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
You guys work in a very efficiently way!
Joe and his team really made the process seamless for us. Any questions we had were addressed almost immediately and everything moved more quickly than I expected. We'd definitely work with them again.
Joe Totah is really a Serious, responsible, efficient, Honest, respectful and knowledgeable person that made him a great professional with excellent customer service. I highly recommended him
From start to finish the process was clear, friendly and efficient. Joe and every member of his team were fantastic to work with. We will 100 reach out to him again in the future.
This was a kind of long ordeal, waiting for pay off requests from all sorts. It was challenging for both parties but patiently pursued it. Cheers to our success. More power to your company.
The Ladera team was very communicative and did everything they could to reach out and keep me updated throughout the process. They were also patient throughout the process. Thank you for the great experience!
My experience working with Ladera Lending was very positive. Joe Totah, Kayla and Hali provided excellent service. They are honest, knowledgeable, efficient and very helpful throughout the whole process. They handled my refi in record time....
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Frequent communication and great rates
Process was handled quickly, professionally and I was well-informed by the team throughout the process.
Loved him and his staff, transaction was quick and signing process and upload of documents were flawless. Closing was super fast and no Problems at all. Highly recommend your company to anyone
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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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