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
Rapid turn around, minimal time requirement for loan application, and excellent customer service.
This was the easiest process I’ve ever had.
Joe was in constant contact with me throughout the process. He is very knowledgeable. He was quick to respond to any of my questions, including off hours and via text. I would definitely recommend leveraging Ladera lending and Joe Totah for...
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Joe is a great person to work with - he is very thorough, detailed and efficient. He handled every aspect of our refinance from start to finish, communicating with us throughout and taking the time to answer questions in a straightforward and...
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Excellent communication. I knew where the loan process stood all along the way. Quick closing. It was about 20 days from the time we decided to move forward with the loan to closing and had our cash back from the refinance in the bank. Low...
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Quick and easy. The best financing experience I have ever had.
I have worked with Joe on FOUR separate mortgages, and each time has been an easy, painless process. I have also recommended friends to Joe, and will continue to do so.
The overall experience was outstanding. Ladera’s digital solution was incredibly easy to use and Joe and his team we’re in constant communication. I have already recommended them to friends and family.
The loan process was clear and my questions were answered promptly.
Great experience. Very communicative. Thank you!!
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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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https://westcapitallending.com/texas-complaint
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