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.
Location & Business Hours
Business Hours
Tues
8 AM to 5 PM
Wed
8 AM to 5 PM
Thu
8 AM to 5 PM
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Reviews from Web
Joe is very passionate about what he does. He went above and beyond to ensure my needs where met. He has excellent communication skills and it was a great pleasure working with him.Thank you so much Joe for helping customers the way you do....
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Hi Dr Kamdem, I'm beyond thrilled to hear your positive feedback! It's been a real pleasure assisting you with your loan and I'm glad you felt my passion for my work. Your words are truly humbling. I look forward to being able to serve you...
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I cannot recommend Joe's services enough. He was knowledgeable and available throughout every step of the process, always willing to communicate through e-mail, text, or phone calls. His efficiency and professionalism moved the entire process...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Hi Vincent, Thank you so much for your kind words and the fantastic 5-star rating! I'm glad to know you found my services helpful and appreciated the open lines of communication. It was indeed a pleasure to assist you with your loan. I'm always...
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Joe Totah was a true subject matter expert. He listened to our needs, was clear at beginning - during- after with what to expect with process/timing/etc. He knew the platforms…understood our questions and was proactive, professional, timely,...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
I am delighted to hear such positive feedback, Valerie. It was truly a pleasure working with you on your loan. Thank you for the recommendation and for taking the time to leave such a glowing review. I look forward to working with you again...
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End to end experience was pretty seamless
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you for your response. If there is anything we can do to improve our offering, please let us know.
Joe was highly informative, patient and professional. His expertise was extremely valuable and became a critical component in helping us with our decisions.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Helping great customers like you is why I'm in this business. Thank you so much for your business and great feedback.
Joe Totah was amazing to work with. He made the whole process easy and is very knowledgeable. He was on top of everything and made me feel comfortable through the whole process. I told him what I needed and he came up with different loan options...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for your kind words and recommendation! It was a pleasure working with you and helping you find the best loan option to meet your needs. Your trust means a lot to me, and I’m always here to assist with any future needs. Wishing...
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Joe was thorough explaining everything and providing all the information needed to make a discussion. He followed up with and assured me that everything was legit.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you for taking the time to share your experience! My goal is to make sure my clients feel fully informed and confident in their decisions, and it’s wonderful to know that I could achieve that with you. Please don’t hesitate to reach out...
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Joe was very helpful, fast and professional. He was great to work with and I’d highly recommend him.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for the wonderful feedback! I'm glad I could make the process quick and helpful for you. It was great working together, and I really appreciate your recommendation. If you ever need anything in the future, don’t hesitate to...
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Patience and ease
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for the wonderful feedback and I hope to be of service to you again in the future.
Joe was responsive and had to reassure me many many times over the short span of a week. Thank you for your support Joe :)
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much, Brandy! I'm glad I could be there for you and provide the reassurance you needed. It’s completely natural to have questions and need extra support, especially in a short timeframe. I’m here whenever you need, and I’m so grateful...
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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.
Copyright ©
2026
West Capital Lending, Inc.
All Rights Reserved. | NMLS# 1566096 DRE# 02022356 -
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https://westcapitallending.com/texas-complaint
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