Trusted Mortgage Leadership

Mohamad Fardous — Strategic Mortgage Guidance

Mohamad Fardous brings 10+ years of mortgage experience, including senior roles at national lenders, delivering award-winning service and disciplined loan structuring designed to protect clients and close efficiently.

Now operating as an independent mortgage broker sponsored by West Capital Lending, Mohamad provides clear, strategic guidance backed by access to 170+ lenders. Every loan is structured with precision — aligned to your financial goals, timeline, and long-term strategy.

Licensed in 22+ states.

For states where Mohamad is not directly licensed, he maintains a trusted network of loan officers within West Capital Lending. If you’re outside his licensed footprint, reach out directly and he will connect you with a vetted professional to ensure seamless service and consistent standards.

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Home Financing & Investment Loans

More Lenders. Better Structure. Smarter Financing.

Work directly with Mohamad Fardous, Licensed Mortgage Loan Originator sponsored by West Capital Lending. As a direct broker with access to 170+ lenders, I structure competitive financing solutions tailored to your goals — whether refinancing, consolidating debt, leveraging equity, or expanding an investment portfolio.

At a glance:
• Homeowners & real estate investors

• Refinance, HELOC, purchase & investment loans

• Digital applications & streamlined closings

• Licensed in 22+ states | Access to 170+ lenders

No obligation. Clear options. Structured guidance.

Home Financing Programs Built for Real Life

Explore competitive home financing solutions — structured with clarity, flexible qualification options, and disciplined execution.

Core Residential Loans

Conventional, FHA, VA with competitive rates for reliable home financing.

Stable, well-established loan options with flexibility for lower monthly payments, mortgage insurance reduction strategies, and long-term planning.

Jumbo & High-Net-Worth Financing

Tailored solutions for luxury homes and higher-value properties.

Strategic structuring for complex income, larger loan amounts, and asset-based scenarios — without sacrificing competitive pricing or clarity.

Self-Employed & Flexible Income

Bank-statement and alternative documentation solutions for business owners and 1099 earners.

Qualify using real cash flow and structured underwriting — designed to align with how you actually earn.

Investor & DSCR Loans

Investment programs built around property cash flow — not personal income.

Scale your portfolio with structured lending designed to support acquisition, expansion, and long-term performance.

Equity, HELOC & Cash-Out Solutions

Digital HELOCs and structured cash-out solutions to access equity efficiently.

Leverage your home’s value to consolidate debt, fund renovations, or reposition your finances strategically.

Private Money & Specialty Options

Short-term, rehab, and specialty financing for unique property or credit scenarios.

Structured solutions for situations that require flexibility beyond traditional guidelines.

Fast Digital HELOC Closings. Streamlined Applications.

Close HELOCs faster with a digital application, secure uploads, e-signatures, and appraisal waivers when eligible — fewer surprises, faster funding.

Fast digital application
Secure document upload & e-sign
Appraisal waivers when eligible
Quicker funding and fewer touchpoints

Digital HELOC closings in as fast as 3 days when eligible. Streamlined refinance with clear, timely updates.

Know what’s next and when—so you can plan with confidence.

Direct communication, realistic timelines, and a process built to move—no fluff.

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Better Rates. Smarter Loan Strategy.

Mortgage strategy isn’t just about rates — it’s about structure. I help homeowners and investors refinance intelligently, consolidate high-interest debt, and leverage equity with disciplined planning designed to improve cash flow and long-term positioning.

Refinance smarter
Know when to reduce payments, shorten your term, or reposition your loan — structured around numbers, not guesswork.

Consolidate debt
Replace high-interest balances with structured cash-out or HELOC solutions designed to simplify and reduce overall cost.

Optimize equity
Access equity strategically for renovations, investments, or financial repositioning — without overextending your balance sheet.

Market-aware advice
Your loan structure should reflect today’s market conditions and your timeline — not yesterday’s assumptions.

Your Financing Strategy Snapshot

Lower monthly payments or reduce total interest
Consolidate high-rate debt into structured solutions
Leverage equity for renovations or investments
Choose fixed or adjustable structures aligned with your horizon

Quick, no‑obligation review with Mohamad Fardous—clear numbers, honest advice.

Who I Serve

I specialize in homeowners refinancing, self-employed loans, investor financing, and high-balance properties — smart, no-nonsense lending structured around real financial goals.

Homeowners Refinancing

Refinancing made simple — reduce your rate, shorten your term, or consolidate debt with clarity and a structured plan tailored to your situation.

Self-Employed Loans

Loan programs built around real cash flow, not just tax returns — designed to help entrepreneurs, consultants, and business owners qualify with confidence.

Investor Loans

Investor financing structured for scale — including DSCR and portfolio programs that support long-term growth and clear exit strategies.

High-Balance Properties

Strategic financing for luxury homes and high-value properties, with tailored structures and tax-conscious planning.

Licensed in 22+ States

As a licensed mortgage broker sponsored by West Capital Lending, I provide nationwide lending solutions backed by a disciplined process and access to 170+ lenders. I am licensed in ID, VA, MO, DE, PA, WA, MI, FL, ND, TX, IA, NE, ME, NH, AL, WY, AR, TN, WI, KS, OK, and SD. For all other states, I can connect you with a trusted loan professional within my network to ensure seamless service.

See What You Qualify For — In Minutes

Submit a quick request and I’ll review your goals, match you to the right programs, and map out clear next steps. No pressure — just strategy and options.

Most initial reviews are completed within one business day after your info is received.

Request Your Free Mortgage Strategy Review

Quick form. Clear options. Personalized lender matches.

No obligation. Secure & confidential.

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Information is used only to review mortgage options and provide lender matches. Your information is not sold. All loans are subject to underwriting approval and program availability.

Find the home financing you qualify for — from debt consolidation and home equity loans to investment loans. Get a fast, no‑obligation review and clear next steps.