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
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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 went above and beyond to help us and won't be using anyone but Joe going forward. Thank you for being there every step of the way Joe.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Mike and Cynthia, thank you for your thoughtful words. It was a privilege to assist you, and I’m truly grateful for your trust and confidence. I’m always here should you need anything in the future.
Joe was great to work with! He made the process so simple and smooth that I would refer anyone to these guys! He was very responsive to any questions I had and was very helpful throughout the entire process. These guys are awesome to work with!...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for the kind words! It was a pleasure working with you too, and I truly appreciate your trust and referrals. It means the world!
Joe always goes above and beyond for us. He is a huge asset to any company he works with as he is detail oriented, very personable and finds the best deal possible. I have worked with him in the past and will continue to work with him in the...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for your kind words! It truly means a lot to know that my efforts have made a positive impact. I’m grateful for the opportunity to work with you and truly value your trust and continued support. I look forward to assisting...
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Joe Totah
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thanks for the 5 stars Guy. I really appreciate your trust and business.
I was very pleased with the clear and transparent communication by Joe Totah. He kept us informed through each of the steps and sometimes just checking in with us to make sure we were at ease with this process. I would definately recommend...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much, Patty! I truly appreciate your kind words. It was a pleasure working with you, and I’m always here if you need anything in the future!
Everything was fast, efficient, and Joe explained the process very well.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thanks so much, Jason! I’m glad I could make the process smooth and clear for you. Don’t hesitate to reach out if I can help again!
Joe Totah is truly a professional, he refinanced our home. This was the 1st time that I have not used a small town bank. I must admit, I was a little skeptical at first. I worked with Joe and only Joe from the beginning until closing. He was...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for the kind words, John, it truly means a lot. I’m glad I could help make the whole process smooth and easy for you, especially with it being your first time working outside a local bank. I really appreciate your trust and...
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Joe was very accessible, responsive, and answered all of our questions.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thanks so much, Scott! I’m glad I could be helpful. Don’t hesitate to reach out if there’s ever anything else I can help with!
Joe Totah got us out of a bad situation and we are great full. He walked us through step by step instructions of what we needed to do and what to expect .
He's very easy going. And overall
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you for your kind words! I'm so glad I could help guide you through the process and turn things around for you. It was a pleasure working with you, and I truly appreciate your trust. If you ever need anything in the future, don't hesitate...
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Joe is and always has been amazing. very informative and will break down every loan option and go over the differences so anyone can understand.
Reply from Joe Totah
June 30th, 2026 02:09 PM
I really appreciate your kind words! It’s always my goal to make the loan process as clear and straightforward as possible. I'm grateful for your trust and always happy to help. If you ever need anything in the future, don’t hesitate to reach...
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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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