Heath Ramsey
Branch Manager
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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I am pleased to say that our home buying experience was very smooth & that is all thanks to Heath! He made sure to handle every step with nastiness & took all the headache out of the process, which was so nice. We without a doubt 100% recommend...
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Reply from Heath Ramsey
June 30th, 2026 03:37 PM
Helping great customers like you is why I'm in this business. Thank you so much for your business and great feedback.
Heath was amazing to work with throughout my loan process. After speaking with other lenders and being told my loan couldn’t be done, Heath made it happen. Honestly, when he first explained the terms, I almost didn’t believe they were real...
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Reply from Heath Ramsey
June 30th, 2026 03:37 PM
I really appreciate the feedback and am looking forward to working with you again.
As first time home buyers, we were a little intimidated by the whole mortgage process, but working with Heath completely changed that. He took the time to walk us through every single step, making sure we actually understood our options rather...
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Reply from Heath Ramsey
June 30th, 2026 03:37 PM
Thanks for trusting me through the process, and welcome back home! Hope the move goes smoothly, and we will be talking n 6 months to get you into that IRRRL.
Heath was great he was very helpful in explaining everything it was all very easy.
highly recommended
Reply from Heath Ramsey
June 30th, 2026 03:37 PM
Chris, thank you for your kind words and recommendation. Good luck with the renovations and we will be talking again here soon. Enjoy the summer!
Heath was Great to work with made the whole process very simple .. I wasn’t sure on being able to refinance at all he helped us with a VA refinance and had a lot of information on VA loans ..
Reply from Owner
January 7th, 2025 12:00 AM
Thank you, Linda! We’re thrilled Heath made your VA refinance so simple. Helping veterans is an honor, and we’re grateful you chose us. Enjoy the benefits of your new loan, and thank you for your service! 🇺🇸
Heath provided so much information and helped me with my decision to refinance he also went above and beyond in getting the process completed. I am very thankful for all that he did.
Reply from Owner
December 26th, 2024 12:00 AM
Thank you for sharing your experience, Brenna! We’re so happy to hear that Heath provided you with the knowledge and support needed to make your refinance decision. Going above and beyond is what we strive for, and we’re glad Heath was able...
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Heath did an excellent job helping with us with our first refinance. He has great insights on the market, and we were able to lock on to a low rate because of him. We did the whole refinance process remotely, and it was easy and painless to...
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Reply from Owner
October 16th, 2020 12:00 AM
Thank you Michael, take care of that little son of yours! Many blessings to you and the family.
Heath walked my wife and I through a very smooth and easy mortgage refinance. He was very transparent and extremely easy to work with throughout the entire process. There were no surprises or unexpected charges. Our interest rate is now much...
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Oh my goodness..this was such a smooth and efficient process. Heath was very patient with me I had alot of questions. He didnt care how many times I asked.him to 'recap' smile. He wanted to make sure I understood what he was saying and that...
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I have many words. Possibly not enough to suffice what this man is. He will get you what you need/want hands down. Doesn't matter the day nor the time. He'll pull a Harriot Tubman if needed. He'll swim across the Atlantic for you. He cares...
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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 Loan Officer
VA Home Loan
Mortgage Refinance
Non-QM
DSCR Loans
Home Equity Loan
Profit & Loss Only Mortgage
Bank Statement Loans
1099 Income Loans
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Pacific Standard Time (PST)
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.
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West Capital Lending, Inc.
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