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
Joe is a very informative adviser He response quickly day or night. If and when I need more financing I will be calling Joe
best pricing and quick closing.
Within the 11 days available before we were to leave the U.S. , we had the lowest expectation that any loan could be initiated and completed. Joe and his team jumped through hoops to make it happen on time. We are amazed at what they accomplished....
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The experience with Joe Totah and Ladera lending was truly one of trust honesty and integrity. Joe was forthcoming and extremely knowledgeable. He made all the difference to us. We initially were going to go with another lender, but in speaking...
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Joe went above and beyond what he was expected to do. and stayed with me all the way through funding.
Very professional and likeable person.
Joe was very knowledgeable throughout out the process and treated me as priority number one. Made my experience so much easier knowing Joe was on it !
Joe was clear and responsive and worked diligently to meet our needs. He communicated every step oft he way. Very quick turn around. Wonderful!
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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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