Phil Gustin
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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Amazing communication with frequent updates. Crushed our closing timeframe and even closed significantly early. Got us the rate we were looking for. Smooth process throughout.
In over 50 years, I never had a more dedicated, professional and extremely prompt and helpful person as Phil in dealing with mortgages and financial matters. He is one of the best, if not the best in the business, seriously.
We just purchased a new home, and working with Phil was an extremely good experience. We had a complicated situation with difficult timing involving the sale of our other house. Phil worked with us all along and pretty much made himself available...
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Phil Gustin was very attentive and helpful. I got my closing done in very short timeframe and it was perfect.
Phil and Dennis were very diligent over a complex, three-month process of getting us a loan, and kept us informed every step of the way.
I had a wonderful experience working with Phil on my refi. He made it almost an effortless task. Phil is extremely professional and knowledgeable in the world of refinance. I would highly recommend him. You won't be disappointed.
Phil will get your loan done. He's a very nice guy and will work hard for you. He rolls with the punches and is a great advisor. We worked with Phil on a hard money loan and he was able to secure funding. We had lots of challenges but he was...
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Amazing experience. When shopping for my Loan the Emortgage capital team came through and gave the best offers compared to all the others we got. They were available to talk at all times, even after hours at night when we had a question. I...
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Phil is a miracle worker. He was able to get us the mortgage we needed in record time and at a most favorable rate. He is very knowledgeable in his industry and was very communicative thru-out the entire process. Available anytime, I would...
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Reply from Phil Gustin
June 30th, 2026 05:19 PM
Thanks Jeff! It was a pleasure working with you. 10 day closings are my expertise, and on top of it, I was glad to get you a much better rate and product than your prior lender that fell through. Glad you appreciated the service, and am looking...
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Phil is a miracle worker. He was able to get us the mortgage we needed in record time and at a most favorable rate. He is very knowledgeable in his industry and was very communicative thru-out the entire process. Available anytime, I would...
read more
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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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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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West Capital Lending, Inc.
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