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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Your dashboard should be kept more current. I saw transaction that had no reference or explanation.
Phil Gustin is great, knowledgable and responsive.
WCL made the process easier than other banks.
Appreciate it & recommend it!
Phil and his team have helped me with several transactions over the past two years. As someone who is self-employed, qualifying can sometimes be challenging, but they always have great solutions and know how to navigate it.They’re more knowledgeable...
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Reply from Phil Gustin
June 30th, 2026 05:19 PM
Thank you for the 5-Star review. If you need anything, feel free to give us a call.
Phil was always very available. Really appreciated that.
Phil was very responsive to emails, texts and phone calls in a timely manner.
I highly recommend this business.
Their customer service is second to none.
I was completely impressed with their professionalism and customer service.
Great experience as the team overcame a some challenges and closed the deal while working to get a better rate
Creativity, speed and communication.....all very positive!!!
Reply from Phil Gustin
June 30th, 2026 05:19 PM
Thank you Terry! Glad we were able to get creative and accomplish your goal of buying the new amazing house in our amazing community. Looking forward to good times ahead!
Customer service was spot on and quick to get the ball rolling to complete our refinance.
Reply from Phil Gustin
June 30th, 2026 05:19 PM
Thank you again Tim! Glad we got you out of that nightmare servicer. Hopefully you will be able to live comfortably at the new lower loan amount and enjoy your brand new home!!!!!!! Remember I will always be here in the future for you and your...
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Once again Phil has helped us secure a loan! The process couldn't have been smoother. Phil and team are top notch!
Reply from Phil Gustin
June 30th, 2026 05:19 PM
I enjoyed working with you. Thanks for the great feedback.
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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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Time Zone
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.
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2026
West Capital Lending, Inc.
All Rights Reserved. | NMLS# 1566096 DRE# 02022356 -
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