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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I worked with Phil Gustin at West Capital Lending on a very challenging loan, and I honestly cannot say enough good things about him or his team. My situation had multiple complications, and the process took about seven months, during which...
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Reply from Phil Gustin
June 30th, 2026 05:19 PM
Eric, that is one of the best reviews I've gotten. Yes your loan was VERY difficult, but problem solving is my specialty and we got it done. I am very grateful for clients like you that recognize what effort goes into truly HELPING clients...
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Phil was amazing!!! He went above and beyond to share knowledge about so many financial options and was honest about what he could help with and what he couldn't. He gave great advice on how to best handle credit scores and improve them! Phil...
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Reply from Phil Gustin
June 30th, 2026 05:19 PM
Hi Nick & Holly, it was great helping you and even though it didn't work initially when we first spoke, you listened and executed the plan. Credit repair / improvement is one of my specialties and helps differentiate myself from others and...
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Phil was very helpful and responsive throughout the application process
Reply from Phil Gustin
June 30th, 2026 05:19 PM
Hi Tam, thank you for the honest review. Unfortunately we had a lot of problems with the process and I just want to thank you for being as patient as you were and allowing me to continue to push through and explain to the underwriter the history...
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Phil is extremely knowledgable and helpful. He goes the extra step to really give you a great experience. He's looking for that longevity in relationship, by finding you the best options for whatever stage of life you are in. He is extremely...
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Reply from Phil Gustin
June 30th, 2026 05:19 PM
Thank you Sana! I really enjoyed helping you guys as we were working together for a long time, waiting for the ideal time to refi and consolidate your debt for a much lower payment. And most importantly you understand my goals and approach...
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Phil was very kind and always went the the extra mile , he did a great job helping us through the loan process .
Reply from Phil Gustin
June 30th, 2026 05:19 PM
You are most welcome Brett! It was a pleasure getting it done and making it as smooth as possible. Sorry the first lender couldn't get it done, but the stars aligned, you were referred to me and we got you your dream home with plenty of acreage...
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He really listened to me and found the right deal for me - greatly appreciated
Quick, clear and direct communication.
Phil is a complete professional. He cares about your plans and has great advice. I highly recommend him for your mortgage or refinance needs. We will definitely speak with him in the future. Kudos to Phil!
Great market knowledge and experienc, and continuous clear communication leaving you with a feelling of trust and integrity .. Great person to trust with your financial needs... Couldn't recommend him enough.. He will save you thousands over...
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Answered every question I had and he answered the phone almost everytime I called. Great Broker!!
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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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2026
West Capital Lending, Inc.
All Rights Reserved. | NMLS# 1566096 DRE# 02022356 -
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