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 Ramos is so professional in dealing with us. He was thorough and assisted us with our refinancing. He provided us great services which is above and beyond our expectations. Great services.
Reply from Brian Ramos
July 16th, 2026 06:47 PM
Deo, thank you for this! "Above and beyond expectations" is the bar I set for every single file, so hearing we cleared it means everything. It was a pleasure working with you and your family, and I'm always here whenever you need me.
We've have recently used Brian for our property refi and we're very satisfied with our results where from start to finish took less than a week for final Funding. Highly recommend Brian Thanks again for your help and excellent serviceRandy...
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Reply from Owner
July 16th, 2026 06:48 PM
Randy, thank you! When everything lines up and a client comes ready like you did, great things happen. Glad you're happy with the result, that's what matters most on my end. Appreciate the recommendation, and I'm here anytime you need me.
Brian was efficient, professional and honest
Reply from Brian Ramos
July 16th, 2026 06:48 PM
Thank you, Gwenith! Honest is the one I'm proudest of. Grateful for your trust, and don't hesitate to reach out down the road.
I am not easy to get on the phone. A combination of living in poor reception and being on the phone often and unexpectedly for my own work make it nearly impossible. Text and emails are the only way for consistent communication, and Brian was...
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Reply from Owner
July 16th, 2026 06:51 PM
Thank you, Robert! Meeting clients where they're at isn't a special accommodation, it's just how this should work. Glad we found the rhythm that fit your life. Appreciate your trust, and you know where to find me, inbox always open.
What a Nice family Brian from the very beginning I knew I Found a Crown Jewel in a rep that could pull it off For the Thomas's. Low and behold i couldn't believe he was able get the loan all processed along with the closing.Only issue I had...
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Reply from Brian Ramos
July 16th, 2026 06:51 PM
Thank you, Randy! Taking care of the Thomas family has been a genuine pleasure, start to finish and beyond. I'll be right here whenever the time is right for you. Appreciate you!
The next time I need a loan, Brian will be the only person I call. He treated me like family and provided valuable knowledge, support, and advice while guiding me through the process to make it as easy as possible.I truly appreciate his help....
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Reply from Brian Ramos
July 16th, 2026 06:51 PM
Thank you, Gregory! "As easy as possible" is the promise I try to keep on every file, and I'm glad it held for yours. You know exactly where to find me next time, and I'll be ready.
Brian Ramos was an exceptional person to work with for acquiring a second mortgage. He was professional, knowledgeable, honest, and comfortable to work with from the start. I spoke with him not knowing exactly what financing vehicle I needed....
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Reply from Brian Ramos
June 29th, 2026 10:43 PM
Gwenith, you came in not totally sure which direction made sense, and getting to lay out every option so you could land on the right one is exactly how this should work. That's the part of the job I care about most. Of everything you mentioned,...
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Great customer service. Really frequent and thorough communication. Put a lot of effort and patience into helping find the rate and structure for my refinance and HELOC that would work within the payment I needed. I will absolutely call Brian...
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Reply from Owner
May 14th, 2026 03:35 PM
Thank you for the kind words here Jessica. It was a pleasure to help you achieve your goals and we did it with some creative outside the box ideas.
Very professional. Great to work with. Excellent communications. Rapid and straight forward responses.
Reply from Owner
May 11th, 2026 04:13 PM
It was an honor to assist you John, every part of working with you was great. You were always there and ready to ask how we could get to the next step which is where I am with you. I look forward to working with you again.
Brian was very helpful with the whole process he made sure we understood the entire process for getting a heloc about a year ago and this year we needed a little more and that went extremely smooth as well. Brian is a very personable and very...
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Reply from Owner
May 4th, 2026 04:54 PM
Jami, coming back a year later for round two means the world. The first HELOC set the foundation, and I'm glad the second one went just as smooth - that's how it should feel when you've already built the trust. Thank you for the kind words...
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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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