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 was super creative and very patient with different circumstances that came up.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you, Rob and Kristen, for your kind words! I'm so glad I could help and that my creativity and patience made a difference. It was a pleasure working with you. Don’t hesitate to reach out if you ever need any of my services again in the...
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Joe was professional and thorough. He was very helpful and knowledgeable. Fast and easy.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you, Brad, for your wonderful feedback! I'm glad to hear you found the process fast and easy and that my professionalism and knowledge were helpful. It was a pleasure working with you!
Great communication and follow up.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you, Doug, for your wonderful feedback! It was a pleasure working with you!
Joe is the best
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you, David, for your great review! It was a pleasure working with you!
Definitely joe was the best part. His approach to customer and service.
Reply from Joe Totah
June 30th, 2026 02:09 PM
You're the best, David. I'm glad to hear you found the process fast and easy and that my professionalism and knowledge were helpful. I am here for you and for your family and friends as well. Please reach out if you ever need my assistance...
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The first application had to be cancelled, and a new one created due to a name mismatch. The normal experience I have been lengthy period or denied the loan. Joe with Figure Lending made the correction quickly and almost completely painless...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much, Stephan, for your detailed and kind feedback! I’m glad we could resolve the issue quickly and smoothly for you. Building long-term relationships is truly what I strive for, and I’m excited to be your trusted partner for years...
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Great service, knowledgeable and quick to respond to all questions
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you, Chris, for your kind feedback! I'm thrilled you appreciated the service and responsiveness. It was a pleasure assisting you!
Joe was on top of every detail of our transaction, we felt 100% confident that we were in good hands.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you, Lisa, for your thoughtful feedback! I'm so glad I could provide you with confidence and peace of mind throughout the process. It was a pleasure working with you!
Working with Joe, we felt he had our best interests as his first priority. We appreciated his depth of knowledge and understanding of today’s lending environment to help us make a good decision for our financial future.
Took time to explain everything. Walked me through step by step.
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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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