One broker. 170+ lenders. The best fit for you.
Erick Martinez shops more than 170 lenders to find the right loan at the right price, whether you are buying your first home, refinancing, investing or exploring a reverse mortgage. Straight answers, fast closings, one point of contact.
Erick Martinez · NMLS #1971229 · West Capital Lending NMLS# 1566096
A program for nearly every situation.
Not sure which one fits? Call Erick. Ten minutes is usually enough to know.
Conventional
As little as 3% down, competitive rates, and mortgage insurance that cancels at 20% equity.
Learn more →FHA
3.5% down and flexible credit guidelines for first-time and rebuilding buyers.
Learn more →VA
Zero down and no monthly mortgage insurance for veterans and active-duty service members.
Learn more →Non-QM
Bank statement, DSCR, 1099 and asset-based loans for self-employed borrowers and investors.
Learn more →Interest Only
Lower initial payments for 5 to 10 years with the flexibility to pay principal on your terms.
Learn more →Reverse Mortgage
Homeowners 62+ convert equity into cash flow with no required monthly mortgage payment.
Learn more →A bank can only sell you its own loan. A broker shops for you.
Erick spent five years at Rocket Mortgage as a loan officer and underwriter. He moved to the broker side for one reason: to offer the best option, not just one lender's option.
- Over 170 wholesale lenders competing for your loan
- Underwriter experience means fewer surprises and cleaner approvals
- Programs for W-2, self-employed, investor, veteran and retiree borrowers
- One point of contact from application to funding
- Rates, fees and timelines explained upfront
From first call to keys in hand.
Quick call
Ten minutes on the phone. You tell Erick the goal, he tells you the realistic options.
Pre-approval
Send documents through a secure link. Most pre-approvals are issued the same day.
Lock and process
Rate locked, file submitted, updates in plain English every step.
Close
Sign with a remote online notary where available, or in person. Keys in hand.
Common questions.
How fast can I get pre-approved?
Most pre-approvals are issued the same day you send your documents through the secure link.
Does it cost more to use a broker?
No. Brokers are paid by the lender in most cases, and shopping 170+ lenders typically results in a better rate or lower fees than a single bank can offer.
What credit score do I need?
It depends on the program. FHA and VA can work with scores in the 580s, conventional typically starts at 620, and some Non-QM programs go lower with compensating factors.
I am self-employed. Can I still qualify?
Yes. Bank statement, 1099 and profit-and-loss programs qualify you on how you actually earn, without relying on tax returns.
Which areas do you serve?
Erick is based in Phoenix and serves borrowers throughout Arizona. See the Licensing page for all states where West Capital Lending is licensed.
Let's find your best option.
One call is usually enough to know where you stand. No obligation, no pressure.