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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8 AM to 5 PM
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8 AM to 5 PM
Thu
8 AM to 5 PM
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Reviews from Web
Joe was efficient, upfront, responsive, and made this process one of the quickest and easiest loan processes i've gone through. Thanks for your constant updates via email and text. Joe is the guy you want to do business with! Also, he doesnt...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for the kind words, Daniel! I’m glad I could make the process smooth and stress-free for you. I’ll always be here for you and for your friends and family should they ever need my services. It was truly a pleasure working with...
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Joe Totah is a master loan officer. He truly understands the needs of his clients and provides all possible loan options available for the best interest of his clients. Joe is an incredible communicator, never leaving us with anything to question....
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Reply from Joe Totah
June 30th, 2026 02:09 PM
I truly appreciate your thoughtful feedback. Your kind words mean the world to me. It’s an honor to have earned your trust and loyalty, and I’m grateful for the opportunity to guide you through the process from start to finish without any issues...
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Having worked with Joe in the past, we sought him out again for our funding needs. Once again, Joe made the process simple and everything progressed quickly. Two for two!
Reply from Joe Totah
June 30th, 2026 02:09 PM
Kevin, thank you so much for reaching out and trusting me again with your financing needs. I’m grateful for your loyalty and so glad I could make the process super smooth and straightforward for you and your family.
Joe not only helped me with my needs that I asked for, he recently anticipated what I was looking for and let you know about a new loan program even before I ask for it. that's service!
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for your kind review Sam. I really appreciate your trust and business.
Joe was very knowledgeable in his loan information i have been asking him question for a year finally decided to do it he was patient and professional he the reason I took the loan out
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you very much for your kind words Carlos. I really appreciate it.
I normally don't leave reviews, but I worked with Joe Totah and he is impressive at what he does...Working with Joe was one of the best financing experiences I have ever had...Everything was well explained from starting the process through...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for your thoughtful words and recommendation! It means a lot to know you felt cared for and supported throughout the process. I’m always here whenever you or your family need guidance. Blessings to you and your family.
I normally don't leave reviews, but I worked with Joe Totah and he is impressive at what he does...Working with Joe was one of the best financing experiences I have ever had...Everything was well explained from starting the process through...
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Joe made it great. His knowledge in this space is unmatched and his heart is serviceable. These combine to make him a servant leader in helping his clients across the finish line. He listens to understand needs and works around the clock to...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for the kind words! I’m truly grateful for the opportunity to serve and to be trusted with something as important as your financial journey. Hearing feedback like this motivates me to keep raising the bar and delivering the...
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Joe was the only contact that reached out via email of options. No one else even took the effort to propose options like he did. He wanted to understand what we were trying to do to give us the best loan options that made sense for us. He spent...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for your kind words. It really means a lot to know you felt supported and heard throughout the process. I just try to treat people the way I’d want to be treated, and I’m so glad that came through. I’m always here if you ever...
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It was stressful, being able to go over the numbers on paper would have been nice. I requested paper documents a few times but want provided any and that was very disheartening but I guess it all worked out in the end
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you for your feedback, Michael. To clarify the timeline, the probate process was completed on 06/17, and the loan funded on 06/30, a span of 13 days. While I understand this was your first transaction and you may have expected a different...
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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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West Capital Lending, Inc.
All Rights Reserved. | NMLS# 1566096 DRE# 02022356 -
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