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
First time speaking with Joe, I got a sense that he was really there to help me with my financial situation and listen to what I was looking to get. I got turned down by 5 other financial instiutions, even my own credit union, and started to...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Sam, I really appreciate your kind words and 5-star review. After being told NO so many times, it makes sense to be skeptical at first. I’m glad I could earn your trust by focusing on your feedback and walking you through your real qualifications...
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! o Joe was extremely helpful, if I have any future needs, I will definitely be reaching out. And if I have any family that needs assistance, I will definitely be giving them his number
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for the 5 stars Ian. It was a pleasure working on your loan and to see you accomplish your goals.
Joe was awesome and made the experience quick and easy. All while providing information on different options. Definitely recommending to anyone needing a loan.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thanks for the kind words and for your trust and business Manny.
Joe Totah was a super star!
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you for your 5-star review!
All went well. only had a few uploading issues
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you for your 5-star review!
Joe was fantastic in terms of how much he invested in time to discuss all aspects of our purchase. Terrific!
Reply from Joe Totah
June 30th, 2026 02:09 PM
Glenn, thank you for recognizing the effort I put into discussing the details of your purchase. I'm glad I was able to provide you with the support and understanding you needed during the process. If there's anything else I can assist you with...
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Joe simplified the process and made it very clear and painless. He has mastered his craft and was a pleasure to deal with...
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thanks so much, Norman! I’m really happy to hear the process felt easy and clear. It was great working with you and I appreciate you taking the time to share your experience.
You're representative, Joe Totah is the absolute main reason for the incredible wonderful experience. He brings his professionalism, and actually care and concern for the customer .
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much, Amy! Your message truly made my day. It means a lot to know that my efforts made a difference in your experience. I really enjoyed working with you and appreciate you taking the time to share this!
Joe is honest, forthright, helpful, and willing to go the extra mile. This is not an easy decision for anyone to get involved with, but Joe's style and easy manner far exceeds a pushy and difficult representative to deal with and Joe, for sure,...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much, Marlene, for your kind words and trust. I truly appreciate the opportunity to help and your confidence in me means a lot.
I was concerned about not financing through a local bank/ CU.But the lure of doing it online was so tempting. Joe was attentive, and experienced all the way through. West Capitol's online services- flawless. We are extremely impressed with...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Steven & Ann, thank you so much for your kind words. It was a true pleasure helping you, and I’m so grateful for your trust and recommendation!
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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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