★★★★★
“Always on top of things”
Seth Lester · Branch Manager & Loan Officer
Your next chapter.
A clearer path home.
Buying, refinancing or accessing home equity? Through West Capital Lending, I compare options from multiple lenders to help you find a loan that fits your goals.
Texas mortgage guidance · Serving 18 states
NMLS #390622 · Equal Housing Lender
A place to call your own.Start with a homebuying plan ↗
Seth Lester · NMLS #390622Who you’re working with
More lender options.
Personal guidance.
I’m Seth Lester, Branch Manager and Loan Officer at West Capital Lending. With access to multiple lenders, I can compare pricing, loan programs and guidelines around your situation.
You’ll work directly with me to review the full payment, cash to close and loan structure, so you understand the tradeoffs before choosing.
More about Seth →Find your starting point
Different goals.
Different ways forward.
01 / PURCHASE
Conventional
Compare loan structure, mortgage insurance, cash to close and your full monthly payment.
Explore conventional →02 / PURCHASEFHA
Understand FHA financing and how its mortgage insurance affects the comparison.
Explore fha →03 / MILITARY BENEFITSVA
Explore purchase financing for eligible service members, veterans and surviving spouses.
Explore va →04 / RURAL HOUSINGUSDA
Start with the property address and household income eligibility.
Explore usda →05 / BUYING YOUR FIRST HOMEFirst-time buyers
Build a plan for your budget, documents, down payment and next steps.
Explore first-time buyers →06 / EXISTING HOMEOWNERSRefinance
Compare the costs and tradeoffs of changing your current mortgage.
Explore refinance →Program availability and eligibility vary by borrower, property and lender. A conversation or application is not a loan approval.
A different situation deserves a closer look
Told no elsewhere?
Let’s review the possibilities.
A previous decline is a reason to understand what happened. We can review your income, credit, property and goals to see whether a different program may be worth considering.
Explore Non-QM options →Alternative documentation does not mean automatic approval. Availability, costs and eligibility vary by borrower, property, state and lender.
Keep your low-rate first mortgage with a
5-Day Digital HELOC
Access your home equity through a 100% online process.
- Funding in as few as 5 business days
- Up to $750,000
- No appraisal in most cases
- No out-of-pocket closing costs
- No hard credit check until you accept your HELOC offer
- Flexible repayment terms from 10 to 30 years
- Fixed and adjustable rate options
- Eligible properties: single-family homes, townhomes, planned unit developments (PUDs) and 2–4 unit properties, including duplexes
- Primary residences, second homes and investment properties
Subject to credit approval, property eligibility and program requirements. Credit limits, repayment terms, rate options and appraisal requirements vary by lender, property and state. Closing costs may be financed or deducted from proceeds rather than waived. Funding in as few as 5 business days is not guaranteed and assumes remote online notarization and completed income, employment and property condition verification. In-person closing, recording restrictions or required waiting periods may extend funding. A HELOC is secured by your home; failure to repay could result in foreclosure.
The bigger picture
Your mortgage should fit more than the house.
Look at the payment, closing costs, repayment timeline and your plans for the future. We’ll work through the tradeoffs so you can decide what fits your next chapter.
Explore your options →Client experiences
What clients say.
5.0★★★★★
Read the reviews on Experience.com ↗Overall rating displayed on Experience.com
★★★★★
“guided me through the entire process”
★★★★★
“His communication was outstanding”
Rating and 19-review total checked October 19, 2026. Experience.com displays reviews from multiple platforms. Short excerpts shown; read full reviews at the source. Individual experiences do not guarantee future results.
Before we talk
Good questions.
Clearer decisions.
You don’t need to have it all figured out before you reach out.
Read the mortgage FAQ →Will starting this affect my credit?
This contact form does not pull your credit. It is a way to start the conversation. We can discuss a soft credit review where available. If you need a prequalification letter to make an offer, a hard credit inquiry and additional review may be required. I’ll explain the step before we take it.
Do I need to find a house first?
No. We can work through a comfortable budget and possible options while you’re still looking. Learn how to estimate a home buying budget.
How much down payment do I need?
It depends on the loan program and your qualifications. We can review down payment and closing cost needs together. Compare conventional, FHA, VA and USDA home loan options.
Is this a loan approval?
No. The contact form starts a conversation. Any loan approval depends on a full application, documentation, and underwriting review.
Who will follow up with me?
I’m Seth Lester, a branch manager and loan officer with West Capital Lending. I’ll help you understand the numbers and your next step.
Where I can help
Texas roots. Serving 18 states.
Serving DFW, Plano, Farmersville, Greenville and beyond. Choose your property state.
Your next step
Let’s talk about
what comes next.
Share where you’re looking and when you’d like to move. I’ll follow up using your preferred contact method.
Call 480-335-9828
Text Seth · Send an email
This is a contact request, not a mortgage application or loan approval. Use the secure application for financial details and documents.