No banks. No bots. No BS. Just a broker.
Loan programs, calculators, real client reviews and straight answers. I shop over 150 lenders so you can see what actually fits your file before you ever pick up the phone.
Answer a few quick questions and I'll match you with the programs that fit. Takes about 2 minutes. No credit pull.
Every program has its own page: who it fits, what you need and how it works. When one bank says no, I've got 149 more to call.
Rates go up and down like the stock market. Your main focus shouldn't be on the rate, but on what you can afford to pay.
| Year | Payment | Principal | Interest | Total int. | Balance |
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Ballpark figures for planning only. Not a loan offer or rate quote. Call me for real numbers on your file. NMLS #1526455 · West Capital Lending NMLS #1566096.
Verified reviews from real clients on Experience.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."
"Honest, responsive. Easy to get a hold of. Works hard to accomplish task at hand. Very knowledgeable"
"I appreciated the efforts and personal attention Brighton gave to my file."
"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."
"Brighton is an outstanding loan officer! He is understanding, resourceful, and truly dedicated to helping his clients find the best deals and solutions… I highly recommend Brighton to anyone looking for a trustworthy and reliable loan officer."
"Brighton is an outstanding gentleman he's understanding and work with you… 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."
Even if you don't end up with me. A smart borrower gets a better loan, and I'd rather earn your business than rush it.
That was one lender's rulebook, not the whole market. Plenty of people with great credit and real money get declined because their tax returns don't show what they actually earn. There are programs built for exactly that.
Every write off lowers the income an underwriter reads. Bank statement loans look at 12 or 24 months of deposits instead. Same person, same money, completely different answer.
Usually not. A cash out refi replaces your whole loan at today's rate. A HELOC sits behind your first mortgage, so your low rate doesn't move.
The deal is not dead. You can rebut it with better comps, renegotiate the price, bring the difference in cash, or move the loan somewhere that will order a fresh one.
Not really. It's the same question you already answer on a rental: does the building carry itself? The lender just looks harder at the property's numbers. Call before you fall in love with a building, not after.
Compare Loan Estimates pulled the same day, for the same loan amount and the same lock period. Then look at Section A and the APR. The rate alone never tells the whole story.
Multiple mortgage credit checks inside a short window generally count as one inquiry for scoring. Shop without fear.
I'm Brighton. Branch Manager at West Capital Lending, surfer, snowboarder, and someone who thinks the mortgage industry takes itself way too seriously. I treat every deal like it matters, because it does. You're not a file number to me. You're someone trusting me with one of the biggest financial moves of your life, and I don't take that lightly.
