Real mortgage answers you can understand.
From a dad who's done right by 1,000+ families.
Straight answers on buying, refinancing, or using your equity. Answer a few quick questions and Brian will walk you through your options in plain English.
Brian here. What are you working on?
Takes 2 minutes. Not an application, no credit pull.
4.96
Experience.com 327 reviews of Brian
5.0
Google 49 reviews of Brian
4.89
Experience.com 49,031 West Capital Lending, Inc. reviews
Meet Brian, the Bald Broker
Powered by West Capital Lending, Inc.
I'm a husband and a dad of three. I treat your loan the way I'd want mine handled.
Let me be frank. I'm not a one and done guy. I explain the numbers, tell you the truth, and stay in your corner long after closing.
Rocket Pro 2025 awards
Shopping for a mortgage is hard. Brian makes it easy.
Quotes that don't match
Three lenders. Three different sets of numbers. No wonder it feels confusing.
Fees you find out about late
Full disclosure: you should see every cost before you commit. Not at the closing table.
Nobody explains the why
A rate means nothing if nobody tells you what it does for you. I walk you through it.
Debt payoff comparison
How much could you save?
Move the sliders to compare a home equity 2nd mortgage with carrying high-interest credit card debt.
Credit card: starting payment
Minimum monthly payment
2nd mortgage: fixed payment
Fixed monthly payment
Your first mortgage stays exactly as it is.
Estimates only, using the numbers you enter. Not an offer, rate quote or commitment to lend. Card payments assume the minimum each month (interest plus 1% of the balance, $25 minimum). Loan figures assume a fixed rate and leave out closing costs and fees. A 2nd mortgage is secured by your home, and missing payments can lead to foreclosure. A lower payment over a longer term can still cost more in total.
Powered by West Capital Lending, Inc.
Brian here. I can help you.
What are you looking to accomplish?
Takes 2 minutes. Not an application, no credit pull.
Need help? Call or text Brian (949) 577-6756
How Brian works
- 1
Tell me what you're working on.
A few quick taps. No credit pull. No application.
- 2
I look at it myself.
No call center. I review your answers and reach out the way you asked: call, text or email.
- 3
I lay out your options.
Full disclosure on every cost. If the loan doesn't make sense for you, I'll tell you. You decide in your own time.
Proof, not promises.
- 4.96
- Average rating, Experience.com
- 327
- Client reviews
- 1,000+
- Families helped
- 20+
- Years helping families win
Hear it from Brian's clients.
327 reviews on Experience.com.
5.0
“Brian was always pleasant to work with and did a great job explaining what I needed to do in a clear, straightforward way. I never felt confused about the next steps, and that made the experience so much less stressful.”
HELOC. Google review, October 2026
5.0
“Brian explained every option available to me so that I could make informed decisions. I appreciated that he is also extremely patient as I always had lots of questions and Brian was awesome!”
Second mortgage. Google review, July 2026
5.0
“Another lending company had led us to believe they could help us, only to let us down at the very last minute. ... With the clock ticking and our home purchase hanging in the balance, Brian Ramos and Dan Macovei delivered two days early!”
Home equity loan. [Confirm source], October 24, 2026
Ask me anything. It costs you nothing.
No pressure. No credit pull to see your options. And if the loan doesn't make sense for you, I'll tell you.
Not a commitment to lend.
2 minto tell Brian what you need
Based in Irvine. Here for Orange County and beyond.
My office is in Irvine, California. I work with buyers and homeowners across Orange County, and in every state where I'm licensed. Most of it happens by phone, text, and email, so you don't need to come in.
Brian Ramos, West Capital Lending, Inc.
17911 Von Karman Ave, Suite 400Irvine, CA 92614
| Monday to Friday | 8 AM to 6 PM |
|---|---|
| Saturday | 8 AM to 1 PM |
| Sunday | Closed |
Questions people ask Brian
Will answering these questions affect my credit?
No. I only ask for rough ranges, and nothing here pulls your credit.
Is this a loan application?
No. It's a few quick questions so I know how to help. An application only comes later, if you decide to move forward.
What states is Brian licensed in?
I'm licensed in 19 states and the District of Columbia: Alabama, Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Idaho, Iowa, Kentucky, Maryland, Michigan, North Dakota, Oregon, Pennsylvania, Tennessee, Utah, Virginia, and Washington.
Where is Brian located?
My office is at 17911 Von Karman Ave, Suite 400, in Irvine, California. I work with buyers and homeowners across Orange County and in every state where I'm licensed. Most of it happens by phone, text, and email, so you don't need to come in.
How is a broker different from a bank?
A bank can only offer you its own loans. As a broker, I shop your loan across multiple lenders to find the one that fits you.
How fast will I hear back?
Usually the same business day. I work out of Irvine, California, so my day runs on Pacific time. If your answers come in at night or on a weekend, I'll reach out the next morning.