Your mortgage, handled properly.
Buying, refinancing, or pulling equity out of a home you already own — let's find the structure that actually fits.
Cole Moser · Vice President · NMLS# 1719967 · DRE 02245349
- Licensed states + D.C.
- 21
- Loan programs
- 50+
- Wholesale lenders
- 190+
- Direct line
- (949) 892-1454
Who you’re working with
Cole Moser, Vice President
A broker rather than a bank — which means conventional, FHA, VA, Non-QM, HELOC and reverse all sit on the same desk. With 190+ lenders to shop, the job is finding the loan that fits your situation, not the one that is easiest to close.
Understand the goal first
Lowering a payment and getting out of debt faster are opposite loans. Naming the objective before shopping anything prevents an expensive mismatch.
Shop the file, not the shelf
The same application goes to multiple lenders. Pricing and guidelines differ enough between them that the right placement often beats a rate negotiation.
Say when it does not make sense
If the numbers do not work, you should hear that before you apply. A deal that costs you money is not one worth closing.
Loan programs
From conventional to creative.
New to this? Start with the frequently asked questions or browse the mortgage glossary.
Conventional
Competitive pricing, jumbo, HomeReady, Home Possible, down payment assistance, and renovation options. Down payments as low as 3%.
Learn moreFHA
3.5% down, lower credit score thresholds, down payment assistance, $100 Down, and Good Neighbor Next Door.
Learn moreVA
Zero down, no monthly mortgage insurance, flexible credit, and the VA IRRRL streamline refinance for veterans.
Learn moreNon-QM / Investor Loans
DSCR, bank statement, 1099, hard money, bridge, foreign national, ITIN, commercial, and mixed-use. If you were told no elsewhere, start here.
Learn moreHELOC / HELOAN
Home equity lines, fixed home equity loans, and second and third lien options — without disturbing your first mortgage.
Learn moreReverse Mortgage
Convert home equity into income without a monthly mortgage payment. Designed for homeowners 62 and older.
Learn moreRefinance
Lower your payment, shorten your term, or take cash out. Shopped across a wide lender panel to find the right structure.
Learn moreDebt Consolidation
Roll high-interest revolving balances into one simpler payment using your home's equity.
Learn moreFirst-Time Homebuyer
Low and no down payment programs, down payment assistance, and a guide through every step of your first purchase.
Learn moreRates and program availability may vary based on the state or region in which the financed property is located. This is not a credit decision, an offer, or a commitment to lend. Program restrictions apply.
Declined elsewhere
Been told no? There is usually another door.
A decline from one lender is a decline from one lender’s guidelines — not a verdict on the deal. These are the scenarios that most often get placed somewhere else.
Featured product
5-Day Digital HELOC
Access your home equity in as few as 5 business days. A 100% online process, no appraisal in most cases, up to $750K — and you keep the low rate on your existing first mortgage.
- Fund in as few as 5 days
- No appraisal in most cases
- Up to $750K
- No out-of-pocket costs
Subject to credit approval and program eligibility. Funding timelines, credit limits, and appraisal requirements vary by lender and property. Closing costs may be financed or netted from proceeds rather than waived.
The whole point
A mortgage is the largest thing most people ever finance. It deserves more than a rate quote.
Structure, timing, and which lender sees the file all move the number more than an eighth of a point ever will. That is the part worth getting right.
Reviews
What clients say
Average rating
“Working with my Cole Moser was an outstanding experience from start to finish. He was knowledgeable, responsive, and kept the process moving quickly while making sure I understood every step. As a combat veteran, I especially appreciated the care, respect, and attention he gave to my unique needs throughout the process. His professionalism and commitment to excellent service made all the difference. I highly recommend him to anyone looking for a smooth and stress-free mortgage experience.”
Tony B
July 2026
“I was very nervous about going into this, and COLE made it very easy and was very comforting throughout- I am in my 70s and was having difficulty with the computer/iPad and he was very very helpful. I appreciated him completely.”
Charles C
Costa Mesa, CA · August 2026
“It was smooth to apply and the knowledge of Cole Moser was instramental in our decision to choose West Capital Lending. He is extremely professional and friendly.”
David M
Alta, CA · August 2026
Start with a conversation.
Not ready to apply? Walk me through the scenario and I’ll tell you what is realistic — what you qualify for, what it would take, and whether now is the moment.
Reach out
Get in touch.
Call, email, or start the application — whichever is easiest. A short conversation usually saves a long one later.
Office
West Capital Lending, Inc.
17911 Von Karman Ave, Suite 400, Irvine, CA 92614
Cole Moser — NMLS# 1719967 · DRE 02245349
Serving Arizona, California, Connecticut, Delaware, District of Columbia, Florida, Idaho, Kansas, Maine, Minnesota, Nebraska, New Hampshire, New Mexico, North Dakota, Oklahoma, Oregon, Tennessee, Utah, Virginia, Washington, Wisconsin, Wyoming.
Ready to start?
The application takes a few minutes and gives us something concrete to work from. Nothing is committed by starting it.
Please do not send Social Security numbers, account numbers, or other sensitive personal information by email. Use the secure application instead.