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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I cannot express enough how Brian is a literal gift from above. He literally changed our lives for the better in an afternoon of phone calls, easiest process, explanations for any questions no hard sell no BS just an honest good person in banking...
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Reply from Brian Ramos
August 31st, 2026 07:52 PM
Thank you for the 5-Star review. If you need anything, feel free to give us a call.
I cannot express enough how Brian is a literal gift from above. He literally changed our lives for the better in an afternoon of phone calls, easiest process, explanations for any questions no hard sell no BS just an honest good person in banking...
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Reply from Owner
September 3rd, 2026 04:47 PM
Christy, I've read this one a few times, and I'm still a little floored by it. Getting to change things for the better for you and your family, and for you to come back and let me do it a second time, is about the most meaningful thing this...
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I was always able to reach someone when I needed to.
Reply from Brian Ramos
September 3rd, 2026 04:48 PM
Randolph, being reachable when you need me is just how it should work, and I'm glad it showed. It was a pleasure helping you.
Brian did a fantastic job getting my husband and I our home loan. We completed the paperwork approval and notary process all in one day with the loan funding within three business days. The whole process couldn't have been easier. Brian was...
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Reply from Brian Ramos
August 31st, 2026 08:00 PM
It was great working with you. Thanks again for putting your trust in us.
Brian was fantastic. He made the loan process incredibly easy and was so attentive and quick to respond to any questions we had. We started the loan process at 9:30 am on a Wednesday and we're approved and finished with the paperwork by 3:30...
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Reply from Owner
September 3rd, 2026 04:50 PM
Barbara, easy and quick to answer is exactly how I want the process to feel, so hearing it landed that way means a lot. You and I both know that Wednesday moved fast, and getting you across the line the same day was a good one. Couldn't have...
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Brian was very pleasant and informative, explained and worked with me throughout the entire process. Answered any questions I might have had, and makes himself available for any future concerns.
Reply from Brian Ramos
September 3rd, 2026 05:47 PM
No drama, no runaround, just the whole process explained and worked through together. That's the version of this I always aim for, Cecilia. Thank you for the questions along the way, and for trusting me to answer them. When the next thing comes...
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I am a veteran and would recommend Brain Ramos for any type of business needs, Brain did an outstanding job during our recent refinance. We have done business with Brian for 8 years and we trust him with all of our financial business. He always...
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Reply from Brian Ramos
August 31st, 2026 07:51 PM
Helping great customers like you is why I'm in this business. Thank you so much for your business and great feedback.
Brian was very personable, walked me through every step of the way on my heloc loan. He explained everything so I never had any questions. Would definitely use them again!!
Reply from Owner
September 3rd, 2026 05:45 PM
Cecilia, my goal is to explain things so clearly that you never have to ask a question. I'm really glad to hear it worked out that way. I enjoy walking you through every step of the process. It means a lot to me that you came back around, and...
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Brian helped me get a great rate on a HELOC. More importantly he is friendly, responsive, funny and genuinely cares about building relationships. He was a blessing to work with and was always available when I had questions or concerns. If the...
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Reply from Owner
September 3rd, 2026 05:46 PM
I found your comment to be quite unexpected, Kathy, and it might be my favorite thing anyone has said in a review. The fact that you were there to address any questions and genuinely cared about how our relationship developed is something I...
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Brian is responsive, friendly, funny and incredibly good at what he does. Not only did he help me get a great rate on my HELOC, but he communicates in such a way that shows he genuinely cares about the relationship side of the business - what...
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Reply from Brian Ramos
September 3rd, 2026 05:44 PM
"What a treasure" - I'm going to be thinking about that one for a while, [Name]. Being good at the mechanics is the baseline, but caring about how the relationship actually goes is the part I'd never trade, so having you notice it means a lot....
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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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