California Mortgage Loans
Conventional, FHA, VA, jumbo, HELOC and investor financing for California borrowers — shopped across a wholesale lender network instead of a single bank’s shelf.
Mortgage Lending in California
Andrew Baker is a licensed mortgage loan originator serving California through West Capital Lending, Inc. As a broker rather than a bank, your loan is shopped across a wholesale lender network — so California borrowers are matched to the program and pricing that fit, not to one institution’s product shelf.
Loan Programs Available in California
Conventional Loans
As little as 3% down, with mortgage insurance that drops off at 80% LTV.
FHA Loans
3.5% down at a 580 score, with more forgiving credit guidelines.
VA Loans
$0 down and no monthly mortgage insurance for eligible service members and veterans.
Jumbo Loans
Financing above the conforming limit, shopped across wholesale lenders.
HELOC & Home Equity
Access equity without disturbing your existing first mortgage.
HEI / HEA
Tap equity with no monthly payment and no interest.
Reverse Mortgages
For homeowners 62 and older, with no required monthly mortgage payment.
DSCR Investor Loans
Qualify on the property’s rental income instead of your personal income.
Bank Statement Loans
Qualify on 12 or 24 months of deposits instead of tax returns.
Cities We Serve in California
Licensing & Disclosure
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