Privacy Policy & Disclaimers

Privacy Policy

Last Updated: October 13, 2026

Mongo, LLC d/b/a West Capital Lending (“we,” “us,” or “our”) respects your privacy and is committed to protecting it through this Privacy Policy. This policy explains how we collect, use, disclose, and safeguard your information when you visit https://bakerlending.com/ or engage with our services, including SMS communications. Baker Lending is powered by West Capital Lending, Inc. (NMLS #1566096), which originates the loans described on this website. West Capital Lending, Inc. is a loan correspondent lender.

1. Information We Collect

We may collect the following information:

• Personal Information: Name, email address, phone number, and date of birth (used to help verify borrower identity).
• Loan Inquiry Information: Details you choose to provide, such as loan purpose and goals, property state, estimated property value, mortgage balance, desired cash-out amount, credit score range, employment type, income range, military or veteran status, timeline, comments, and documents you upload (such as a Loan Estimate).
• Mobile Information: Phone number and SMS opt-in/consent records, provided for SMS communications.
• Usage Data: IP address, browser type, device type, pages visited, and time spent on pages.
• Cookies & Tracking Data: See Section 6 below.

We never store sensitive financial data, such as Social Security numbers or bank account numbers, on this website.

2. How We Use Your Information

We use your information to:

• Respond to your mortgage inquiry and provide personalized loan guidance
• Communicate with you about your inquiry, loan options, and appointments
• Send rate updates and market information you have requested, at the frequency you choose
• Send SMS messages you have opted into
• Improve our website and services
• Comply with legal obligations

3. SMS Communications & Consent

By providing your mobile phone number and checking the applicable consent box, you expressly consent to receive automated and non-automated SMS messages from Mongo, LLC d/b/a West Capital Lending, including but not limited to:

• Responses to your mortgage inquiry and loan guidance
• Loan option updates, application status updates, and document requests
• Appointment and consultation reminders
• Customer support messages
• Rate updates and promotional messages (only if you have separately opted in to marketing messages)

Message Frequency: May vary.

Message & Data Rates: Standard message and data rates may apply.

Opt-Out: You may opt out at any time by replying STOP to any message. Reply HELP for assistance.

Consent Not Required: Your consent to receive SMS messages is not a condition of obtaining a loan or purchasing any goods or services.

4. Sharing of Information

We do not sell, rent, or share your personal information with third-party companies for their marketing purposes.

Mobile information, including phone numbers and SMS opt-in or consent data, will not be sold, rented, or shared with any third parties or affiliates for marketing or promotional purposes. SMS opt-in and consent information will not be shared with third parties or affiliates for their own marketing or promotional purposes.

We may share information only when necessary to provide our services, including with:

• West Capital Lending, Inc., which originates loans, and the wholesale lenders it works with when you apply for a loan
• Service providers that operate our website, CRM, secure document upload, and messaging systems on our behalf
• An insurance provider, only if you request a homeowners insurance quote, and only the information needed to provide that quote

These parties may not use mobile information or SMS consent data for their own marketing or promotional purposes. We may also disclose information when required by law.

5. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your information. Information you submit is transmitted securely using HTTPS encryption, and contact form submissions are processed through our CRM system with industry-standard security measures. However, no method of transmission over the internet is 100% secure.

6. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to:

• Analyze website traffic and usage
• Improve user experience
• Understand user behavior

You may control cookie settings through your browser preferences. Disabling cookies may affect website functionality.

7. Your Rights & Choices

You have the right to:

• Access, correct, or delete your personal information
• Opt out of marketing communications
• Withdraw SMS consent at any time by replying STOP

To exercise these rights, including requesting deletion of your information, contact us using the information below.

8. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect information from minors.

9. Contact Us

If you have questions about this Privacy Policy or our SMS practices, contact us at:

Mongo, LLC d/b/a West Capital Lending
Andrew Baker
Phone: (949) 665-0909
Email: [email protected]

See also our Terms of Service.

Equal Housing Lender

West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status in the making or purchasing of residential mortgage loans, or in the terms and conditions of such loans. All loan programs are subject to borrower and property qualifications, including but not limited to credit, income, property valuation, and occupancy requirements.

Licensing & Regulatory Information

Andrew Baker — Loan Officer
NMLS #2688601
DRE #02389003 (California)

West Capital Lending, Inc. — Mortgage Loan Originator & Loan Correspondent Lender
NMLS #1566096 · Corporate NMLS #203003
DRE #02022356 (California)
17911 Von Karman Ave, Suite 400, Irvine, CA 92614
Licensed in 43 states plus Washington, D.C.

You can verify licensing information at NMLSConsumerAccess.org.

Loan Disclaimers

All loan programs, rates, terms, and conditions are subject to change without notice. Rates shown on this website, in calculators, or in blog posts are for illustrative purposes only and do not constitute a commitment to lend, a loan offer, or a guarantee of any rate or term. Actual rates, fees, and loan terms will be determined based on your individual credit profile, loan amount, property type, occupancy, and other underwriting factors.

The mortgage calculators on this site are educational tools that provide estimates only. Results are not guaranteed and should not be relied upon as the basis for any financial decision. Your actual monthly payment, closing costs, taxes, and insurance will vary. Contact Andrew Baker for a personalized Loan Estimate tailored to your situation.

West Capital Lending, Inc. is a mortgage loan originator and loan correspondent lender that partners with multiple wholesale lenders. Not all loan products are available in all states. Minimum credit scores, down payments, and other requirements vary by loan program and lender.

Website Disclaimers

The information on this website is provided for general informational purposes only and does not constitute legal, financial, or tax advice. While we strive to keep information accurate and up to date, we make no warranties about the completeness, reliability, or accuracy of any content. Any reliance you place on such information is strictly at your own risk.

Blog posts and market commentary reflect conditions at the time of publication and may not reflect current market conditions. Past performance and historical rates are not indicative of future results.

Third-party links on this website are provided for convenience. Baker Lending Powered by West Capital Lending, Inc. does not endorse or guarantee the content, products, or services offered by third-party websites.

Contact

Questions about this policy or your information? Reach out anytime:

Andrew Baker · (949) 665-0909 · [email protected]

Last updated: April 2026