest level of customer service and support from beginning, throughout, and to the very end of our loan process. He values each customer and always delivered service with joy and intention. He and Dan made the process...
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Reply from Brian Ramos
March 26th, 2026 08:43 PM
Talisa, "reminds you of goodness in this world" - I am going to carry that one with me for a long time. You and Cortez were patient, communicative, and genuinely a joy to work alongside every step of the way, and Dan would say the same. Knowing...
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Brian truly modeled the highest level of customer service and support from beginning, throughout, and to the very end of our loan process. He values each customer and always delivered service with joy and intention. He and Dan made the process...
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Reply from Owner
March 26th, 2026 08:43 PM
Talisa, "reminds you of goodness in this world" - I am going to carry that one with me for a long time. You and Cortez were patient, communicative, and genuinely a joy to work alongside every step of the way, and Dan would say the same. Knowing...
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Brian did great work on a third mortgage. Closed and funded in 10 days from application to money in my account. All went smooth and quickly. Any issue and Brian was on top of often before I knew about it. Great work and easy to work with. Best...
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Reply from Brian Ramos
March 26th, 2026 08:45 PM
Mike, ten days from application to funded and a fixed rate in your pocket - that's exactly how it should work every time. Being a step ahead so you never had to worry was the least I could do. Thank you for trusting me with this one and for...
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Brian did great work on a third mortgage. Closed and funded in 10 days from application to money in my account. All went smooth and quickly. Any issue and Brian was on top of often before I knew about it. Great work and easy to work with. Best...
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Reply from Owner
March 26th, 2026 08:45 PM
Mike, ten days from application to funded and a fixed rate in your pocket - that's exactly how it should work every time. Being a step ahead so you never had to worry was the least I could do. Thank you for trusting me with this one and for...
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Brian was an all around great guy to work with, he was straight forward from beginning to end. We started the loan process on March 2nd and the money was in our bank March 10th!! THATS AMAZING!! I will definately be telling my family and friends...
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Reply from Brian Ramos
June 29th, 2026 06:48 PM
Charles, "straightforward from beginning to end" - that is the only way I know how to operate, and hearing it put that way means everything to me. Eight days from start to funded is something we take real pride in, and you and Jennifer made...
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Brian made the whole loan process effortless and easy. Very patient and attentive. Could not ask for a better experience.
Reply from Brian Ramos
June 29th, 2026 06:48 PM
Gina, "effortless and easy" is exactly what we work toward every single time. It was a genuine pleasure, and I'm grateful you trusted me with something this important. Wishing you all the best in your new chapter.
Your friend Brian.
Brian was very patient and walked me through every step, he responded quickly and handled any issues that came up even on a SUNDAY night. The service and support from Brian and Dan was great, the issues that came up were not on their side and...
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Reply from Brian Ramos
June 29th, 2026 06:48 PM
Jennifer, patience on a Sunday night is exactly the standard we hold ourselves to - so hearing that it showed means everything. Dan and I were both honored to be in your corner through every twist and turn, and we're just glad we got you across...
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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
- West Capital Lending - 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 -
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