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 and his team were very helpful in getting us the right type of loan and rate for our situation. Would recommend to anyone for personnel and investment properties.
Reply from David Fernandes
June 29th, 2026 07:11 PM
I greatly appreciate your kind words, Jeffery. It was indeed a pleasure to assist you with your cash out refinance. Your positive feedback serves as a great motivation for me and my team at West Capital Lending. We strive to provide the best...
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Very helpful ensuring that the whole process is done correctly and no stone unturned. Made sure that I was abreast of all developments and decisions made on my behalf was clear to my understanding.
Reply from David Fernandes
June 29th, 2026 07:11 PM
Thank you for your kind words, Sachiko. I'm thrilled to hear that you found the cash out refinance process seamless and transparent with West Capital Lending. It was my pleasure to guide you through every step and make sure everything was clear...
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David was so helpful during the process and even though we encountered some issues in the way, he always kept us hopeful and positive.
He always took the extra time to explain anything that wasn’t clear to us.
Reply from David Fernandes
June 29th, 2026 07:11 PM
Thank you both for hanging in there and glad we were able to push this through the finish line. I will continue to check in on you moving forward.
Very helpful with doing all the online bull sh**
Reply from David Fernandes
June 29th, 2026 07:11 PM
To think tech isn't even my expertise! Happy to help!
Easy. quick. David was always available and eager to assist. He was professional but friendly, knowledgeable and up front with information. The whole process was seamless.
Reply from David Fernandes
June 29th, 2026 07:11 PM
Looking forward to being here for you both moving forward. Glad the process was seamless.
David was so great walking us through our transaction. He was always personable and filled with knowledge. David was just a phone call away for any of our questions. I will most definitely refer or use David for our future needs. Thanks David!!!!...
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Reply from David Fernandes
June 29th, 2026 07:11 PM
Happy to connect and be of service, Smokie! Looking forward to working with you again soon.
David Fernandes …… nuff said! He’s exceptional.
Reply from David Fernandes
June 29th, 2026 07:11 PM
Thank you, Dennis! I appreciate your patience and help along the way. Hopefully this eliminates a little of the stress and you can finally relax a bit.
Honest and sincere.
Very attentive and transparent with the options and their pros and cons.
Reply from David Fernandes
June 29th, 2026 07:11 PM
Congrats on the amazing home Henrry! Cheers and enjoy.
David was professional, informative, prompt, on top of every detail, excellent communicator, personable and patient. Excellent service.
Reply from David Fernandes
June 29th, 2026 07:11 PM
Thank you for trusting me with your purchase. Now you can finally relax and enjoy :)
My wife and I had used a Reverse Mortgage on a previuos property we owned and we very satisfied with the results. We believed the Reverse Mortgage was the right fininacial decision for us and wanted to use it again for our new home purchase...
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Reply from David Fernandes
June 29th, 2026 07:11 PM
Best wishes to you and Rita on your retirement purchase. Well-deserved and enjoy life on the island... with an endless supply of Mai Tai's on the sand. Cheers!
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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