Disclosures, and how the examples work

How to read the examples

• Every example is hypothetical. It is not a quote, an advertised offer, a Figure offer, or a customer result. Rates, terms, fees, and existing payments are chosen assumptions so the arithmetic is visible.
• The same accounting is used everywhere: gross loan, fees and costs deducted, debts paid at closing, cash delivered, then the compared monthly payments before and after. An origination fee is a cost, not spendable cash.
• Your existing first-mortgage payment is shown separately from any new loan payment. Keeping your first-mortgage rate never means the new money comes at that rate.
• A note rate is not an APR. Home equity line examples use the note rate and origination fee from one cell of West Capital Lending’s pricing grid (dated on each page) for one borrower profile; other loans in an example use labeled assumptions. Wherever an example states a note rate, it also states the APR that rate produces together with the example’s origination fee, computed by the actuarial method and shown to three decimals. Those APRs are illustrations of the arithmetic, not offers. They exclude third-party closing costs, and for a variable-rate plan the maximum rate is set by the plan, which no example here models.
• Payments are computed for fixed, fully amortizing principal-and-interest loans. Interest-only and variable-rate structures are described in words where relevant, not modeled as if they were fixed.
• A lower monthly payment does not establish a lower total cost. Terms differ. Replacing unsecured debt with debt secured by your home changes the risk.
• Taxes, insurance, and HOA charges are not modeled. Other closing costs reduce cash unless separately paid or financed.

Product facts and their sources

Where a page describes a real product feature, the claim, its conditions, its source, and the date it was checked are listed on that page. Public product descriptions are not the same as a specific offer available through Zach; offers depend on the borrower, the property, the state, and the lender’s current guidelines.

Nothing on this site promises approval, the lowest or best rate, guaranteed savings, a specific funding time, universal digital processing, no appraisal in every case, or zero closing costs.

Identity and licensing

• Zach, NMLS: 1652805
• Zach, California DRE: 02179302
• West Capital Lending, NMLS: 1566096
• West Capital Lending, California DRE: 02022356

Legal display name: Zach von der Linden, Mortgage Broker, West Capital Lending, Inc.. Service area: California, Utah, Oregon, Arizona.

West Capital Lending, Inc. NMLS# 1566096. DRE# 02022356. For complete license information, visit West Capital Lending’s licensing page. Licensing page.

West Capital Lending is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

Office: 17911 Von Karman Ave, Suite 400, Irvine, CA 92614.

Reviews

Ratings and review counts shown on this site come from the Experience.com profile, as observed on 2026-09-10. They are dated observations, rechecked within 14 days of any publication, and never presented as a live feed. They are not Google reviews. General service reviews do not prove a result for a particular scenario or point to a particular lender.

See also the privacy notice.