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
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
Joe and his team provided excellent white-glove customer service and a great understanding of the fees and procedures involved in the loan and rates.
Joe was very friendly and professional and was always available to answer questions. His performance was way beyond the call of duty
Absolutely, Joe had me by the hand the whole time. There was never a time I had a problem getting in touch with him. He was informative and knowledgeable in all aspects. Joe is definitely a reason to come back. It’s obvious that Joe loves his...
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Joe's professionalism and his understanding of our needs.
We had an issue and Joe Totah looked into the issue and helped us resolve it . Ladera Lending has been great .
Joe Torah was awesome
Joe Totah made me feel comfortable- I felt from the beginning he was being honest and straightforward- He gave me options was very informative but made no pressure. I was able decided on my own what I felt as best for me.
Joe was honest and sincere.
To whom it may concern, let me first say that I had a great experience working with Joe Totah to get the refinancing of my property completed. Additionally, let me further say that Joe is a truly an awesome professional and provided with valuable...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Louis, Thank you for sharing your positive experience working with Joe Totah to refinance your property. We are thrilled to hear that Joe provided you with valuable information and support, and that you found him to be an awesome professional....
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Joe was friendly and easy to work with.
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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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