Gracia Lending. NMLS 88599

Gracia Lending. NMLS 88599 WCL is an Equal Housing Lender
NMLS # 88599
Company NMLS # 1566096

$1.8 million property. $400,000 HELOC. Closed in 12 days.This client needed access to their equity and we made it happen...
06/12/2026

$1.8 million property. $400,000 HELOC. Closed in 12 days.

This client needed access to their equity and we made it happen in under two weeks. No unnecessary delays, no surprises — just a clean, efficient process from start to finish.

A lot of homeowners sitting on this kind of equity don't realize how quickly and smoothly a HELOC can come together with the right team. Whether it's for a renovation, an investment, or just having liquidity available when you need it, your equity shouldn't just be sitting there doing nothing.

If you own a high-value property and have been thinking about tapping into your equity, let's talk. The process is simpler than you think.

Send me a DM or visit my website to get started.

https://thegraciateam.com/

This one means a lot.Getting turned away by multiple lenders is more common than people think, and it's one of the most ...
06/02/2026

This one means a lot.

Getting turned away by multiple lenders is more common than people think, and it's one of the most frustrating positions to be in — especially when you know the deal makes sense. Traditional lenders work within a box, and if your financial picture doesn't fit neatly inside it, they move on. We don't operate that way.

This client came to us after hitting wall after wall. Bank statement loans are designed for borrowers whose income doesn't show up the way conventional lenders want to see it — business owners, self-employed borrowers, entrepreneurs who run lean on paper but are doing just fine in reality. We look at the full picture, not just what's on a tax return.

Fast, efficient, and always available — that's the standard. Nobody should feel like their loan is an inconvenience, and nobody should be left wondering what's going on with their deal.
Grateful for the trust, grateful for the kind words, and already looking forward to the next one.

If you've been turned down elsewhere, don't stop there. Reach out and let's see what we can do.

Send me a DM or visit my website to get started.

https://thegraciateam.com/

Rates and program availability may vary based on the state or region in which the financed property is located. This is not a credit decision, an offer, or a commitment to lend. Program restrictions apply.

Weekend plans got canceled… so I guess I’m taking my talents to the office 🏦😅If you’re looking to tap into your equity, ...
04/30/2026

Weekend plans got canceled… so I guess I’m taking my talents to the office 🏦😅

If you’re looking to tap into your equity, pull cash out, refinance, or get pre-approved — I’m your guy this weekend. While everyone else is out spending money, I’ll be helping you access yours 💸

Shoot me a message… I’ll be here, living my best loan officer on duty life.

Zahami Gracia
Executive Branch Manager
West Capital Lending
📞 714-876-4929
📧 [email protected]
🌐 WestCapitalLending.com
NMLS #88599

Bless to have & by my side!
03/28/2026

Bless to have & by my side!

03/24/2026

🔥 ANOTHER DEAL SAVED 🔥

Just helped my client Nick close on his loan after being declined by another bank.

This was a 12-month bank statement loan — and like many self-employed borrowers, he was told “no” elsewhere.

👉 We stepped in
👉 Reviewed the file properly
👉 Structured it the right way
👉 Re-used his existing appraisal (no delays 👊)
👉 Closed the loan in under 12 days

💡 The difference? Experience and knowing how to structure these loans correctly.

Most lenders:
❌ Over-condition the file
❌ Don’t understand self-employed income
❌ Kill the deal

What a wonderful way to start the weekend 😎Thank you Taylor! Was a true pleasure working with you 🤝 🏡 👍👍👍 🌟🌟🌟🌟🌟
03/13/2026

What a wonderful way to start the weekend 😎

Thank you Taylor! Was a true pleasure working with you 🤝 🏡

👍👍👍 🌟🌟🌟🌟🌟

Consults came be pretty important when starting out on your home buying journey or refinancing as well. Set up a quick c...
03/11/2026

Consults came be pretty important when starting out on your home buying journey or refinancing as well.

Set up a quick call with me. I would be happy to assist 😁

03/09/2026

☀️

⭐️⭐️⭐️⭐️ ☺️👌
03/06/2026

⭐️⭐️⭐️⭐️ ☺️👌

We are committed to serving you 🫵🏽 The Gracia Team sticks with you every step of the way 😁🤝 🏠
03/04/2026

We are committed to serving you 🫵🏽

The Gracia Team sticks with you every step of the way 😁🤝 🏠

Address

Irvine, CA

Opening Hours

Monday 9am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm
Saturday 8am - 5pm

Telephone

+17148764929

Website

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