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Phil Gustin - Vice President in Irvine, CA

Phil Gustin

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Vice President

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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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  • 3rd Party Review
    L
    Larry L
    La Quinta, CA
    Posted on August 4th, 2020 12:00 AM
    Terrific experience. Phil and his crews kept on top of all details with a pleasant yet professional attitude. Great financing arranged on a timely basis so can't ask for anything more. Would recommend their firm to everyone looking for a great...
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  • 3rd Party Review
    S
    Susan R
    Garden Grove, CA
    Posted on July 31st, 2020 12:00 AM
    Very friendly and professional.
  • 3rd Party Review
    J
    Jean W
    Costa Mesa, CA
    Posted on July 28th, 2020 12:00 AM
    Phil is very easy to work with and provides a sense of urgency to ensure the loan process moves forward as needed. He is a great advocate for his clients and understands his business. We would do business again with Phil.
  • 3rd Party Review
    N
    Nathalie Y
    Kailua, HI
    Posted on July 27th, 2020 12:00 AM
    My husband and I greatly appreciated the fact that Phil Gustin was very knowledgeable and always kept us informed on the progress of our loan. He was always available to answer our questions very quickly and completely.
  • 3rd Party Review
    R
    Rebecca T
    West Linn, OR
    Posted on July 26th, 2020 12:00 AM
    Best customer service. Phil does not try to sell me on anything. He listens. He takes calls anytime. Have financed 3 mortgages in 2 different states in the past 4 years. Even though I trust him, I check rates with other lenders. He has the...
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  • 3rd Party Review
    E
    Earl Y
    Kailua, HI
    Posted on July 23rd, 2020 12:00 AM
    This is my first time in my 52 years of of financing and or refinancing my home purchases over the years where I was able to apply for refinancing on 06/10/20 and closing on 07/17/20. More important is that throughout the entire process, E...
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  • 3rd Party Review
    G
    Gracia M
    Oceanside, CA
    Posted on July 22nd, 2020 12:00 AM
    Phil and team were prompt in responding!
  • 3rd Party Review
    J
    Joe M
    Costa Mesa, CA
    Posted on July 17th, 2020 12:00 AM
    I was already working on a refi with Quicken Loans and they were able to get me a lower rate for less money. Closing was super fast and Elliot was super customer focused and responsive.
  • 3rd Party Review
    E
    Eric W
    Escondido, CA
    Posted on July 7th, 2020 12:00 AM
    The best refinance experience overall. Very efficient, helpful, and very pleasant to work with. I would recommend Phil 100%and already have. - Eric W.
  • 3rd Party Review
    J
    Jacqueline A
    West Linn, OR
    Posted on June 26th, 2020 12:00 AM
    Phil was timely, efficient, responsive and polite. He is a straight shooter, and he got us a great rate. His help through all the paper work, and explanations of anything we didn't understand were tremendously helpful. Thanks Phil!
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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
    Down Payment Assistance
    Conventional Home Loan
    Mortgage Refinance
    Construction Loan
    Bridge Loans
    Fixed Rate Mortgages
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    Pacific Standard Time (PST)
    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 - NMLS Consumer Access (https://nmlsconsumeraccess.org) https://westcapitallending.com/texas-complaint https://westcapitallending.com/licensing