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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
CALL BRIGHTON
150+
Wholesale Lenders
200+
Loan Programs
10+
Years Experience
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WHERE DO YOU FIT

What Brings You Here?

Every situation is different. Pick yours and let's talk.

Buying a Home
BUYING A HOME
First-timer or moving up — I shop 150+ lenders to find you the right rate, not just the easiest approval.
GET STARTED →
 Self-Employed
SELF-EMPLOYED
Tax returns don't tell your whole story. Bank statement loans qualify on 12–24 months of deposits — no W-2 needed.
GET STARTED →
 Real Estate Investor
REAL ESTATE INVESTOR
DSCR, asset-based, or portfolio — let the property cash flow do the qualifying. No personal income required.
GET STARTED →
 VA / Active Duty
VETERAN OR ACTIVE DUTY
Zero down, no PMI, competitive rates. You earned the VA benefit — let's make sure you use it right.
GET STARTED →

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.

★★★★★

"Two banks said no. Brighton found a way. We closed in 28 days and I couldn't believe how smooth it was."

DC
DAVID C.
Self-Employed Homebuyer, CA
★★★★★

"As a veteran I didn't want to get pushed into the wrong product. Brighton was straight with me from day one."

SW
SARAH W.
VA Homebuyer
★★★★★

"My rental income finally worked in my favor. DSCR loan, no tax returns needed. He got it done when others couldn't."

LJ
LUIS J.
Real Estate Investor

Had a good experience? I'd love to hear about it — and it helps other people find the right lender.

LEAVE A REVIEW ON EXPERIENCE.COM REVIEW ME ON FACEBOOK
VERIFIED REVIEWS · TAKES LESS THAN 2 MINUTES

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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