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 is knowledgable about what he does and the products and services that are offered. this makes the experience so seemless and easy. I love working with this man. I feel confident recommending Joe to friends, family, and colleagues. I know...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for your kind words, Brandy! It means the world to me that you had such a seamless and positive experience. I truly strive to make the process as smooth and stress-free as possible, and knowing that my efforts have made a...
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Joe was very courteous, honest and supportive. He assisted me by all means, never gave up and followed my case step by step. I trust him very much which for me is most important and will definately go back to him for any such case and highly...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for your kind words and thoughtful review! It was truly a pleasure working with you, and I’m so glad I could assist you every step of the way. Building trust is incredibly important to me, and I’m honored that you felt supported...
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Joe was very personable and made the process quick and easy.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you, Jennie! I’m so glad I could make the process quick and easy for you. It was a pleasure working with you.
Joe is well informed about the various loans types and was able to communicate the options in a way that was easy to understand in an effort to help me make the best decisions for my needs.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thanks so much for the kind words! I'm really glad I could help make sense of all the loan options and make the process smoother for you. It’s my mission to take the stress out of these decisions, so you can focus on what really matters. Taking...
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Joe was a pleasure to work with. He was able to text/chat through my specific needs and goals and quickly isolated an option that worked perfectly for me. I had been looking for a long time to find this sort of HELOC and it was the easiest...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for your kind words! It was a pleasure personally handling your loan from start to finish and ensuring we found the perfect HELOC to meet your needs. I’m thrilled that the process felt seamless and efficient—especially given...
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After hitting a generic site inquiring about HELOCs, Joe Totah at West Capital Lending was the only person who came back with actual useful information via e-mail. Everyone else was extremely pushy just trying to get me on the phone. I appreciated...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for taking the time to share your experience. It truly means a lot to me to hear that you found value in my approach and that the guidance I provided made a real difference for you. I understand how important it is to have...
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Joe was on top of my applications and ready to dive into all my questions at a moments notice. When it came down to managing a timeline, he made sure to keep me aware of dependencies so everything Was ready when it needed to be. Appreciate...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for your wonderful feedback! I’m thrilled to hear that you felt supported throughout the process and that my efforts to keep everything on track and transparent made a difference. It was a pleasure working with you, and I’m...
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Great servixe and communication
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you for the kind review, Eduardo! I'm thrilled that we achieved all your goals with this transaction, and I look forward to supporting you whenever you need my services again in the future.
Joe helped me close on a fixed HELOC. The rate he got was better than everyone else. He was even able to get Spring EQ to provide a lower rate than going with them directly. He was constantly in communication with me, making sure everything...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for your kind words! I’m glad we secured a great rate and kept everything on track for a smooth, on-time closing. It was a pleasure working with you, and I truly appreciate your recommendation. If you need anything in the...
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Working with Joe was great! He is extremely knowledgeable, fast, accurate, honest and friendly. He was able to find a suitable loan for my needs and get it closed in record time without stress. I highly recommend Joe for any lending needs!
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for your kind words! It was truly a pleasure working with you, and I’m thrilled we could find the right loan and close it quickly and smoothly. I’m grateful for the opportunity to assist with your lending needs. If you ever...
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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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