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
2nd transaction with Joe ...treats you like family.
Made it easy and quick. Thank you!!
Joe did a great job of guiding us through the entire process. I would highly recommend Joe and his team.
Great service, fast close!
Joe was amazing, communicated instantly through every step of the loan process, answered every question we had throughout the way he was the nest loan officer we have worked with. We tried four or five companies before ladera lending and were...
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Great service. It was easy and much faster than I thought. Staff were very helpful and pleasant to deal with. This is my second time with Ladera lending and I am always happy with the results. Thank you
Joe was pleasant and professional throughout the whole process. I had spent a lot of time educating myself on the refinance process, but he most definitely filled in the gaps where I needed additional knowledge of the process. He was very responsive...
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Was the best experience I have ever had with a lender. Easy process, helpful team- Joe is amazing!!! First call to closing was 2 weeks... wow!!!!
Joe kept us updated throughout the process and everything went smoothly
Joe was incredibly helpful and patient throughout the entire process. Joe and his team were very prompt in responding to my questions - and I was impressed with how quick and (relatively) painless the whole process was.
Joe Totah and Sara Mitchell did a great job of answering my questions, putting me at ease and keeping me up to date. Even as Joe got sick, he still kept responding. Having gone through what he just did, that says alot about his work ethic....
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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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