David Fernandes
Executive Branch Manager
Our mission is to serve our clients with honesty and openness. We strive to build lasting relationships by empowering consumers with knowledge about real estate finance, alongside offering some of the most competitive programs available na... Show More
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We first spoke with David Fernandez last year when we were looking into a second mortgage. At the time, we couldn’t move forward because of our credit score. David also offered us the option of a first mortgage, but we decided to wait.This...
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I was a little hesitant in the beginning because everything was done online and through an app, rather than with a bank or lender I was already familiar with. However, once we got into the process, David was there every step of the way and...
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DAVID STAYED IN CONTACT AND HELP THROUGH ALL THIS NEW ONLINE STUFF
Attentiveness and knowledgeable thru the entire process Quick to close
David explained the process in great detail, making it completely easy to understand. - detailed the steps that would be taken and what would be needed at every step and he was there with me every step of the way all the way to completion....
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A
vailability of staff, able to answer questions quickly and knowledge of process
From beginning to end , we appreciated the transparency and communication. No matter when I reached out there was quick response. You guys are great!!
Reply from David Fernandes
June 29th, 2026 07:11 PM
Lauren, I'm happy to hear that you appreciated the transparency and communication throughout the process. It's important to me to be responsive and ensure you feel well-supported at every step. Thank you for your kind words!
The wonderful customer service. Really felt that they did everything to help us achieve our goal in such a timely manner.
Reply from David Fernandes
June 29th, 2026 07:11 PM
Thank you being so easy to work with along the way. Shows how quickly we can close when we get the chance to work with someone as efficient as you!
Shilo and David were absolutely wonderful. They are professional, assertive, and polite. If you want excellent customer service, you needn't look further.
Reply from David Fernandes
June 29th, 2026 07:11 PM
We appreciate your patience through the process Candice! Sometimes Texas can be a tricky state with their cash out regs, but glad we were able to get everything done just in time for your cutoff :)
Everyone was responsive and professional. No surprises! All went well. Thank you.
Reply from David Fernandes
June 29th, 2026 07:11 PM
I'm glad to hear that everything went smoothly for you, Rebekah. Your satisfaction with the professionalism and responsiveness of our team means a lot to me. Thank you for sharing your positive experience with us.
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About
Our mission is to serve our clients with honesty and openness. We strive to build lasting relationships by empowering consumers with knowledge about real estate finance, alongside offering some of the most competitive programs available nationwide.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Specialities
Refinance and Purchase Mortgages for the following: Credit scores from 500, HELOCs, 100% financing, SE Loans, Bank Statement Loans, Conventional, Jumbo, FHA, VA, Investor, Bridge and Construction Loans, HECM - Reverse/Proprietary, Fix and Flip
Realtor Representation
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Positions
- West Capital Lending - Executive Branch ManagerAug 1st, 2022 - Current
Memberships
- California Department of Real Estate
Year Started
2004
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS #808033
- CA Real Estate Broker Lic #02203533
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