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IRVINE, CALIFORNIA  ·  150+ WHOLESALE LENDERS  ·  BRANCH MANAGER

The Loan You
Actually Deserve.

I'm a broker, not a banker. I'm a husband and a father. I care about your family, and I care about your home. In today's world, this is hard to come by.

Brighton Truax
FIND MY LOAN IN 60 SECONDS CALL BRIGHTON
★★★★★ 5.0 RATED  ·  VERIFIED CLIENT REVIEWS ON EXPERIENCE.COM
150+
Wholesale Lenders
200+
Loan Programs
10+
Years Experience
SCROLL

FIND YOUR FIT

What Brings You Here?

Answer a few quick questions and I'll match you with the programs that fit. Takes about 60 seconds. No credit pull.

HOW IT WORKS

Simple. Transparent. Done Right.

No jargon, no runaround — just a clear path from call to keys.

Tell Me Your Story
01
Tell Me Your Story

Create your free account and share your goals, income, and timeline. No judgment — I've helped veterans, the self-employed, investors, and everyone in between.

FREE · NO OBLIGATION
I Find Your Program
02
I Find Your Program

With 150+ wholesale lenders and 200+ loan programs, I don't fit you into a box — I find the box built for your exact situation.

150+ LENDERS · 200+ PROGRAMS
Upload and Apply
03
Upload. Apply. Track.

Securely upload docs, submit your application, and track every step in real time. No back-and-forth email chains, no confusion.

SECURE · REAL-TIME
Close and Celebrate
04
Close & Celebrate

Clear communication all the way to the finish line. No surprises at closing — just keys in hand and a mortgage that actually fits your life.

STRAIGHT TALK · NO SURPRISES
Brighton Truax
BRIGHTON TRUAX · BRANCH MANAGER · NMLS 1526455 · West Capital Lending

WHO I AM

A Loan Officer
Who Gets It

I'm Brighton. Branch Manager at West Capital Lending, surfer, snowboarder, and someone who thinks the mortgage industry takes itself way too seriously. I've been doing this over a decade and I still treat every deal like it matters — because it does. You're not a file number to me. You're a friend I haven't met yet.

VA LOANS NON-QM BANK STATEMENT DSCR ASSET-BASED CONVENTIONAL
BROKER, NOT BANKER
I work for you — not a single lender. That means I actually shop the market and find the best fit for your situation.
STRAIGHT TALK ONLY
No upselling, no runaround. You'll know exactly where you stand from the first call to closing.
SoCal THROUGH & THROUGH
Surf in the morning, snowboard on weekends, mortgage calls in between. This is home and I love helping people plant roots here.

LOAN PROGRAMS

A Program for Every Situation

When one bank says no, I've got 149 more to call.

VA Loans
VA Loans

Zero down, no PMI, competitive rates for veterans and active service members. You earned this benefit — let's use it right.

MILITARY & VETERANS
Non-QM
Non-QM Loans

Alternative qualification when traditional underwriting doesn't fit. Complex income, recent credit events — real solutions.

FLEXIBLE QUALIFICATION
Bank Statement
Bank Statement

Qualify on 12–24 months of deposits. Built for the self-employed who earn well but run lean on paper.

SELF-EMPLOYED
DSCR
DSCR / Investor

Let the rental income do the qualifying. No personal income or tax returns required — just a property that cash flows.

REAL ESTATE INVESTORS
Asset-Based
Asset-Based

Leverage your investment portfolio to qualify. Ideal for high-net-worth borrowers and retirees with assets but minimal taxable income.

HIGH NET WORTH
Conventional
Conventional & FHA

Traditional programs at wholesale pricing — consistently better rates than what retail banks can offer at the counter.

TRADITIONAL PURCHASE

SECURE APPLICATION PORTAL

Apply & Manage Your Loan Online

Upload documents securely, submit your application, and track every step — all in one place.

START MY APPLICATION
256-BIT SSL ENCRYPTED MISMO COMPLIANT NMLS 1526455 | 1566096

CLIENT REVIEWS

Real Clients. Real Results.

Don't take my word for it. These come straight from verified reviews on Experience.com.

5.0
★★★★★
5 REVIEWS · EXPERIENCE.COM
100%5 STAR RATINGS
100NET PROMOTER SCORE
“
★★★★★

Brighton Truax helped us secure a mortgage loan for our existing property, and we couldn't be happier with his support throughout the process. He worked incredibly hard to find us the right lender, stayed consistently positive, and made sure we understood each step along the way. Brighton kept in touch almost daily to answer our questions and gather the information needed to keep everything moving. He also helped us connect with a great local attorney to handle the closing, which added even more confidence and ease. Along the way, he became an uplifting presence and a wonderful person to know. We genuinely can't speak highly enough of him—his dedication, professionalism, and kindness made a real difference for us.

VL
VICTORIA L.
Mortgage Loan Client
JUNE 2026READ ON EXPERIENCE.COM
★★★★★

"Brighton is an outstanding loan officer! He is understanding, resourceful, and truly dedicated to helping his clients find the best deals and solutions. He is a patient and knowledgeable problem-solver who took the time to answer all my questions and guide me through the process.

His professionalism, expertise, and commitment to customer satisfaction are exceptional. I highly recommend Brighton to anyone looking for a trustworthy and reliable loan officer."

NC
NADIA C.
Loan Client
SEPT 2026EXPERIENCE.COM
★★★★★

"Brighton is an outstanding gentleman he's understanding and work with you. He is willing to helping you to find a great deal for your refinancing he's patient understanding and was willing to help answer any questions that I had. love doing business with him look forward to doing more business with him in the future, great guy to deal with! I will be referring him to my friends and family."

GK
GLENN K.
Refinance Client
JULY 2026EXPERIENCE.COM
★★★★★

"Mr. Truax was amazing from start to finish. He was so helpful in helping me understand this whole process. He always took my calls, was professional, kind, and thorough. I will definitely work with him again."

CR
CELESTINA R.
Queen Creek, AZ
AUG 2026EXPERIENCE.COM
★★★★★

"The professionism and integrity vevery one was hands on the task .., loved it"

AO
ALBERT O.
Madison, WI
JULY 2026EXPERIENCE.COM
SEE ALL REVIEWS ON EXPERIENCE.COM

Worked with me? I'd love to hear how it went. Your review helps other families find the right lender.

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FREE TOOLS

Run the Numbers

Ballpark figures — call me for the real quote.

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MONTHLY PAYMENT
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PRINCIPAL & INTEREST
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LOAN AMOUNT
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TOTAL INTEREST
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TOTAL COST
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DOWN PAYMENT %

Estimates only — not a loan offer. Contact Brighton at (714) 909-2494. NMLS 1526455 | 1566096 | DRE 02022356

YEARPAYMENTPRINCIPALINTERESTTOTAL INT.BALANCE
Click Generate to build your table

Estimates only. NMLS 1526455 | 1566096 | DRE 02022356

GET IN TOUCH

Ready to Book an Appointment?

Take the first step toward financing that works for you.

📧 btruax@westcapitallending.com
📞 (714) 909-2494
📍 17911 Von Karman Ave, Suite 400, Irvine, CA 92614
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