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By partnering with Rocket Pro, West Capital can both \u201ccommunicate to the client in their preferred channel and do so while completing the transaction faster than normal,\u201d added Iskander. Their average closing time is under 25 days.<\/p>\nThe housing market is still tight, which means potential home buyers and current homeowners can\u2019t afford to lose time with any missteps. What\u2019s one part of the process that can make or break a deal, especially in a seller\u2019s market, but that\u2019s entirely within a borrower\u2019s control? Choosing the right lender for their mortgage.<\/p>\n
Here\u2019s a look at how one local firm, which happens to be the nation\u2019s fastest-growing mortgage broker, is setting itself apart from other lenders.<\/p>\n
According to Eric Hines, co-founder of West Capital Lending, in today\u2019s market, lenders need to offer a few non-negotiables.<\/p>\n
\u201cFast closing times, stellar communication, multiple lenders and programs available and great pricing,\u201d he said. Without those, a buyer will likely not get that dream home they\u2019re eyeing.<\/p>\n
For Hines and his co-founder, Daniel Iskander, the clients always come first \u2013 and that philosophy is what allowed them to grow from a combined team of about 60 loan officers to over 180 in a little over six months. In less than a year, while dealing with all the curveballs of the market and the pandemic, they firmly established West Capital Lending as the number one broker partner of Rocket Pro, the country\u2019s largest residential mortgage lender. What does that mean for their clients?<\/p>\n
\u201cA dedicated team of underwriters and support staff, along with the best pricing and service equals an exceptional client experience,\u201d said Hines.<\/p>\n
By partnering with Rocket Pro, West Capital can both \u201ccommunicate to the client in their preferred channel and do so while completing the transaction faster than normal,\u201d added Iskander. Their average closing time is under 25 days.<\/p>\n
That speed and agility happens despite the industry\u2019s countless challenges: working through forbearance guidelines, unforeseen FHFA fees for refinancing borrowers, appraisals that take up to eight weeks for delivery or cost as much as $2,700. While West Capital can\u2019t make the market loosen up, they can offer clients both direct lending and access to over 40 lenders where necessary, said Iskander. That means they\u2019re well-equipped for any curveball.<\/p>\n
Hines said they can also go far beyond conventional mortgages, with products as diverse as low down payment options with little or no private mortgage insurance, jumbo loans, no-cost programs and even programs for people with no income or who are self-employed. They offer FHA and VA loans, hard-money loans, reverse mortgages, down payment assistance programs, rental income loans for investors \u2013 and the list goes on.<\/p>\n
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Couple those options with a team of experienced loan officers, and West Capital can help clients navigate the constant changes in the industry due to the pandemic. They don\u2019t just say \u201cno.\u201d<\/p>\n
\u201cIf you don\u2019t have somebody who knows that these changes are coming, you might have somebody that just tells you \u2018no,\u2019 when you could be very well-qualified or when you\u2019re looking to go through the process without the risk of the virus,\u201d said Iskander.<\/p>\n
That flexibility and support extends to their team as well.<\/p>\n
\u201cI was looking for a platform that would support my growing mortgage origination business,\u201d said Shawn Wyns, Vice President at West Capital. \u201cI was looking for a company that was flexible with my needs and those of my division, who constantly supports high performing teams. West Capital Lending is providing all those things.\u201d<\/p>\n
And, Wyns added, \u201cI feel appreciated and supported here. I know my business will continue to thrive for years to come \u2013 all while having a healthy work-life balance.\u201d<\/p>\n
That matters to Hines and Iskander. They founded West Capital because they take the American Dream of homeownership seriously \u2013 and want clients and the team to enjoy that dream.<\/p>\n