Unlock Big Savings
on Your Non QM Loans
Looking to buy your first home or refinance for a better rate? We’ve got you covered.
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Casey Weaver Executive Branch Manager
NMLS #1705980
"Casey was very helpful through the whole process and answered whatever questions I had whenever I needed. His whole team really did a great job! "Richelle T
6 Ways We Help You Secure the Right Non‑QM Loan
Let our specialized Non-QM team guide you through complex income scenarios with clarity,
speed, and confidence.
Non‑QM Purchase Loans for Unique Income
Buy with confidence — even if your income doesn’t fit traditional guidelines. We help self‑employed borrowers, investors, and entrepreneurs qualify using bank statements, P&Ls, assets, or rental income.
Refinance Using Flexible Non‑QM Options
Lower your payment, restructure your loan, or tap equity using Non‑QM programs designed for real‑world income. Perfect for clients who need alternatives to tax‑return‑based underwriting.
Compare Non‑QM Programs & Choose the Best Fit
Every borrower’s story is different. We compare multiple Non‑QM lenders and programs — Bank Statement, DSCR, Asset Depletion, ITIN, P&L Only, and more — to match you with the most competitive terms available.
Faster Approvals for Complex Files
Non‑QM doesn’t have to mean slow. Our streamlined process and direct lender relationships help you close quickly, even with layered income or investment‑heavy profiles.
Property‑Driven Qualification Insights
Your property type matters in Non‑QM. We evaluate your home or investment property to determine which programs you qualify for and how to structure the loan for the strongest approval.
Equity‑Only Non‑TRID Financing
When traditional guidelines don’t fit, your property’s equity becomes the qualifier. Access streamlined Non‑TRID loans with no credit requirements, no income verification, and approvals up to 50% LTV - fast, discreet, and built for real‑world scenarios.
Know Your Options &
Get Pre-Approved with
Our Quick & Easy Tools
Get your No-Obligation
Pre-Approval Letter
Find out how much home you can afford by getting pre-approved for your next home loan now.
Get Started Now
Analyze Your
Refinance Options
This No-Obligation calculator crunches the numbers for you. Find out exactly how much money you can save by refinancing.
Get Started Now
Compare Today's
Mortgage Rates
Browse today's rate comparisons to see which individual mortgage terms make the most sense for you.
Get Started NowYour Home Loan Could Be
Fully Funded 30 Days From Now
Get fast, custom loan quotes to compare. Fill out our streamlined, 100% online loan application. Move through the approval process quickly and seamlessly. When you work with West Capital Lending for your home loan or refinance, you can get your money and do what you want with it - usually in less than 30 days.
Get Your Mortgage Rate Quote in Just 30 Seconds!
Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your No-Obligation customized rate comparison below: