A lender partner for the deals other LOs can't close.
I'm Jerry Garcia, Branch Manager at West Capital Lending, Inc.. I work hand-in-hand with real estate professionals to get clients to the closing table — especially the self-employed, investor, and complex-scenario clients that other lenders pass on.
What I bring to your transactions
Non-QM expertise
DSCR, bank statement, asset depletion, foreign national, and other Non-QM programs your typical client may need. The deals other LOs decline.
Honest preapprovals
Full underwriting review so your offers carry real weight at the negotiating table.
Communication discipline
Status updates throughout the process. You and your client always know where things stand.
Multi-state coverage
One LO relationship for clients moving between or buying in any of the markets where I'm licensed.
2 hours of DORA-approved CE — taught by an LO who actually does these loans.
Non-QM Lending Essentials
I teach a 2-hour Non-QM continuing education course, approved by the Colorado Division of Real Estate. The course covers DSCR, bank statement, asset depletion, and other non-traditional programs — what they are, who they fit, and how to spot the deals you might be losing because your typical lender can't close them.
The course is offered live, either in-person or online, and is currently free.
DORA-approved CE credit (2 hours): Colorado real estate licensees only. Real estate professionals in any state are welcome to attend for professional development; CE credit is not currently offered outside Colorado.
Tell me what you're interested in
CE course, lender partnership, or a general conversation — let me know and I'll follow up within 1 business day.
Express interest
Tell me a little about you and what you're interested in — CE course, lender partnership, or just a general conversation. I'll follow up within 1 business day.
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Jerry Garcia
Branch Manager · West Capital Lending, Inc.
NMLS #994639 · Company NMLS #1566096 / Cal DRE #02022356