Service Details
Service Details
Service Details
Conventional Loans
Conventional Loans
A flexible mortgage option not backed by the government, ideal for borrowers with strong credit and stable income. Offers competitive rates, varied term lengths, and the potential to avoid mortgage insurance with a higher down payment.
A flexible mortgage option not backed by the government, ideal for borrowers with strong credit and stable income. Offers competitive rates, varied term lengths, and the potential to avoid mortgage insurance with a higher down payment.
A conventional loan is a mortgage not backed by a government agency. For buyers with strong credit and stable income, it often delivers the best combination of competitive rates, flexible terms, and lower overall costs—especially with a larger down payment.
Benefits of a Conventional Loan:
Skip PMI with 20% down – Lower monthly payments.
Competitive Rates – Reward strong credit profiles.
Flexible Terms – Fixed or adjustable options to fit your goals.
Broad Use – Primary homes, second homes, and investments.
Is It Right for You?
Ideal if you have solid credit, steady income, and can put money down. I’ll compare offers so you lock in the most cost‑effective path.
What You'll Need To Apply
Once you have finalized your application below, please email the following documents to sgross@westcapitallending.com:
Mortgage Statement
All Owned Properties
Homeowner's Insurance Policy
All Owned Properties
Homeowner's Association (HOA) Statement
W-2 Forms
Past 2 Years
Paystubs
Most Recent 30 Days
Drivers License or Passport
What You'll Need To Apply
What You'll Need To Apply
Once you have finalized your application below , please email the following documents to sgross@westcapitallending.com:
Once you have finalized your application below, please email the following documents to sgross@westcapitallending.com:
Mortgage Statement
Mortgage Statement
All Owned Properties
All Owned Properties
Homeowner's Insurance Policy
Homeowner's Insurance Policy
All Owned Properties
All Owned Properties
Homeowner's Association (HOA) Statement
Homeowner's Association (HOA) Statement
W-2 Forms
W-2 Forms
Past 2 Years
Past 2 Years
Paystubs
Paystubs
Most Recent 30 Days
Most Recent 30 Days
Drivers License or Passport
Drivers License or Passport
Services
Services
Services
Explore More Loan Options
Explore More Loan Options
Common Questions
Your Questions Answered
Clarity at Every Step of Your Home Journey
What states are you licensed in?
I’m licensed to serve clients in CA, TN, UT, MI, VA, MD, OH, AL, AZ, and FL. Whether you’re purchasing a home, refinancing, or exploring investment opportunities, I can guide you through the process from anywhere in these states.
How do I know I’m getting the best rate?
Can you help if I’m a first-time homebuyer?
Do you work with luxury or investment properties?
Common Questions
Your Questions Answered
Clarity at Every Step of Your Home Journey
What states are you licensed in?
I’m licensed to serve clients in CA, TN, UT, MI, VA, MD, OH, AL, AZ, and FL. Whether you’re purchasing a home, refinancing, or exploring investment opportunities, I can guide you through the process from anywhere in these states.
How do I know I’m getting the best rate?
Can you help if I’m a first-time homebuyer?
Do you work with luxury or investment properties?
Common Questions
Your Questions Answered
Clarity at Every Step of Your Home Journey
What states are you licensed in?
I’m licensed to serve clients in CA, TN, UT, MI, VA, MD, OH, AL, AZ, and FL. Whether you’re purchasing a home, refinancing, or exploring investment opportunities, I can guide you through the process from anywhere in these states.