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
Very good communication and a very smooth process all the way through. Thanks Joe!
Communication, understanding, commitment, and pleasant serving to people.
Hightly recommenced ....
Regards, Arnold S.
From the very first time talking and meeting Joe on the phone, He was Absolutely Amazing!!, at getting me so quickly ready for this Refinancing with all the needed information. I was also so very Impressed with Joe’s Wonderful Personality and...
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Joe was excellent!
This is my second time working with Joe and both times he far exceeded expectations. He reached out to help lower monthly payments and was able to lower my monthly payment substantially. He is always flexible in working with me to best suit...
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Joe was on top of everything and our refinance went through very quickly.
From start to finish (2.5 weeks!) Joe was responsive and helpful. Easiest refinance of my life. Highly recommend.
Quick service and was always available during the whole process. Great job.
Great professional, I always received soon precise answers and guidance during the whole process.
Joe stayed in touch and acted quickly which enabled us to capture a lower rate when rates were bouncing around. Loan processor Hali was also great to work with.
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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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