Wholesale Mortgage Broker

I Don't Sell Loans.
I Architect
Deals.

Stop letting algorithms deny your application. I access 30+ wholesale lenders to structure the DSCR, Non-QM, and complex loans banks won't touch.

Get My Custom Rate → Read Case Studies →
30+ Wholesale Lenders
5.0 Zillow Rating
19 Licensed States
Tyler Huntington — Branch Manager, West Capital Lending
Tyler Huntington
Branch Manager · West Capital Lending
NMLS #181638 ★ 5.0 Zillow
🏠 Just Closed: $650K Refi in Irvine @ 5.875%
📊 DSCR Investor Loan — 6 Units, Closed in LLC
🎖️ VA Purchase — $0 Down, Closed in 18 Days
💰 Cash-Out Refi — $180K Equity Unlocked
🔑 First-Time Buyer — 580 FICO, FHA Approved
🏠 Just Closed: $650K Refi in Irvine @ 5.875%
📊 DSCR Investor Loan — 6 Units, Closed in LLC
🎖️ VA Purchase — $0 Down, Closed in 18 Days
💰 Cash-Out Refi — $180K Equity Unlocked
🔑 First-Time Buyer — 580 FICO, FHA Approved
What I Structure

Every Deal Has a Path.
I Find It.

From conventional purchases to complex investor portfolios — I've closed scenarios that made retail banks walk away.

🏠

Purchase & Pre-Approval

TBD underwrite before you find the house. When you make an offer, you close — no surprises, no conditions.

📊

DSCR & Investor Loans

Qualify on rental income, not personal DTI. Close in LLC. I've structured DSCR deals from single rentals to 10+ unit portfolios.

💰

HELOC & Equity Access

Unlock your equity without touching your first mortgage rate. Fixed and variable options, funded in as little as 10 days.

🔄

Refinance & Cash-Out

Rate-and-term, cash-out, or debt consolidation. I run the math on break-even timelines so you know the exact ROI.

🎖️

VA Loans

Zero down, no PMI, competitive wholesale rates. VA IRRRL streamlines in as little as 15 days. You served — I make sure the benefit works.

🔑

FHA & First-Time Buyers

3.5% down, credit scores from 580. Rapid Rescore if you're close. Down payment assistance programs available in both CA and AL.

How It Works

Four Steps. Zero Homework.

You text me a name and number. I handle everything from pre-approval to closing.

Send the Scenario

Text me a name and number — or just the address. I run the numbers before our first call.

I Shop 30+ Lenders

One application, multiple competing offers. I lock the best rate with the best terms — wholesale pricing retail banks can't match.

TBD Underwrite

Full approval before you house-hunt. When you make an offer, sellers know you're closing. No conditions, no surprises.

Close & Save

Clear-to-close. Keys in hand. And I'm still here for the refi, the HELOC, the next investment — I'm your broker for life.

Free Tools

Run the Numbers Before You Apply.

Built for investors who want to see the math, not a sales pitch. No email gate.

📊 DSCR Calculator
DSCR Calculator — Purchase, Refi & Cash-Out Multi-unit support. Shows your DSCR ratio, live LTV, and tier in 60 seconds. Sub-1 scenarios handled down to 0.75. Open calculator →
Deal Stories

Dead Deals I Brought Back to Life

Every scenario below was a "no" somewhere else. I found the path.

Problem → Fix → Result

Credit Dropped 40 Points 2 Weeks Before Closing

Client financed furniture at the store counter — FICO tanked from 720 to 680. I ran a Rapid Rescore: paid the balance at the counter, disputed the pull, score restored in 72 hours.

✓ Deal saved — closed on time
Problem → Fix → Result

Self-Employed Investor, No W-2s, 8 Rental Properties

Retail bank said no — couldn't verify income conventionally. I structured a DSCR loan qualifying on rental cash flow, closed in LLC, no personal income docs required.

✓ Closed at 7.25% — $420/mo positive cash flow
Problem → Fix → Result

$12,500 Equity Gap Killing a First-Time Buyer Deal

Appraisal came in low. Seller wouldn't budge. I bridged the gap with a restructured second lien + seller credit combo that kept the buyer's cash-to-close under $8K.

✓ $250/mo less than renting
Problem → Fix → Result

VA Buyer Told "You Need 10% Down" by Another Lender

Previous lender overlaid VA requirements. I ran it through wholesale — full VA entitlement, zero down, no PMI. The other lender was just wrong.

✓ $0 down — saved $35K in cash
The Wholesale Advantage

Why I Beat Your Bank's Rate

Retail Bank Wholesale
30-Year Fixed Rate
7.125% 6.625%
Monthly Payment
$3,368 $3,203
Closing Costs
$12,500 $8,200
Lender Options
1 30+
$165/mo
Average Monthly Savings

One Application. 30+ Lenders Competing.

  • Wholesale pricing bypasses retail bank markup — your clients save, you close more
  • I shop every lender's rate sheet daily — you get the best available, not the only option
  • Faster closings because I control the process end-to-end
  • Non-QM, DSCR, bank statement — programs retail banks don't offer
  • Transparent comp structure — you see exactly what I make on every deal
Run My Numbers →
Client Reviews

5.0 on Zillow. 48 Reviews.

Real reviews from real clients. Read all 48 reviews on Zillow →

★★★★★
GREAT Communicator!

"Working with Tyler was an amazing experience from day one! He is a great communicator & went above and beyond to ensure that our loan process was smooth!"

tekfgrits · Brandon, FL
Home Equity · Closed Oct 2024
Verified on Zillow →
★★★★★
Absolute lending rockstar!

"I have had multiple bad experiences with lenders as well as agents most of my life. Tyler has been COMPLETELY the exception to all of my previous experience."

Frank T · Orange, CA
Purchase · Self Employed · Jumbo · Closed Sep 2022
Verified on Zillow →
★★★★★
Best Lender You Can Work With

"Tyler is hands-down the best lender I have ever worked with. He is incredibly responsive, puts the customer first, is transparent, and knows his stuff."

Scott · Los Angeles, CA
Refinance · Jumbo · Rate Lower Than Expected · Closed Jan 2022
Verified on Zillow →
★★★★★
Excellent Loan Officer

"Tyler Huntington is no doubt the most competent and knowledgeable loan officer I have ever worked with. He guided us through our whole refinance process every step of the way."

Barbara · Laguna Niguel, CA
Refinance · Conventional · Closed Jan 2022
Verified on Zillow →
★★★★★
Fantastic

"Tyler did a fantastic job of staying on top of everything. Despite a tricky situation, he got the loan funded in three weeks. Great communicator and knows his stuff."

Chris Ross · Oceanside, CA
Purchase · Closed Feb 2020
Verified on Zillow →
★★★★★
OUTSTANDING!

"Tyler went above and beyond for us. My husband and I were first-time homebuyers, purchasing our home from the east coast. Tyler was THE REASON that we were able to close on time."

sarak · Hawthorne, CA
Purchase · First-Time Buyer · Closed Jan 2018
Verified on Zillow →
About
Tyler Huntington

Tyler Huntington

Branch Manager at West Capital Lending, licensed in 19 states and a licensed real estate agent in California. I've spent my career structuring deals that other lenders walk away from — DSCR investor loans, Non-QM scenarios, rapid rescores, and creative lien structures that get deals to the closing table.

When agents and borrowers hit a wall, they call me. I don't just find a rate — I architect the entire deal from scenario to keys-in-hand.

NMLS #181638 ★ 5.0 Zillow 19 States Licensed CA Real Estate Agent
The Mortgage Edge

Real Scenarios. Real Math. No Fluff.

Deep-dive guides written from the desk of an active LO — not a content farm.

DSCR Loans The Ultimate DSCR Loan Investor Guide: Finance Your Rental Without Tax Returns Read the guide → DSCR Loans DSCR Loan Requirements Checklist: What You Need to Close More Deals in 2024 Read the guide → Home Equity Home Equity Options Guide 2026: HELOC, HELOAN, and Cash-Out — Which One Wins? Read the guide → HELOC HELOC vs Cash-Out Refinance 2026: Which Is Better for Accessing Your Equity? Read the guide → VA Loans VA Loan No Funding Fee Waiver: Eligibility Check and How to Claim It Read the guide → DSCR Loans Mastering DSCR Rental Property Cash Flow Requirements: Florida Investor Breakdown Read the guide →
View All Articles →

Text Me the Scenario.
I'll Run the Math.

Buying, refinancing, investing, or pulling equity — send me the address or the name. I handle everything from pre-approval to closing.

💬 Text Me Your Scenario 📞 Call Direct
📅 Book a 15-Min Strategy Call Full Application →
📞 (949) 567-8454 ✉ thuntington@westcapitallending.com 📖 Read the Blog
📞 Call Tyler 💬 Text Scenario