Where Lending Meets Strategy

Mortgage strategy for borrowers other lenders can't quite figure out.

Jerry Garcia, Branch Manager at West Capital Lending. Self-employed, investor, equity-rich, or just need someone to actually look at your scenario? That's where I do my best work.

Schedule a 30-min callExplore loan options
Jerry Garcia, Branch Manager at West Capital Lending
13
Years in the Industry
2hr
Certified CE Instructor
100s
Loans Closed
1
Goal: Get You Funded
🔄

Looking for a Reverse Mortgage?

If you're 62 or older and want to tap into your home's equity without a monthly mortgage payment, a reverse mortgage might be the right move. Jerry specializes in those too.

Visit JerryKnowsReverse.com
Free Tools

Try Before You Talk

Run the numbers, find your loan type, or ask a question. All before we ever speak. No login required.

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Debt Consolidation Calculator

Compare your current payments to a cash-out refi or HELOC. See how much you could save each month by rolling your debts into your mortgage.

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Important Disclosure

IMPORTANT: This calculator provides illustrative estimates only and does not constitute an offer or extension of credit. Figures shown are based solely on the values you enter and do not reflect a rate quote, application decision, or guarantee of qualification.

ABOUT THE INTEREST RATE: The rate field accepts any value you input. It is not a rate being offered by Jerry Garcia or West Capital Lending, Inc. Actual rates are determined at the time of application based on your credit profile, loan amount, property type, occupancy, loan-to-value ratio, debt-to-income ratio, and current market conditions.

ABOUT THE DISPLAYED PAYMENT: The Estimated Monthly Payment includes principal, interest, property tax, and insurance based on the values you enter. It does NOT include private mortgage insurance (PMI), HOA dues, flood insurance, or other costs that may apply. The figure does not represent an Annual Percentage Rate (APR) and is not a TRID Loan Estimate.

APR vs. INTEREST RATE: The displayed payment is based on the interest rate you entered, which is different from the Annual Percentage Rate (APR). APR reflects the total cost of credit and includes finance charges, origination fees, mortgage insurance, and certain other costs. APR will be higher than the entered interest rate and will be disclosed in your official Loan Estimate at the time of application.

For an actual rate quote based on your scenario, contact Jerry at (303) 217-1896 or schedule a call at calendly.com/jerryg-westcapitallending/30min.

West Capital Lending, Inc. NMLS #1566096 / Cal DRE #02022356. Jerry Garcia NMLS #994639. Equal Housing Lender.

Dollar Amount
%

Sample rate for illustration — not a rate quoted by Jerry or WCL

Estimated Monthly Payment
$2,752
Principal & Interest$2,335
Property Tax$267
Insurance$150
Loan Amount$360,000
These are estimates. Talk to Jerry for a personalized quote with real-time rates.
My Story

I Didn't Get Into This to Be Average

I started my career as the preferred lender for one of the largest homebuilders in Colorado, managing a team of loan officers and learning what it takes to close at volume without cutting corners.

Then I went where most loan officers won't. I served active duty military families buying at their duty stations across the country. I wasn't just closing loans. I was helping service members build real estate portfolios, one PCS at a time.

Today, as a Branch Manager at West Capital Lending, I bring that same energy to homeowners and buyers across the states where I'm licensed. Whether you're a business owner who's been told your tax returns are "too low," an investor who needs a smarter loan product, or a homeowner ready to put your equity to work... I'm the person you want in your corner.

"Your situation isn't a problem to solve. It's a strategy to build."
Jerry Garcia, Colorado mortgage expert
NMLS
#994639
CO Lic
#100041939
CE
Certified Instructor
WCL
NMLS #1566096
Who I Help

Built for Borrowers Who
Don't Fit the Mold

If every loan officer you've talked to sounds the same, that's the problem. I'm not every loan officer.

🎖️

Veterans & Active Duty

Your VA benefit is one of the most powerful wealth-building tools you have. I'll help you use it at every duty station and turn each PCS into an investment opportunity.

→ VA purchase, IRRRL, portfolio strategy
💼

Business Owners

Your CPA saved you thousands on taxes, and now a lender says you "don't make enough." Sound familiar? Bank statement loans show your real income without the tax penalty.

→ Bank statement, P&L, asset-based
📈

Real Estate Investors

Whether it's property two or property twenty, DSCR loans let the deal speak for itself. No income docs. No employer verification. Just the numbers.

→ DSCR, portfolio loans, LLC closings
🏡

First-Time Buyers

You don't need to have it all figured out. I'll walk you through every option, from FHA to conventional to down payment assistance, and make sure you understand the whole picture.

→ FHA, conventional, DPA programs
🔑

Non-Traditional Borrowers

Recent credit event? Foreign national? Complex income? The mortgage world has more options than most people realize. I know them because I teach them.

→ Non-QM, asset depletion, foreign national
🤝

Real Estate Agents

You need a lender who communicates, gets creative when deals hit bumps, and never lets your reputation take a hit. I'm that partner. Ask about my CE course too.

→ Referral partner, CE course, deal support
For Real Estate Agents

I Don't Just Close Loans. I Teach Them.

I'm a certified instructor for a 2-hour Colorado CE course on Non-QM loan products. Most agents have heard of bank statement loans or DSCR, but very few can explain them to their clients with confidence. This course changes that.

When your agents understand the full lending landscape, they can serve more buyers, rescue more deals, and position you as the brokerage that goes the extra mile.

  • Colorado Division of Real Estate approved
  • Covers Bank Statement, DSCR, Asset-Based & more
  • Real scenarios, not textbook theory
  • Available for offices, brokerages, or agent groups
Book a CE Session
Continuing Education
Non-QM Loan Products
2
Hours CE Credit
Jerry GarciaNMLS #994639 · Certified Instructor
How It Works

Four Steps. No Surprises.
No Runaround.

I don't disappear after the application. You'll hear from me, not a call center.

1

Strategy Call

We talk about your goals, your finances, and what you're actually trying to accomplish. No pressure. No hard sell. Just clarity.

2

Custom Game Plan

I come back to you with real options and real numbers, so you can make the call that's right for your situation.

3

Execution & Updates

Once we're rolling, I keep you and your agent in the loop at every milestone. You'll never have to chase me for an update.

4

Close & Beyond

We close on time. And after that, I'm still here for your next purchase, your refi, or just a question down the road.

Common Questions

What People Ask Me

A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the rental income of the investment property, not your personal income. No tax returns, no W-2s, no employer verification required. It's built for investors who want to scale without the documentation burden of conventional loans.
Yes. Bank statement loan programs allow self-employed borrowers to qualify using 12 to 24 months of personal or business bank statements instead of tax returns. This is designed for business owners who minimize taxable income through legitimate deductions and write-offs.
Non-QM (Non-Qualified Mortgage) loans don't follow the standard guidelines set by Fannie Mae or Freddie Mac. They include bank statement loans, DSCR loans, asset-based lending, and programs for borrowers with recent credit events. I'm a certified CE instructor on this topic, so it's one of my core specialties.
Absolutely, and it's one of my favorite strategies to work on. Active duty service members can purchase a home at each duty station using their VA benefit, live in it during that assignment, and keep it as a rental when they PCS. Over a career, this can build a serious portfolio of income-producing properties.
In many cases, yes. A "no" from one lender often just means the wrong product or an incomplete understanding of your situation. With access to Non-QM products, bank statement programs, and a range of alternative solutions, there's usually a path forward. Let's talk and find out.
Yes. I'm certified to teach a 2-hour Colorado continuing education course on Non-QM loan products. It's approved by the Colorado Division of Real Estate and covers bank statement loans, DSCR, asset-based lending, and more. I can deliver it for your office or brokerage, so just reach out to schedule.
Book a Call

Stop Settling for a Loan. Start Building a Strategy.

Whether you're buying your first home, scaling an investment portfolio, or someone told you "no" when they shouldn't have... let's have a real conversation about what's possible.

Pick a time that works for you and I'll give you a call. No pressure, no hard sell. Just a straight conversation about your options.

(303) 217-1896jerry@jerryknowsloans.comNMLS #994639

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