Your Mortgage. Your Options.
Let's findyour lowest available rate.
Whether you're buying a home, refinancing, or accessing your home's equity, I'll help you compare competitive mortgage options and find the right solution for your goals.
Takes about 2 minutes • No obligation
4.8
from 4602 Google reviews
Explore Your Loan OptionsQuick, easy & no obligation
“My experience with West Capitol Landing Was 10 out of 10 Jacob was the one helping me, and you can tell how professional he is and experience I 100…”
Juan Rodriguez on GoogleWhere do you want to start?
Pick the one that fits. Every option takes about two minutes, and Charles follows up personally.
- Get pre-approved todaySee your buying power before you fall for a house.
- Check my refinance rateFind out if a lower payment is on the table.
- How much cash can I get?Tap your equity and keep your first-mortgage rate.
- What's my home worth?An estimate from real property data.
- Run the numbers7 calculators for payments, affordability and more.
4.8 stars from 4602 reviews
Buy a home
Refinance
Home equity
VA and FHA
Self-employed options
NMLS #1795409
Different Goals. Different Loans. One Place to Start.
Buying, refinancing, or tapping into your home's equity? Tell me what you're looking to accomplish, and I'll help you explore your options.
Where you are
Conventional + FHA loansBuy or refinance with flexible options
Buying your first home? FHA loans and down payment assistance programs are built for exactly this.
See my first-home optionsHELOC & Home EquityAccess equity. Keep your first mortgage
Need cash? A HELOC taps your equity and leaves your first mortgage and its rate alone.
See how much cash I can getBank statement loanSelf-employed? Your deposits may qualify
Self-employed? A bank statement loan can qualify you on your deposits instead of your tax returns.
See my self-employed optionsVA loansExclusive benefits for eligible military borrowers
Thank you for serving. VA loans were created for veterans and service members, with benefits other loans do not have.
See my VA optionsFlexible Credit ProgramsOptions beyond a perfect score
Credit took a hit? There are programs for borrowers after bankruptcy, with thin credit, or with an ITIN.
See my fresh-start optionsDSCR loanQualify on the rent
Buying a rental? A DSCR loan can qualify on the property's rent rather than your personal income.
See my investor options
Charles Calihan
NMLS #1795409 · West Capital Lending, Inc.
4.8 on Google
elect your situation to explore mortgage options tailored to your goals..
See what I qualify forThe loan built for it
Conventional + FHA loansBuy or refinance with flexible options
HELOC & Home EquityAccess equity. Keep your first mortgage
Non-QM LoansOptions beyond traditional guidelines
Bank statement loanSelf-employed? Your deposits may qualify
VA loansExclusive benefits for eligible military borrowers
Flexible Credit ProgramsOptions beyond a perfect score
DSCR loanQualify on the rent
Big Decisions.
Better Numbers.
Free calculators, with no sign-up to look.
HOW IT WORKS
Three Simple Steps. One Mortgage Expert.
A simple process, personalized guidance, and support from start to finish.
1GET STARTED
Tell Me Your Goals
Share a few details about your goals and financial situation.
2EXPLORE OPTIONS
Find Your Best Fit
I'll help you compare available loan options and guide you through approval.
3MOVE FORWARD
Close With Confidence
From paperwork to closing, I'll be here to help every step of the way.
4.8
4602 reviews on Google
Real People. Real Experiences.
Real Results.
“My experience with West Capitol Landing Was 10 out of 10 Jacob was the one helping me, and you can tell how professional he is and experience I 100% recommend West Capitol Landing, especially with Jacob.”
Juan Rodriguez
“Excellent, responsive communication. He also got me a rate 0.875% lower than four other lenders I was working with for this home purchase.”
aaron moy
“Excellent Customer Service”
Trazanna Spearman
“Great personalized service! Easy process”
Jill Merical
“West Capital Lending were very helpful and professional through the whole process.”
Cynthia Stewart
“Very helpful and attentive throughout the process”
Dutch
“Christian Haas Very easy to work with. He won our trust,very helpful, knowledgeable and looked out for our best interest. Would recommend any time.”
manuel barriosnuevo
“Great”
Sheree Richmond
“Very easy and efficient process.”
Ralph Monteleone
“Anthony and his team are the absolute best!!! They made the entire loan process so easy and stress-free. They were there to guide us every step of the way, answering our questions and making sure we felt supported throughout the process.”
Brony Czermcha
Meet your loan officer.
Hi, I'm Charles Calihan!
With over 10 years of experience in the mortgage industry, I've helped hundreds of homeowners and homebuyers navigate one of life's biggest financial decisions.
As a mortgage professional with West Capital Lending, I specialize in helping clients find competitive wholesale financing options, whether they're purchasing a home, refinancing, consolidating debt, or accessing their home's equity.
I believe getting a mortgage shouldn't be complicated or stressful. My approach is simple: understand your goals, explain your options clearly, and help you make the best financial decision for your situation.
When you work with me, you're not just another application. You'll have a dedicated mortgage professional by your side, from our first conversation to the closing table.
Let's find the right mortgage solution for you.
Your Goals.
Your Mortgage. Your Way.
Let's find the right mortgage solution for you. No pressure, no obligation.
(949) 674-0754