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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8 AM to 5 PM
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8 AM to 5 PM
Thu
8 AM to 5 PM
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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!
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...
read more
Reply from Joe Totah
June 30th, 2026 02:09 PM
April, I'm grateful for your kind comments regarding the home loan process with me at West Capital Lending. It was important to ensure you felt informed and comfortable every step of the way. Knowing that my team's professionalism and responsiveness...
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Joe was great to work with! He is knowledgeable, helpful and professional! I highly recommend Joe!
Reply from Joe Totah
June 30th, 2026 02:09 PM
I’m pleased that you found my assistance valuable, Elmyra. It's important to me to provide knowledgeable and professional service throughout the process. Your recommendation means a lot to me. If you have any more questions or need further...
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Found -> Joe goal was to bring an in-depth, unbiased loan lending little easier, when reaching out, as I was trying to find a lender or service provided who understand my needs and who provide clear communication, guidance throughout the lending...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Kevin, thank you for sharing your experience. Your feedback about the process being smooth and efficient is greatly appreciated. I'm here to assist you with any future needs as you consider leveraging your other properties, and I'm always available...
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Joe is a loan animal! He's fast, efficient, creative and gets it done. No delays, No hassle!
Thanks again Joe!!!
Reply from Joe Totah
June 30th, 2026 02:09 PM
I appreciate your energetic feedback, Daniel! It's great to know that everything went efficiently well for you. If you have any questions or need further assistance in the future, feel free to reach out. Thank you!
Joe was knowledgeable, professiona, and patient. He promptly addressed my questions. I highly recommend him!
Reply from Joe Totah
June 30th, 2026 02:09 PM
I'm grateful for your recommendation, Elmyra. It's great to hear that you appreciated the support and patience throughout the process. If you have any future questions or need assistance, please feel free to reach out. Thank you once again...
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A huge thank you to Joe Totah! When looking to refinance after a seperation, I was faced with many challenges- it felt hopeless. Many doors were slammed in my face.Joe was the only broker who was willing to fight for me and give me hope through...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Gabriela, I truly appreciate your heartfelt words. I'm grateful to have had the opportunity to support you through the refinancing process, particularly during a challenging time. It means a lot that I could help secure your home and provide...
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It was a very easy and seamless process. The speed of execution from start of application to receiving funds was extraordinary fast. I was impressed with the whole process.
Reply from Joe Totah
June 30th, 2026 02:09 PM
I'm pleased to hear that you found the process smooth and efficient, Eugenio. It's always my goal to ensure that everything moves swiftly and meets your expectations. If you ever have any future needs or questions, feel free to reach out. Thank...
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The patience that was displayed when I was fretting over the Computer Was greatly appreciated. Working with a team that was looking forward to helping me succeed rather than looking for faults was a game changer .
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Reply from Joe Totah
June 30th, 2026 02:09 PM
I appreciate your kind words, Antoinette. It's important to me that you feel supported and understood throughout the process, and I'm glad to know that my approach made a positive impact on your experience. Should you need anything else or...
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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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