Joe Totah
Vice President
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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Business Hours
Wed
8 AM to 5 PM
Thu
8 AM to 5 PM
Fri
8 AM to 5 PM
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Reviews from Web
He was very professional and helpful
Reply from Joe Totah
September 17th, 2026 09:46 PM
Thanks Clemencia and James. It was a pleasure helping you secure a great deal for you and your family.
I have known Joe Total for quite some time now and have processed 3 cases through him so far. He is very honest, straight forward and easy to work with He understood the technicality of each of my cases and assited me on how to complete the...
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Reply from Joe Totah
September 14th, 2026 07:48 PM
Kamran, I truly appreciate your kind words and the trust you have placed in me over the years. Thank you for your recommendation and continued support!
Joe continues to work hard for you no matter if its your frist loan with him or your third! He's very responsive, communicates well with you in providing status updates with your loan file and genuinely cares about your success. Thanks again...
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Reply from Joe Totah
August 17th, 2026 06:14 PM
Daniel, I'm grateful for your kind words and the recognition of my efforts. It's rewarding to know that my communication and dedication have positively impacted your experience. Thank you for trusting me and acknowledging my team as well.
Easy processing and fast.
Reply from Joe Totah
August 5th, 2026 05:37 PM
Thank you very much for the 5 star review Mark and Aurora. I am glad you found the process smooth and fast. Wishing you and your family all the best.
Joe was extremely helpful and patiently explained how the process worked, He also listened to my explaination when there appeared to be an issue with my application and quickly helped to resolve the problem.He made me feel confortable with...
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Reply from Joe Totah
July 31st, 2026 12:10 AM
Thank you for sharing your experience, Rosa. It's important to me that you felt comfortable with your decision to choose to work with me and West Capital Lending. If you have any more questions or need further assistance, please feel free to...
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Joe Totah made the process so easy. He's a great communicator, presented loan options and in 10 days money was in my account. He was a pleasure working with and I will definitely tell family and friends about my experience. Thanks Joe!
Reply from Joe Totah
June 30th, 2026 02:09 PM
I'm grateful for your appreciated feedback, Bob and Colleen! I'm pleased to hear that you found the process easy and that I could assist with clear communication and presenting loan options. It was great working with you, and I truly appreciate...
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Joe was courteous, professional, and overall awesome!
Reply from Joe Totah
June 30th, 2026 02:09 PM
I'm grateful for your kind words, Tammy. It's great to know you had a positive experience working with me. Thank you for taking the time to share your thoughts!
Joe is extremely knowledgeable and takes the time to investigate all available options. He routinely goes above-and-beyond and works extremely well with his clients. He openly communicates and always offers loan choices that can be tailored...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thanks Keith. I appreciate your kind words and am glad to hear that you had a positive experience with my approach at West Capital Lending. Thank you for recognizing my efforts!
Joe Totah and his team did an amazing job throughout the entire home loan process. From start to finish, they communicated clearly and consistently, which made everything feel much less stressful. They always took the time to answer all of...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for your kind words, April. I'm glad to hear that the communication and support you received throughout the home loan process met your expectations. It's important to me that my clients feel informed and comfortable every...
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Joe was down to earth explaining everyting in great detail. He followed up with any question in very timley matter. I give him a 125% rating.
Reply from Joe Totah
June 30th, 2026 02:09 PM
I appreciate your kind words, Lance. I'm glad to know that my efforts in providing detailed explanations and timely responses were helpful to you. Thank you for the exceptional rating!
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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
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Specialities
Purchase Money Mortgages
Refinance
HELOC
HELOAN
Conventional
FHA
VA
Non-Qm
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Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS 87727
- DRE 01780950
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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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2026
West Capital Lending, Inc.
All Rights Reserved. | NMLS# 1566096 DRE# 02022356 -
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