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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David explained in detail what reverse mortgage is to us and how it's beneficial to us, retired couple.He didn't pushed us to do it in the beginning and said to wait until interest go down which will give us more benefit, and when we decided...
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Reply from David Fernandes
June 29th, 2026 07:11 PM
I'm glad to hear that the explanation on reverse mortgages was clear and beneficial for you both. It's important to me that you feel confident in your financial decisions without pressure, so it was a pleasure to guide you through the process...
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I would like to express my utmost appreciation for David Fernandes. His customer service is exceptional and went above and beyond to exceeding my expectation. He demonstrated a high level of responsiveness and attentiveness to my inquiries...
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Reply from David Fernandes
June 29th, 2026 07:11 PM
Thank you, Monica, for your thoughtful review. I'm truly grateful for your appreciation and am pleased to hear that you found my customer service exceptional. It was important to me that all your inquiries and concerns were addressed promptly...
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David was very helpful. He always answered any questions promptly & explained things thoroughly. The loan process went smoothly & we got our money quick!
Thank you David!
Reply from David Fernandes
June 29th, 2026 07:11 PM
I'm thrilled to hear that the loan process went smoothly and that you received your funds quickly. It was a pleasure assisting you, and I appreciate your kind words about my service. Thank you for choosing West Capital Lending for your cash-out...
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David is very knowledgeable and professional in helping me find the right loan for my situation. He very clearly explained my options and once the correct product for me was identified, he walked me through the procees in a very concise manner....
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Reply from David Fernandes
June 29th, 2026 07:11 PM
I'm thrilled to hear that I was able to help you navigate your complex situation and ease some of your burden during a difficult time. It's rewarding to know that the options and process were clear to you. Thank you for your kind words and...
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David Fernandes Is very knowledgeable and helped us well through the process. He made us feel comfortable when we had to make decisions. We couldn't be happier with his help and West Capital Lending in reaching our goals and highly recommend...
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Reply from David Fernandes
June 29th, 2026 07:11 PM
I'm thrilled to hear that you felt comfortable and well-supported throughout your cash-out refinance process. It was a pleasure assisting you, and I am delighted that we could help you achieve your goals. Thank you for your kind recommendation...
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Speed and honesty
Reply from David Fernandes
June 29th, 2026 07:11 PM
I'm glad to hear that you appreciated the speed and honesty of the process, Augustine. It was a pleasure assisting you at West Capital Lending. Thank you for your feedback!
David had to work hard to show us what needed to be shored up in order for us to qualify. His advice was spot on and w were able to close the loan with very few surprises, of which none were serious. Great experience. Great people to work with!...
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Reply from David Fernandes
June 29th, 2026 07:11 PM
I'm thrilled to hear that you had a great experience with your cash-out refinance. It was my pleasure to guide you through the process and ensure everything was in place for a smooth closing. Thank you for your kind words and for choosing West...
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David was very easy to deal with and it was a pleasure doing business with him !
Reply from David Fernandes
June 29th, 2026 07:11 PM
I'm thrilled to hear that you found the process easy and enjoyable, Barry. It was a pleasure assisting you with your cash-out refinance at West Capital Lending. Thank you for your kind words and for choosing to work with us.
How fast my loan whet though
Thank you,
Reply from David Fernandes
June 29th, 2026 07:11 PM
I'm glad to hear that your loan process was fast and efficient. It was a pleasure assisting you with your purchase. If you have any further questions or need assistance, feel free to reach out.
i have bought and refinanced homes and rental properties over tge years. Having the right mortgage broker makes all the difference. David was one of the best, if not the best that i have had. Believe me shen i say that his knowledge of the...
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Reply from David Fernandes
June 29th, 2026 07:11 PM
It was a pleasure to assist you, and I'm glad my knowledge and expertise could make a difference for you. Thank you for your kind words and most importantly your confidence in my services. I look forward to working with you again in the future....
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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