Joshua Sinocruz - Mortgage & Real Estate Broker

05/14/2026

“No monthly payment” is the most expensive sentence in home equity right now.
You’re not borrowing against your equity — you’re selling a piece of your home’s future. A $100K check today can cost $300K+ when you sell or refi. A HELOC keeps the appreciation yours.
Comment HELOC and I’ll DM you the side-by-side.
refinance firsttimehomebuyer mortgagetips

05/08/2026

5.0 star review received on Experience.com for Joshua Sinocruz by Danny L - Josh and his team at West Capital worked swiftly and efficiently to do for us what at least twenty banks and mortgage companies (some of whom I’d worked with for 30 years) kept denying. They thought creatively and helped us restore our battered credit when most other groups just let their bots deny us. Call them today and let them help you.

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04/30/2026

Most investors stop at two rentals — not because they ran out of money, but because they ran out of “income” on paper.
There’s a loan that ignores your DTI and looks at the property instead. If the rent covers the payment, that’s the conversation.
Comment DSCR and I’ll send you how it works.
realestateinvestor mortgagetips nonqm
NMLS 1868298 | Equal Housing Opportunity

04/01/2026

5.0 star review received on Experience.com for Joshua Sinocruz by Roger V - I had an outstanding experience working with Joshua and Keri at West Capital Lending for my cash-out refinance. From the very beginning, Josh took the time to really understand my financial situation and strategically placed me in a program that not only met my immediate needs but also set me up for future improvement. I especially appreciate the forward-thinking plan to revisit my loan in six months and transition me into an even better program.
Keri was an absolute pleasure to work with—she was responsive, professional, and always quick to answer any questions I had. Both Josh and Keri kept me informed every step of the way, which made the entire process smooth and stress-free.
I highly recommend West Capital Lending to anyone looking for a knowledgeable, responsive, and trustworthy lending team. I will definitely be referring friends and family!

Click to see all 10 reviews of Joshua Sinocruz, Branch Manager

12/31/2025

5.0 star review received on Experience.com for Joshua Sinocruz by Violette F - We recently completed a refinance with Josh, and the experience could not have been better. He made the entire process seamless from start to finish, was consistently available whenever we had questions, and communicated clearly with us every step of the way. Josh’s professionalism, responsiveness, and attention to detail gave us complete confidence throughout the process. I cannot say enough good things about working with him and would highly recommend him to anyone considering a refinance or loan. I feel so fortunate that we found Josh. He will absolutely be our first call again in the future.

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09/23/2025

5.0 star review received on Experience.com for Joshua Sinocruz by Annette B - So I had to be the most skeptical client on the planet. Boy was I wrong. Josh made everything so easy for us! His communication skills are on point!! He explains everything so well. I trust him with all my finances know 100%, so much and he’s agreed to do another loan for us! I shopped around everywhere and he beat every ones rates and costs! He’s almost to go to be true!!! And I literally kept saying that! I have gotten many loans in my lifetime and I have never had such a good experience! Thank you Josh you are the only broker I will ever need in life!

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03/19/2025

5.0 star review received on Experience.com for Joshua Sinocruz by klaus G - After wasting over a month with a big bank only to be denied, we got applied for and received a HELOC all within about one week exactly. Josh was easy to talk to and work with.

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07/03/2024

5.0 star review received on Experience.com for Joshua Sinocruz by Rachel S - Josh was great to work with! He explained all my options clearly and listened to what I needed and what my must haves were. He consistently followed up with me, made sure I was comfortable the HELOC and checked in with me throughout the process to answer any questions and concerns. He exceeded expectations and treated me like family. I LOVED working with him and would work with him for any future loan needs. He is awesome!

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06/18/2024

5.0 star review received on Experience.com for Joshua Sinocruz by Deborah T - My name is Deborah. I recently had the pleasure of working with Josh for my Home Equity Line of Credit (HELOC) and had an excellent experience. Josh was professional, knowledgeable, and very patient. He didn’t push me to make a decision too quick which I really liked. He personalized the HELOC to fit my financial and personal needs. Josh made the process smooth and stress-free any question I had he answered. If I didn't quite understand something he put it in a way that I could. He made sure to get the best loan for me. I give him five plus stars as he deserves it. After my loan was approved he contacted me to tell me when to expect the funds. I appreciate all he did. Thank you Josh.

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06/11/2024

5.0 star review received on Experience.com for Joshua Sinocruz by Rachel W - I recently worked with Josh for my Home Equity Line of Credit (HELOC) and had an excellent experience. Josh was professional, knowledgeable, and always available to answer my questions. He personalized the HELOC to fit my financial goals and made the process smooth and stress-free. I highly recommend Josh for anyone considering a HELOC. Thank you, Josh, for your outstanding service!

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