Get pre-approved fast with a trusted mortgage broker serving California. Whether you're buying, refinancing, or tapping equity—I make the process simple and transparent.
Not ready for a full application? No problem. Just let me know how you'd prefer to be contacted and I'll reach out to answer your questions.
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From first-time buyers to seasoned investors, I offer a comprehensive range of mortgage products tailored to your unique needs.
Conventional, FHA, and VA loans for your home purchase with competitive rates and flexible terms.
Lower your rate, change your term, or tap into your home equity for any purpose.
HELOC and HELOAN options to access your home equity with flexible terms.
Jumbo, Bank Statement, WVOE, P&L, ITIN, DSCR, and No Ratio loans for unique situations.
Short-term financing for investors bridging properties or rehabilitating homes.
Asset-based lending for quick closings and unique investment opportunities.
We'll discuss your goals, review your financial picture, and determine which loan programs fit best. No pressure, just clarity.
I'll walk you through the documentation process and get you pre-approved so you can shop with confidence.
Once you're under contract, I handle the details and keep you informed every step of the way until keys are in hand.
Don't just take my word for it—see what homebuyers and sellers have experienced working with me.
"We just closed on a new home and Vince and his colleagues at West Capital made the financing process extremely easy. Vince was always available to answer our questions, called us to give updates, and worked professionally with our agent as well. If you want one less thing to worry about, definitely work with Vince on your loan or re-fi."
Santa Clarita, CA • via Zillow
"I worked with Vinny twice and each time was an experience. It was almost too good to be true how easy everything was. He is very knowledgeable on his products and answered all my questions. Highly recommend!"
Omaha, NE • via Zillow
"I cannot say enough great things about Vincenzo D'Amato and his West Capital Team! The HELOC process was incredibly smooth and stress-free. Vincenzo worked quickly to secure my funding with the best possible terms, keeping me informed at every step. His professionalism, expertise, and dedication truly set him apart. Highly recommend!"
Pendleton, OR • via Zillow
"He is the greatest of all time. I went through 4 others before I decided to go with Vincenzo. He said he can get me my financial situation done and approved in 5 days. He guided me throughout the process and he was hands on and very knowledgeable. I ended up finding a trusted real estate person I can always go to. I highly will recommend my friends and family to him."
Corona, CA • via Zillow
View all verified client reviews and ratings
As a licensed real estate professional (DRE #02239844), I offer comprehensive services to help you buy or sell your home in California—backed by expert mortgage guidance.
Navigate the California real estate market with confidence. I help buyers find their perfect home while securing financing—all under one roof.
Get top dollar for your California property. My dual expertise in real estate and lending means strategic pricing and smooth transactions.
Coordinated expertise means fewer delays and smoother transactions
Know your buying power before you make an offer
One trusted advisor for both financing and purchase
Understand property values and financing in tandem
Real estate services available in California only. DRE License #02239844
I was born in Italy and raised in Orange County, California, where family, hard work, and long-term stability have always been core values in my life. Those values naturally carried into my career in mortgage lending, where helping families achieve homeownership and financial security is more than a transaction — it's a responsibility.
Before entering the mortgage industry, I played Division I college football at the University of California, Berkeley. Competing at that level taught me discipline, preparation, and accountability — principles I apply to every loan I work on. In lending, details matter, timelines matter, and trust matters, and I take all three seriously.
As a Branch Manager with West Capital Lending, I have access to a broad network of lenders and loan programs, allowing me to help first-time homebuyers, growing families, homeowners looking to refinance or access equity, and real estate investors. My role is to guide clients through major financial decisions with clarity, transparency, and a strategy that fits their current needs and long-term goals.
As a family-oriented professional, I understand that buying or refinancing a home impacts more than just numbers on paper — it affects stability, lifestyle, and future opportunities. My goal is to make the mortgage process straightforward and stress-free, while helping clients put themselves and their families in a stronger financial position for years to come.
Your trust is important. Verify my licensing and company information through official channels.
Explore your options with our suite of professional mortgage calculators. Get instant estimates for any scenario.
Calculate monthly PITI + HOA payments
Estimate HELOC payments during draw & repayment
How much home can you afford?
Determine break-even point on refinancing
See how much equity you can access
See how extra payments save interest
Compare interest-only vs fully amortizing payments
Calculate income needed for your target price
Disclaimer: These calculators provide estimates only and are not a commitment to lend. Results are hypothetical and for educational purposes. Consult with a licensed professional for accurate quotes.
Apply online in minutes or schedule a free consultation to discuss your options. I'm here to help you find the right loan for your situation.
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