westcapitallending.com Avaliações 5

I applied with West/Figure back in March, and the process turned into nearly two months of frustration.

My original application went through without the condo unit number showing correctly. The loan officer apparently got the property value pulled in behind the scenes, and I made it all the way to the document stage after Plaid income verification was approved. Then underwriting called and told me the application had to be deleted and restarted because the unit number was missing.

That is where the problems really began. Figure’s system did not have the correct unit number for my condo, and it took about three weeks just to get that fixed. When I restarted the application, Plaid was run again and suddenly showed zero income, even though it had worked the first time. I also tried the IRS income route, but that estimate came in below what I had actually made and was already two months outdated.

I repeatedly reached out to the loan officer for help understanding what had been done the first time and how to move the new application forward, but communication was poor. It took constant follow-ups and complaints just to get responses. I even tried disconnecting Plaid through both Figure and my bank, but nothing resolved the issue.

In the end, I had to walk away after almost two months of aggravation.

My takeaway: if you have a straightforward W-2 job and a standard single-family home, this system may work fine. But if you have a condo, unit-number issues, gig income, or anything that requires human review and flexibility, I would be very cautious. The automated systems are rigid, and once something goes wrong, it can become extremely difficult to fix.

I am not the type of person who writes bad reviews. I think that this is only my second one ever. However, as a self employed woman with lots of equity in my home, I was lead to believe that the loan process would be simple and the funding fast. The “branch manager” was aware of my seasonal income and that to get an accurate picture of that, a year of bank statements would need to be averaged. At the end of the process, I realized that HE had OVERSTATED my income by $15k. When PLAID pulled my income through AI, it came back substantially less. This is because they only go back 120days. This means that they checked my income in my slow season, winter!!!!

He asked me to retry the PLAID authentication 3 times?? No change ( why would there be?)

He then asked for full docs. I faxed them. He then wants to allow PLAID into my IRS files.

He was my best friend for a while and now I am being ghosted.

The money that I was counting on never came through. My credit was dinged twice and I have wasted a lot of time with these people.

Aaron, was the reason my experience was so great. He made sure that I understood everything. He was always on top of any issue. He made me feel comfortable because I was unsure about doing business with someone out of state, especially since I was handling the process online and providing private information. After, talking with Aaron for a week I felt he was the right person for me. I would not hesitate to refer him to a friend

We began our request for a Cash-Out refinance mortgage on Thursday 6/12/25. So far we are very impressed with their rapid responses and unbelievable Customer Service to our needs. Ben Kelley has been a "hands-on" Representative for West Capital Lending and a real pleasure. He has been able to put together an extremely attractive package for us to get over 42K of cash and an attractive interest rate of 5.5% on a Refinance 30-yr Mortgage that will only raise our Monthly obligation just over $200. The only glitch we have incurred(so far), was with the Credit Bureau(Equifax) on "unfreezing" my credit file.

Will see how the process goes, but we suspect everything to be quick and thorough, with little hurdles to get in our way.

WEST CAPITAL LENDING...Get a BIG thumbs up from us !!!

UPDATED(7/4/25)...even though we had an FHA-Appraisal done through a Reverse-Mortgage application, they told us over 3-weeks into the process that another appraisal...Should have been communicated way earlier in the process..as of today, NO appraisal company has made contact with us, to setup an appointment. Beginning to think this a STALL tactic...WE'LL SEE

Still waiting to CLOSE(7/16)...e-signed loan documentation multiple times with cash-out being decreased each time...looks like this might be something that we will need to CANCEL unless things change drastically going forward

Well we CANCELED the loan process...they kept coming up with more & more continencies. It became evidence to us, they didn't want to complete the loan....BUYER BEWARE

Still trying to wrap my head around how easy the entire process was. Started and closed in about 72hrs. Everything was done online except the Notary, but only because CT does not allow it. Even after having the money deposited, I am still waiting for the catch. So far the hook is still empty. Raffi A. was extremely patient and if he was ever annoyed with me and all my questions (I can honestly say I would have been), he NEVER showed it even after talking and still not believing for over a combined hour. The biggest reason we chose West Capital was because of the time to close and receive the money since time was of the essence. Most of the other companies were looking at 2-4 weeks to close for a lot less cash out and a lot more hoops to through. Thank you again Raffi and West Capital.