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
Joe is incredibly responsive and absolutely on top of everything. We actually did two loans with him - he had some really creative ideas to help us up our credit scores and get the best possible rate on a loan. I couldn’t recommend Joe more...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for your thoughtful review! It was a pleasure working with you on both loans, and I’m thrilled that the strategies we implemented made a meaningful difference. Helping clients improve their credit and secure the best possible...
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recently worked with Joe as my loan agent, and I couldn't be more impressed with his service. He was extremely knowledgeable, professional, and always available to answer my questions throughout the entire process. Joe made what could have...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Hi Anahita, I'm thrilled to hear that you had a positive experience with me at West Capital Lending. It was a pleasure assisting you with your equity options and making sure the process went smoothly for you. I appreciate your kind words and...
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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 Owner
December 2nd, 2024 12:00 AM
Thank you so much for your kind words and for taking the time to share your experience! It was truly a pleasure assisting you with your fixed HELOC. I’m glad we were able to secure a competitive rate and ensure a smooth, timely closing. Communication...
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Appreciate the fact Joe communicated exactly the steps and diligent about providing information. Also responded immediately via text/email and phone calls.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you so much for your kind words. I’m truly grateful for the opportunity to earn your business. If you ever need anything, please don’t hesitate to reach out—I’m always here to help.
Joe is great! Definitely 5 stars!!!
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thanks for your kind review Mari!
Joe, listened to what I needed, put together a package and moved quickly.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you for your feedback, David! My priority is always to ensure the loan process is seamless and aligned with your goals. Should you ever need assistance in the future or have any questions, please don't hesitate to reach out—I'm always...
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Joe was very supportive of my situation and understood the need for urgency.
Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you for your kind words, Erik! I'm glad I could support you during such an urgent time. It’s always my priority to understand and meet my clients' needs as quickly and efficiently as possible. If there’s anything else you need or any...
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Joe makes his clients feel like they are his top priority all the time! He was in constant communication with us, keeping us in the loop every step of the way and left no stone unturned. He made sure there were no surprises at settlement as...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you for the glowing review, Aimee! It's always a pleasure working with you and it's rewarding to know that my efforts to keep you informed and comfortable throughout the process have been appreciated. Your kind words mean the world to...
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I recently had the pleasure of working with Joe Totah for my loan needs, and I can confidently say that he is hands down the best lender I have ever encountered. From start to finish, Joe went above and beyond to ensure that I received the...
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Reply from Joe Totah
June 30th, 2026 02:09 PM
Thank you very much for your positive feedback! It's very rewarding to hear such kind words. I'm thrilled that I was able to provide you with a superior loan and an outstanding service. Your satisfaction is my top priority, and it's great to...
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Joe really understands his business and treats customers exceptionally well. He was referred to me. And, I am so glad he was. He remembered my needs and proactively reached out to me for my business. I will recommend him!
Reply from Joe Totah
June 30th, 2026 02:09 PM
It was great working with you. Thanks again for putting your trust in us.
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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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