Ray Willard
Loan Officer
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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Took the time to be patient with me while I was stressing about the process.
Ray was very friendly and very effective with helping me understand my options. Easy to work with and knowledgeable.
Reply from Ray Willard
September 21st, 2026 02:52 PM
I enjoyed working with you. Thanks for the great feedback.
right on point, proffesional.
Ray reached out to me via text and asked me some questions about what I was looking for. He came back to me with some options. What I loved the most is that he communicated with me the entire time through text. He never called me and if something...
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I want to express my appreciation for Ray, who was a great agent throughout my loan process. He assisted me every step of the way and, most importantly, stayed in constant contact with me.Thank you for providing such excellent service.Best...
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Very simple and fast process. very informative
Ray is well spoken and very knowledgeable and has a way of putting you at ease with this online process.
It took less time than I thought to get approved and receive loan.
Ray was wonderful to work with. He let me know step by step what was needed and when . He was caring and confident which helped me ! I would strongly recommend Ray to anyone looking refinance or buy.
Ray was wonderful. He helped me during every step of the process. Even when I got discouraged, Ray offered advice and compassion!! I feel very fortunate to have worked with Ray! I recommend him highly!!
Reply from Ray Willard
June 30th, 2026 05:25 PM
Thank you for the 5-Star review. If you need anything, feel free to give us a call.
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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
Mortgage Refinance
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Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 1974311
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 -
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