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
The team at Ladera with Joe leading the charge made this happen as quick and efficiently as possible.
Joe was excellent! It was the easiest refinance i have ever done. Joe kept in contact with me throughout the process. He is very knowledgeable and was able to structure a great loan, saving me money.
Joe took a lot of time to make sure that everything was done right and that we were happy with the loan, the process, etc. He was always responsive to phone calls, text messages and emails.
No issues and smooth process.
Clear communication and Joe was always available
The entire process was so easy!
Joe does a great job of leading us through the process.
Joe is an incredible communicator and answered all of my questions every step of the way. Very professional, kind and skilled at his job!
Ease and speed in/of completing the loan packet digitally
Joe consistently responded to my calls, emails, and texts almost immediately. He was also able to straighten out a few wrinkles quickly, and one issue that came up and he resolved on a Saturday.
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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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