Kyle Valenzuela
Branch Manager
I help homeowners unlock the power of their equity—fast. Whether you're consolidating debt, funding a major project, or simply restructuring for smarter cash flow, I specialize in fixed-rate HELOCs, cash-out refinances, and custom loan stra...... Show More
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Working with Kyle was truly a 5 star experience! From the very beginning he set himself apart with the exceptional communication skills, keeping me updated with every single step of the loan process. What I appreciate most was his transparency....
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We had a great experience working with Kyle ! He was very patient and attentive and always ready with an answer with all my questions. At the same time though the process was quick and efficient. Kyle really helped us through each step of the...
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Kyle was such a pleasure to work with, he noticed I was shopping for a mortgage loan and messaged me all weekend until I finally answered. So happy I did!!!He made the whole process easy to understand. I highly recommend Kyle Valenzuela especially...
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Great communication, quick response time, walked me through my questions.
Excellent
Excellent service and communication
My wife Kim and I have used Kyle Valenzuela two different times in the last 4 months. One was for a HELOC on our personal residence and one was a HELOC on an investment property.Kyle was fantastic to deal with on both loans. From beginning...
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Mr Kyle Valenzuela my loan officer of West Capital Lending help me approve my loan in a very smooth process. He always answered all questions, guided me in step by step until closing done fast and easy. Kyle was professional, responsive and...
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Kyle was very patient and answered all of our questions and concerns with the process. He patiently walked us through the process. His assistance was greatly appreciated
Great communication skill! Persistent in a professional way. Consistent and timely with scheduled appointments.
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About
I help homeowners unlock the power of their equity—fast. Whether you're consolidating debt, funding a major project, or simply restructuring for smarter cash flow, I specialize in fixed-rate HELOCs, cash-out refinances, and custom loan strategies designed around your goals.
In 2025, the mortgage market is more complex than ever—and I’m here to simplify it. I move with speed, precision, and full transparency. Most of my loans fund in 1–2 weeks, and I pride myself on making the process smooth, easy, and stress-free from start to finish.
Clients choose to work with me because I:
Offer clear, upfront guidance on rates, terms, and loan structures
Respond quickly and proactively to all questions
Provide tailored solutions across traditional and Non-QM lending
Deliver peace of mind through fast approvals and no-nonsense execution
If you’re sitting on home equity, chances are I can help you put it to work.
Let’s talk.
Products & Services
Mortgage Broker
FHA Home Loan
Jumbo Home Loan
Conventional Home Loan
Home Renovation Loan
Construction Loan
Home Equity Loan
Down Payment Assistance
Home Purchasing Assistance
Mortgage Loan Application Assistance
Mortgage Loan Shopping Assistance
Specialities
Mortgage Lending
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120
/850
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Positions
- West Capital Lending - Branch Manager Jan 30th, 2024 - Current
Year Started
2020
Time Zone
Pacific Standard Time (PST)
Licenses
- CALIFORNIA
- FLORIDA
- ARIZONA
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Disclaimer
West Capital Lending NMLS #1566096
Kyle James Valenzuela NMLS #2093402 | DRE #02238993
Licensed Address:
17911 Von Karman Ave, Suite 400, Irvine CA 92614
MLO Profile Website:
https://westcapitallending.com/team/kyle-valenzuela
NMLS Consumer Access:
https://www.nmlsconsumeraccess.org
Texas Complaint / Recovery Fund Notice:
https://westcapitallending.com/texas-complaint
License Information:
For complete state licensing information, please visit:
https://westcapitallending.com/licensing
Equal Housing Opportunity Statement:
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.