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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He is kind, Thourough, timely and always respectful.
Reply from David Fernandes
June 29th, 2026 07:11 PM
Thank you, Gail, for your kind words. I appreciate your recognition of my efforts to be thorough, timely, and respectful throughout the process. It was a pleasure to assist you with your cash-out refinance at West Capital Lending.
You were available when we had questions and helped to navigate everything
Reply from David Fernandes
June 29th, 2026 07:11 PM
Sandra, I appreciate your kind words. I'm glad I could be available to answer your questions and assist you through the process. Thank you for trusting me with your financial needs.
Very informative from being to end of the whole loan process. Answered every question I had and made the whole process seem like a breeze
Reply from David Fernandes
June 29th, 2026 07:11 PM
I appreciate your feedback, Matthew. I'm glad that you found the loan process informative and straightforward. It was important to me to answer all of your questions along the way, ensuring the process felt easy for you. Thank you for sharing...
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Quick to respond and guide us through the proces.
Reply from David Fernandes
June 29th, 2026 07:11 PM
Pamela, I'm pleased to know my responsiveness and guidance were helpful to you. If you have any more questions or need further assistance, please don't hesitate to reach out. Thank you for your feedback.
David was quick to respond and knowledgeable about the process and my options. He is upfront and honest and overall great to work with!
Reply from David Fernandes
June 29th, 2026 07:11 PM
It's great to hear that you had a positive experience with the support and knowledge I provided. I value honesty and transparency, so I'm glad these qualities stood out during our work together. Thank you for sharing your feedback, and I look...
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David is patient, reassuring, and knowledgeable. He helps make the loan experience stress free.
Reply from David Fernandes
June 29th, 2026 07:11 PM
I'm pleased to hear that you found the loan experience to be stress-free. It's important to me that you feel supported and confident throughout the process. Thank you for your kind words about my approach, and if there's anything else you need,...
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The commucation from David and his team were great. Very responsive and quick! We started the process on 10/27 and completed and funded by 11/25. No isuses on their end! Would highly recommend
Reply from David Fernandes
June 29th, 2026 07:11 PM
I'm pleased to hear that you found the communication from my team and me effective and timely throughout your cash-out refinance process. Completing everything from start to finish in less than a month is a testament to our commitment to responsiveness....
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I recently completed my VA refinance with David, and the experience was outstanding from start to finish. His knowledge of VA lending is exceptional. He explained every step clearly, anticipated potential issues before they came up, and made...
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Reply from David Fernandes
June 29th, 2026 07:11 PM
Your feedback means a lot to me. It's great to hear that you found the VA refinance process smooth and stress-free. I aim to provide clear and thorough guidance, and I'm pleased that my approach resonated with you. Staying on top of details...
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Whole process was easy and handled well. Would recommend to anyone needing home equity help.
Reply from David Fernandes
June 29th, 2026 07:11 PM
It's great to know that you found the process easy and well-handled. I appreciate your recommendation and am glad I could assist with your home equity needs. If you have any more questions or need further assistance in the future, feel free...
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Worked very hard and professional to get my home refinancing, always kept me updated and informed
Reply from David Fernandes
June 29th, 2026 07:11 PM
I appreciate your feedback and am glad to hear that you felt well-informed and updated during your home refinancing process. Working diligently to keep you informed is essential, and I'm pleased that my efforts helped make the experience a...
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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