West Capital Lending

Your Path to Home Ownership Starts Here

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.

Vincenzo D'Amato
Get In Touch

Let's Start the Conversation

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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Or reach out directly:

📱 (949) 705-3976 ✉️ Email Me
Loan Programs

Financing Solutions for Every Situation

From first-time buyers to seasoned investors, I offer a comprehensive range of mortgage products tailored to your unique needs.

🏠

Purchase Loans

Conventional, FHA, and VA loans for your home purchase with competitive rates and flexible terms.

🔄

Refinance / Cash-Out Refinance

Lower your rate, change your term, or tap into your home equity for any purpose.

💰

Home Equity Products

HELOC and HELOAN options to access your home equity with flexible terms.

📊

Non-QM Loans

Jumbo, Bank Statement, WVOE, P&L, ITIN, DSCR, and No Ratio loans for unique situations.

🌉

Bridge & Fix and Flip Loans

Short-term financing for investors bridging properties or rehabilitating homes.

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Hard Money Loans

Asset-based lending for quick closings and unique investment opportunities.

How It Works

Three Simple Steps to Your New Home

1

Quick Call

We'll discuss your goals, review your financial picture, and determine which loan programs fit best. No pressure, just clarity.

2

Strategy & Approval

I'll walk you through the documentation process and get you pre-approved so you can shop with confidence.

3

Smooth Closing

Once you're under contract, I handle the details and keep you informed every step of the way until keys are in hand.

Client Reviews

What My Clients Say

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."

Kristine S.

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!"

Lesedi N.

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!"

Darren C F P.

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."

Danilo D.

Corona, CA • via Zillow

Read More Reviews on Zillow

View all verified client reviews and ratings

Real Estate Services

Buy or Sell Your California Home

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.

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Buying a Home

Navigate the California real estate market with confidence. I help buyers find their perfect home while securing financing—all under one roof.

  • Property search and market analysis
  • Pre-approval before you start looking
  • Negotiation and offer strategy
  • Seamless coordination from search to close
  • First-time buyer guidance and programs
Start Your Home Search
💰

Selling Your Home

Get top dollar for your California property. My dual expertise in real estate and lending means strategic pricing and smooth transactions.

  • Comparative market analysis (CMA)
  • Professional pricing strategy
  • Marketing and listing exposure
  • Buyer pre-qualification assistance
  • Expert negotiation to maximize value
Get a Free Home Valuation

Why Work With a Mortgage Broker Who's Also a Realtor?

Faster Closings

Coordinated expertise means fewer delays and smoother transactions

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Strategic Advantage

Know your buying power before you make an offer

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Single Point of Contact

One trusted advisor for both financing and purchase

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Market Insight

Understand property values and financing in tandem

Real estate services available in California only. DRE License #02239844

Vincenzo D'Amato
About Me

Your Trusted Partner in Home Financing & Real Estate

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.

Licensed In:
CA, WA, OR, DE, FL, IA, MI, MN, NE, PA, TN, WY
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Verify My License & Credentials

Your trust is important. Verify my licensing and company information through official channels.

Loan Officer
Vincenzo D'Amato
Position
Branch Manager
Company
West Capital Lending, Inc.
Company NMLS
#1566096
Company DRE
#02022356
NMLS ID
#2120982
Mortgage Tools

Free Mortgage Calculators

Explore your options with our suite of professional mortgage calculators. Get instant estimates for any scenario.

Mortgage Payment Calculator

Calculate monthly PITI + HOA payments

HELOC Payment Calculator

Estimate HELOC payments during draw & repayment

Affordability Calculator

How much home can you afford?

Refinance Calculator

Determine break-even point on refinancing

Cash-Out Refinance Calculator

See how much equity you can access

Extra Payment Calculator

See how extra payments save interest

Interest-Only Calculator

Compare interest-only vs fully amortizing payments

Income to Qualify Calculator

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.

Ready to Get Started?

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.

Start Your Application Apply for HELOC Schedule Free Call

By submitting, you consent to be contacted by phone, email, or text (including automated means) regarding mortgage products. Message & data rates may apply. This is not a commitment to lend.