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    Text Moe 949-569-7945
    170+
    West Capital Lending · Independent Broker

    Bring me your
    best offer.I'll match it — or beat it.

    I don't work for a bank. I don't have a product quota. I have 170+ lenders and zero loyalty to any of them. My only job is to get you the best deal that exists.

    Got a rate from your bank, credit union, or another broker? Submit it. I'll go to work. And if I can't beat it — I'll tell you straight, and you'll walk away knowing you got the best deal available.

    170+Lenders at disposal
    10+Years in the game
    22+States licensed
    5.0 on Zillow
    BBBA+
    Rating
    Equal Housing
    Lender
    Rate Match Challenge
    Tell me what you've been offered.
    I'll do the rest.
    $
    %
    Click to upload PDF or image

    🔒 No credit pull. No obligation. I'll review and get back to you within 24 hours.

    NMLS #1448893·
    170+ Lenders·
    DRE #02022356·
    Licensed in 22+ States·
    West Capital Lending·
    No Overhead · No Loyalty to Any Lender·
    Rate Match Guarantee·
    Independent Broker·
    NMLS #1448893·
    170+ Lenders·
    DRE #02022356·
    Licensed in 22+ States·
    West Capital Lending·
    No Overhead · No Loyalty to Any Lender·
    Rate Match Guarantee·
    Independent Broker·
    The Process

    Simple.
    Like it should be.

    No games. No wasted time. You submit your offer, I go to work, and I come back to you with a straight answer — usually within 24 hours.

    01
    Submit your offer

    Tell me what loan type you're looking at, the rate you were quoted, and who quoted it. No credit pull at this stage — just information. Takes about 2 minutes.

    02
    I shop 170+ lenders

    I take your scenario to the lenders who specialize in exactly your loan type. No favoritism. No product quotas. I'm looking for the best deal that exists, period.

    03
    You get a straight answer

    I come back with either a better offer or an honest explanation of why I can't beat it. Either way you'll know exactly where you stand — and what your real options are.

    The Structural Advantage

    Banks have one product.
    I have 170.

    When your bank gives you a rate, they're showing you the best deal they offer. That's not the same as the best deal that exists. As an independent broker backed by West Capital Lending, I have no loyalty to any single lender — which means my only loyalty is to you.

    Your Bank or Big Lender
    One product, one rate sheet
    Overhead baked into your rate
    Loyal to their shareholders
    Originator earns more if you pay more
    Take it or leave it
    Me — Independent Broker
    170+ lenders, no favorites
    No overhead to cover
    Loyal only to you
    Earn your business by winning it
    I'll cut deals to close deals
    What This Means for You
    ⚡
    Lower rates through real competition
    I pit 170+ lenders against each other for your business. Competition drives rates down. A bank can't do that — they're competing against themselves.
    🎯
    Matched to the right lender for your situation
    Self-employed? DSCR investor? High-balance property? There are lenders who specialize in exactly your scenario and price it accordingly. Your bank doesn't have those options.
    🤝
    I earn your business by winning it
    My income comes from closing your loan — not from upselling you a rate. If I can't beat your offer, I don't close. That's the right incentive structure.
    📋
    Full transparency throughout
    You'll see the loan estimates, know what I'm earning, and understand exactly what you're agreeing to. No last-minute surprises at the closing table.
    🚀
    Backed by West Capital Lending's infrastructure
    The reach of a national lender with the responsiveness of an independent advisor. 22+ states, a 170+ lender network, and a team that moves fast.
    What You Can Count On

    I'm not here to waste
    your time — or mine.

    This isn't a bait-and-switch. I'm not going to promise you a rate and deliver something different. I've built my practice on referrals, and referrals come from people who got exactly what they were told they'd get.

    If I take your scenario and can't beat your current offer, I'll tell you in plain language — what the market is showing, why the other offer is competitive, and what your options are going forward. You'll leave that conversation better informed than you came in, regardless of what you decide.

    What I commit to
    Response within 24 hours — usually same day
    No credit pull until you're ready to proceed
    A real loan estimate — not a teaser rate
    Full fee transparency before you commit to anything
    Direct access to me — not a call center
    An honest answer if I can't beat your offer
    The honest part
    There are scenarios where another lender genuinely has the best deal and I can't beat it. If that's the case, I'll tell you — and I'll explain exactly why. You'll still walk away knowing you did your homework. That's worth something too.
    The Results

    Don't just take my word for it.

    "My bank offered me 6.875%. Mohamad got it down to 6.25% with lower fees. The process was completely transparent and faster than my own bank."

    Sarah T.
    Conventional Purchase · Matched & Beaten

    "I was already in escrow and thought I had the best deal. Submitted it here just to check, and he beat it by a full half percent. Saved my family thousands."

    Michael R.
    Jumbo Loan · Matched & Beaten

    "No games, no pressure. He reviewed my offer, told me it was actually a great deal, and didn't try to bait-and-switch me. Honesty is rare in this industry."

    David L.
    Refinance · Honest Review
    Questions

    The ones everyone
    actually asks.

    No cost, no obligation, no credit pull. Submitting your offer takes 2 minutes and costs you nothing. I only earn if I close your loan — and that only happens if you choose to work with me after seeing what I can offer.
    No. At the review stage I'm working with the information you provide — loan amount, quoted rate, loan type. I don't pull your credit until you've reviewed my offer, decided you want to proceed, and given me explicit authorization to do so.
    Submit it anyway. Depending on how far along you are and what your current lock situation looks like, there may still be options. Even if we can't act on this transaction, knowing your real options for the next one has value.
    I earn a lender-paid origination fee when your loan closes — disclosed on your loan estimate, same as any other mortgage originator. The difference is I have access to 170+ lenders and no overhead, which means I have more room to move on pricing than a bank or a high-overhead lender does. I'd rather earn less per deal and close more of them.
    Conventional, FHA, VA, Jumbo, DSCR investor loans, bank statement / self-employed programs, HELOC, cash-out refinance, bridge loans, and more. If you're not sure whether your scenario qualifies, submit it anyway — the worst I can say is it's outside what I can do.
    Currently 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 — 22+ states and growing. If you're not on this list, reach out anyway — licensing expands regularly.
    Standard response is within 24 hours. For straightforward scenarios — conventional, FHA, VA purchase or refinance — I can typically have a competing loan estimate in your hands same day. Complex scenarios (DSCR, jumbo, self-employed) may take an extra business day to shop properly.
    Ready to find out?

    What's your rate?
    Let's beat it.

    Takes 2 minutes. No credit pull. No obligation. Just a straight answer from someone who has 170 lenders and no reason to hold back.

    Submit Your Offer →Call 949-569-7945