Malcomb Baker Jr · Branch Manager · NMLS #2699268
Your home equity,
funded in as few as
five days.
I'm Malcomb Baker Jr with West Capital Lending. Apply online in about five minutes, keep your first mortgage exactly where it is, and put your equity to work — up to $750,000 at a fixed rate.1
Checking your rate won't impact your credit.3 · Prefer to talk? Call (949) 591-8793
West Capital Lending, Inc.Equal Housing Lender
West Capital Lending, Inc. · NMLS #1566096
Loan Originator NMLS #2699268
Funding in as few as 5 days2
Digital HELOC
A faster bank loan alternative.
- A seamless, paperless application — no branch visit, no stack of paperwork.
- Apply in 5 minutes with funding in as few as 5 days.2
- Tap your property's value for up to $750,000.
- Say goodbye to unpredictable payments and lock in a competitive, fixed rate.1
Get started with your HELOC application
You'll answer a few questions about your home and your goals. Most people finish in under five minutes.
Checking your rate won't impact your credit.3
The five days
What actually happens
between apply and funded.
Every step is tracked, and I'm the one who calls you if something needs attention. Timelines vary — this is the typical path.2
Apply online
About five minutes. Soft credit pull only, so your score isn't affected.3
Income & identity
Connect your accounts or upload documents securely. No faxing, no notary runs.
Home valuation
Most homes use an automated valuation, which is why this moves in days, not weeks.
Review & sign
You see the rate, the line amount, and the payment in writing before you sign.
Funds released
After the required rescission period, your funds are on the way.
What I do
Four things. Done right.
A HELOC is where most people start, but it isn't the only door. Tell me the goal and I'll tell you honestly which loan gets you there — even when the answer is "wait."
Home equity
Put the value you've already built to work without touching the low rate on your first mortgage.
- HELOC — line of credit
- HELOAN — fixed home equity loan
- Debt consolidation
- Renovation funding
Home purchase
First home or fifth. I shop your file so you see real competing numbers, not one take-it-or-leave-it quote.
- Conventional & jumbo
- FHA & VA
- Pre-approval letters
- Down payment strategy
Refinancing
Lower the rate, shorten the term, or pull cash out. If refinancing doesn't beat what you have, I'll say so.
- Rate & term reduction
- Cash-out refinance
- Remove mortgage insurance
- Streamline options
Self-employed & investor
When tax returns don't tell your whole story, there are programs that qualify you a different way.
- Bank statement loans
- DSCR investor loans
- Asset depletion
- Recent credit events
Why work with me
Not a call center.
One number. Mine.
You won't be handed to a processor you've never spoken to. I take your first call, I watch your file every day it's open, and I'm the one who picks up when you want to know where things stand.
Get a quote
Want options before you apply?
Send me the basics and I'll come back with real numbers. No hard credit pull, no obligation, no hard sell.
Ready when you are.
Five minutes to apply. Five days at the fast end.2 One person on your side the whole way.