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.
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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
Personal service by Joe. Shepherding me through the different processes. Reassuring and very professional. Thank you.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Bill, thank you for the thoughtful review. I appreciate the opportunity to help you through the process and am glad I could provide you professional support throughout.
This has been my second experience with Joe Totah. Same as the first case this also was a great and successful case . He has been very accomodating and always on top of my application and clearly explained every aspect and progress of the loan...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Kamran, I genuinely appreciate you taking the time to share this. Working with you again was a pleasure, and I’m honored you trusted me for a second time. My goal is always to make the process smooth, transparent, and well-communicated from...
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He made the whole process a breeze.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you for your feedback Ajay.
Joe is highly professional , knowledgeable and personable . His biggest attribute in my opinion is his availability . He always calls when he says he will and he even made himself available to us after hours walking us through a loan process....
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Reply from Joe Totah
June 30th, 2026 02:09 PM
I really appreciate you taking the time to share your review Patricia. Helping you through the loan process and being available when you needed clarity was very important to me. Thank you for trusting me with such an important decision, and...
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staff are patient in guiding me through the whole process.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you for completing our performance survey. Your feedback makes a difference and is greatly appreciated.
I loved working with Joe, he is extremely knowledgeable! He listened to all my needs and made the process smooth and free of problems. I learned quite a bit during the process. You will not regret choosing Joe -Thank you so much! Christine
Reply from Joe Totah
June 30th, 2026 02:09 PM
Christine, thank you so much for your thoughtful review. I truly appreciate the opportunity to work with you and am glad I could help make the process easy and educational. It means a lot to hear that you felt heard and supported throughout....
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Easy to work with and no pressure. Answered all my questions and was concerned about what I was trying to accomplish.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Edward, thank you for the kind feedback. I truly appreciate your trust and am glad I could answer your questions and support your goals throughout the process. It was a pleasure working with you, and I am always here if you need anything in...
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The best ever experience I ever had..both Joe Totah and Clare Lenza unbelievable professionals that stayed with me until the end..Positive attitude kept me on a good path and kept me updated all the time, always returned calls..awesome people...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Paul, thank you so much for the kind words. Clare and I truly appreciate your trust and are grateful for the opportunity to work with you. We are glad you felt supported throughout the process and are always here if you need anything in the...
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Joe made everything simple to complete. He was very attentive and helpful along the way.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for the kind words, Korth. I truly appreciate your trust and the opportunity to work with you. It would be my honor to assist you, your friends, or your family again in the future. Please keep me in mind, and feel free to...
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Joe T. was extremely hekpfuk, compassiomate,kind and honest, He is akso a very positive person,. Gives hope even to the hopeless heheh. .. at keast to me! I trusted him.. even without meeting him personally. It was just the way he talked and...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you for a great review Ata. I am so glad that I earned your trust and business. I will always be here for you or your friends or family members for any mortgage related questions and options.
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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.
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2026
West Capital Lending, Inc.
All Rights Reserved. | NMLS# 1566096 DRE# 02022356 -
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