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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Phil gave me options and results that I didn't think I could get.
Reply from Phil Gustin
June 30th, 2026 05:19 PM
Thank you for hanging in there with us Scott. It's great to be able to provide creative solutions that can still save you $3000/m in cash flow, get your credit significantly higher and be ready to refi it all together in a few months when rates...
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Phil has always been fantastic with answering any questions we had regarding our loan process!
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’s engagement, accessibility, ability to clarify and define terms and rates
Reply from Phil Gustin
June 30th, 2026 05:19 PM
I enjoyed working with you. Thanks for the great feedback.
Phil was very helpful till the closing of my loan.
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.
There were a lot of surprises dealing with the reverse mortgage. It took us 5 months to complete.
Amazing team to work with
Great communication and always willing to help.
Dealing with Phil and Michelle, competent people, makes all the difference.
We had quite the time wading through many offers and aggressive sales pitches. Phil was very professional and objective with us all along, which is one of the reasons why we chose to work with him and the company he represented. We LOVE the...
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Phil is attentive and talks through every mortgage option, so you can make an informed decision. No pressure, just good advice. He has completed three transactions for us and we referred our daughter to him to as well. She is a now a happy...
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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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