Meet Jerry Garcia
Branch Manager at West Capital Lending, Inc., NMLS #994639. Helping homeowners and buyers refinance, tap equity, and buy with strategy.
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.
My practice focuses on borrowers and scenarios that don't fit standard underwriting — self-employed, investors, asset-rich, equity-driven, and the clients other LOs pass on. I also teach a DORA-approved continuing education course on Non-QM lending, with CE credit available for Colorado real estate licensees.
Licenses & credentials
Verify any of the below directly on NMLS Consumer Access.
Alabama
License #994639
Arizona
License #LO-2016635
Colorado
License #100041939
Michigan
License #994639
Virginia
License #MLO-46400VA
Loan Originator
Jerry Garcia
Branch Manager · NMLS #994639
Sponsoring Company
West Capital Lending, Inc.
NMLS #1566096 / Cal DRE #02022356
17911 Von Karman Ave, Suite 400, Irvine, CA 92614
Have a scenario you want to talk through?
The fastest way to a real answer is a 30-minute call. No pressure, no hard sell — just a straight conversation about what's possible.