Who writes this
Korbin Spangenthal is Vice President and a licensed Mortgage Loan Originator at West Capital Lending, Inc. He holds NMLS #2079029 and California DRE #2178533, and is licensed to originate in 30 states; licensed loan officers on his West Capital Lending team cover ten more (Indiana, Louisiana, Mississippi, Montana, Nevada, New Jersey, North Carolina, Rhode Island, South Carolina and Vermont), so the site serves 40 states in all, counting D.C. West Capital Lending, the brokerage he originates through, is rated 4.8 out of 5 across more than 4,500 Google reviews.
His practice concentrates on borrowers whose income is real but whose documentation is awkward — business owners, 1099 contractors, commission earners and anyone whose tax return understates what they actually earn. That focus is the reason this site exists rather than a general mortgage blog.
You should not take his word for any of that. Verify the license on NMLS Consumer Access, the federal registry of mortgage originators, which is free and takes about thirty seconds.
Who West Capital Lending is
West Capital Lending, Inc. (NMLS #1566096, DRE #02022356) is a licensed mortgage brokerage headquartered at 17911 Von Karman Avenue, Suite 400, Irvine, CA 92614.
A broker is not a lender, and the distinction matters to you. A bank offers its own products and will decline you when your file does not fit them. A broker shops your file across multiple lenders and programs, which is precisely why a self-employed borrower declined by their own bank often gets a different answer somewhere else without changing anything about their situation. The digital home equity line described throughout this site is provided by a wholesale lending partner, which is disclosed to you before you apply.
What this site is and is not
It is a marketing website. It exists because self-employed borrowers are underserved and because the questions they ask are poorly answered elsewhere. It is not a lender, it is not neutral, and you should read it knowing the author would like your business.
What it will not do is mislead you to get it.
The rules these pages are written under
- No rates, no fees, no percentages. Rates change constantly and depend on your file. A number published today would be wrong tomorrow and misleading in the meantime.
- No credit score minimums and no debt-to-income thresholds. They vary by program and by scenario, and publishing one discourages people who would have qualified.
- No expense factor. How deposits convert to qualifying income depends on which program your file fits. Any single number quoted before looking at your situation is a guess dressed as a fact.
- No invented testimonials. Ratings shown are verified reviews collected through a third party and are attributed as such.
- Every product fact traces to a current lender guideline, and pages are updated when guidelines change rather than left to drift.
- The downsides are written down too. Several pages here explain when this is the wrong product. That is deliberate.
How to reach him
Direct: (949) 751-1870. Email: kspangenthal@westcapitallending.com. Or use the form on the home page, which goes to him and not to a call center.
Related sites
Homeowners whose property is actively listed for sale face a different and narrower situation, with its own program rules. That is covered separately at BridgeMyHELOC.com, also written by Korbin.
Investors whose equity sits in a rental they do not live in are usually better served by a DSCR loan, which qualifies the property on its rent rather than the owner's tax returns. Korbin covers that product at QualifyOnRent.com.
Florida condo owners and buyers whose building failed a lender's review — a "non-warrantable" condo — have a separate problem that no bank-statement program solves. Korbin covers that at FloridaNonWarrantable.com.
Self-employed landlords who want a line on a rental rather than the home they live in have a different program set — most banks will not open a HELOC on a non-owner-occupied property at all. Korbin covers investment-property lines, in first, second or third position, with bank-statement or full documentation, at HELOCforRentals.com.
Business owners often hold the house in a revocable living trust, and some banks turn the file away for that reason alone. The trust is rarely the problem; the bank's process is. How a line of credit works when the home is titled to a trustee, and why nobody should deed the house out to get one, is covered at HELOCforLivingTrusts.com.
Everything that is not a self-employed HELOC — purchase loans, refinances, the digital HELOC for W-2 borrowers, free calculators, and the full list of states where Korbin is licensed — lives on his main site, MortgageWithKorbin.com.
Common questions
Is this site a lender?
No. It is a marketing website operated by Korbin Spangenthal on behalf of West Capital Lending, Inc., a licensed mortgage brokerage. The home equity line described here is provided by a partner lender.
How do I verify the license?
Search NMLS #2079029 at nmlsconsumeraccess.org, the federal registry of mortgage loan originators. It is free, public, and shows licensing status by state. West Capital Lending's company license is NMLS #1566096.
Why are there no rates anywhere on this site?
Because a published rate is wrong almost immediately and depends heavily on your specific file. Quoting one would mean showing you a number you probably cannot get.