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
Great communication! I really felt taken care of thru the whole process.
Our refinance had an issue at the end and Joe remained receptive to handling our account despite the process being past his role/department with us as a client. He also kept his promise in monitoring things for us as the loan developed.
Joe was there for me every step of the process. I was never afraid to call when I had a question regarding my loan status. He made my application as easy as possible . I am very happy that I refinanced with Ladera.
Excellent service and very quick closing.
Joe's communication was excellent. He responded to questions very quickly and explained everything very clearly. The entire process was quick and smooth without any complications. This was the easiest refinance we've ever been through.
Joe was always available when I had a question or needed information. He responded very quickly when I needed to leave a message. He was professional and friendly. He explained every clearly. I really enjoyed doing business with Joe. Thank...
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Joe was very responsive and answered all of my questions in a timely manner. He made me feel like his most important customer.
Joe is very thorough and always available for questions. He makes the process very pleasant and easy. Highly recommended!
good follow up and great communication
He is Friendly and helpful No pressure this is my third one with him I will come back again.
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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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