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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Excellent communication and a willingness to explore every possible option
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you, Keith! We truly appreciate your kind words. It was a pleasure assisting you!
Joe is kind and knowledgeable. He made the process easier than I imagined it could be. I am planning on asking Joe fist for any loan products in the future.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you, Kevin and Amy! I truly appreciate your kind words. It was a pleasure helping you, and I look forward to assisting you again in the future!
Joe was awesome throughout the process. He is very knowledgeable and patient. my wife and I never get pressured or rushed at any point. Joe communicated with us every step of the way. He was always available and willing to answer any questions...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you, John Paul! I truly appreciate your kind words. It was a pleasure working with you and your wife, and I’m glad I could make the process smooth and stress-free. Wishing you both all the best, and I’m always here if you ever need anything...
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Joe was very helpful, responsive, and not at all pushy.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you, Paul! I appreciate your kind words. It was a pleasure assisting you!
Joe is the ultimate professional. It is always great to work with him.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you, Gillian! I truly appreciate your support. Always a pleasure working with you!
Joe is amazing! Working with him was like working with someone you've known for along time. He is very knowledgeable and explained everything very thoroughly. We appreciate the time Joe spent walking us through the application process. The...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for your kind words John and Kim! It was truly a pleasure working with you, and I’m thrilled to hear that you had such a smooth and positive experience. I always strive to make the process as seamless and transparent as possible,...
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The process was smooth and very intuitive
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thanks, Nelson! Glad to hear it was a smooth and seamless experience for you
Joe was so helpfu, and the process was very easy. Also great that the funding was so fast
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for your kind words! I truly appreciate your support. Please keep me in mind for any of your future needs, and if you know anyone who could benefit from working with an experienced loan officer, I’d be grateful for your referrals....
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Joe mad everything very easy and quick.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thanks Frank. I really appreciate your trust and business.
Joe Totah understands that people have needs. He understands how to quickly, proficiently and with anticipation know how to help his customer. He doesn't push an agenda, he focuses on what the customer needs. He also knows the tools and lending...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for your kind words! I truly appreciate you taking the time to share your experience. My goal has always been to prioritize my clients' needs and provide tailored solutions that empower them to make confident financial decisions....
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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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