Brandon Millones - West Capital Lending

Brandon Millones - West Capital Lending Helping clients navigate the home financing process with clarity, confidence, and customized solutions.

Brandon Deleon Millones | West Capital Lending, Inc | NMLS # 2061325 | Branch NMLS # 1566096 | Equal Housing Lender

CLIENT SUCCESS! HELOC CLOSED! 🎉Another rental property. Another successful closing!Our client was able to close a HELOC ...
09/22/2026

CLIENT SUCCESS! HELOC CLOSED! 🎉

Another rental property. Another successful closing!
Our client was able to close a HELOC on his rental property held under an LLC in just 1 hour and 9 minutes! 🔑

Think your rental property or LLC ownership means you can’t access your equity? You may have more options than you realize.

Whether you’re looking to access equity for your next investment, consolidate debt, or improve cash flow, we can help you explore your options.

📲 DM me “HELOC” for a free, no-obligation quote!

09/18/2026

When clients tell us they wanted to wait for rates to go down, but they just keep going up 🥲

❓ Q&A THURSDAY❓Q: Can I qualify for a mortgage if my tax returns show very little income?A: Potentially, YES! 🙌This is o...
09/17/2026

❓ Q&A THURSDAY❓

Q: Can I qualify for a mortgage if my tax returns show very little income?

A: Potentially, YES! 🙌

This is one of the biggest problems I see with self-employed borrowers. You may have a successful business and strong cash flow, but after legitimate business deductions, your tax returns may show much less qualifying income than you actually bring in. Depending on the loan and borrower, we may be able to qualify using alternatives such as:

🏦 Bank Statements
📊 Profit & Loss Statements
🧾 1099 Income
🏠 Rental Property Cash Flow / DSCR

So if you've ever been told: “You don't show enough income on your tax returns.” That doesn't necessarily mean you can't qualify.

There may simply be a different loan program that better fits the way you earn your income. 📲 Call/Text: 949.246.6744


💰 WEALTH WEDNESDAY 💰 Do you know what happens when your mortgage loan interest-only period ends? 👀Some mortgage loans al...
09/09/2026

💰 WEALTH WEDNESDAY 💰

Do you know what happens when your mortgage loan interest-only period ends? 👀

Some mortgage loans allow you to make interest-only payments during the initial draw period. For a simple example, imagine you owe $200,000 on your 30 year term. Say it has an interest-only period of 7 years, that means you’re primarily paying the interest being charged, balance ISN’T moving. Once that period ends, you may have to start paying:

💰 Principal + Interest in a shortened amount of time! You now have 23 years to pay on what was supposed to be a term you term! That means your monthly payment could increase significantly, depending on your balance, rate, and remaining repayment term. And if your HELOC has an adjustable rate, your payment can potentially change even more as rates move.

You’re options can be to continue as is or refinance out of it. If you’d like to look into your options 📲 Call/Text: 949.246.6744

Another HELOC success story in the books! 🙌My client Chevelle M. was stuck with a $268,299 HELOC that came with:❌ 9.25% ...
09/07/2026

Another HELOC success story in the books! 🙌

My client Chevelle M. was stuck with a $268,299 HELOC that came with:

❌ 9.25% adjustable rate
❌ Interest-only payments for the first 7 years
❌ The uncertainty of a rate that could change

We were able to replace it with a much better setup:

✅ Lower FIXED rate
✅ NO interest-only payments
✅ More predictable monthly payments
✅ No worrying about the rate adjusting in the future


Sometimes the loan you got a few years ago isn't necessarily the loan you should keep today. If you currently have an adjustable-rate or interest-only HELOC, it may be worth seeing what other options are available. 📲 Call/Text 949.246.6744

❓Q&A THURSDAY❓🤔Can I buy a new home BEFORE selling my current home Potentially, YES! Depending on your situation, you ma...
09/03/2026

❓Q&A THURSDAY❓

🤔Can I buy a new home BEFORE selling my current home Potentially, YES! Depending on your situation, you may be able to:

🔑 Qualify while carrying both mortgage payments

🏠 Convert your current home into a rental and potentially use rental income to help qualify

💰 Use available assets or other strategies to help make the new purchase work

📄 Structure the purchase around the pending sale of your current home (Bridge Loan)


Every situation is different — your income, debts, equity, assets, and loan program can all play a role. Don’t automatically assume you have to sell first. There may be more options available than you think.

📲 Thinking about moving but still own your current home? Let’s look at the numbers BEFORE you put it on the market.

🏡 You’re almost at the closing table… don’t accidentally mess up your approval! 😬Once you’re approved for a mortgage, it...
09/03/2026

🏡 You’re almost at the closing table… don’t accidentally mess up your approval! 😬

Once you’re approved for a mortgage, it’s important to keep your finances as consistent as possible until you have the keys in your hand. 🚫 Avoid making big financial changes like 🚫


💳 Opening new credit cards — New inquiries and accounts can impact your credit score.

🛒 Making big purchases — Financing a car, furniture, appliances, etc. can increase your monthly debt and DTI.

🤝 Co-signing for someone else — Even if they’re making the payments, that debt may still count against you.

💼 Changing jobs — A change in employment or income could affect your loan qualification.

⚠️ Rule of thumb: Before making ANY major financial or employment change while buying a home, talk to your loan officer first.You’ve made it this far — don’t let one decision delay your closing! 📲 Questions about the mortgage process? I’m always happy to help.

❌ MYTH: “I should wait until interest rates drop before buying a home.”✅ FACT: A lower rate doesn’t always mean a better...
09/02/2026

❌ MYTH: “I should wait until interest rates drop before buying a home.”

✅ FACT: A lower rate doesn’t always mean a better time to buy.


When rates drop, more buyers may jump back into the market — which can mean:

🏠 More competition
💰 Higher home prices
🔥 More multiple-offer situations
🤝 Less negotiating power

Sometimes buying when there’s LESS competition can actually put you in a stronger position. And remember- you may be able to refinance later if rates drop! The best time to buy isn’t based on rates alone — it’s when the numbers make sense for YOU.

📲 Have questions about what you could qualify for? Let’s run the numbers.

08/29/2026

Approaching months end, on a very slow month 🐢

❓Q&A THURSDAY❓What happens if the appraisal comes in lower than the purchase price?Let’s say you agree to buy a home for...
08/28/2026

❓Q&A THURSDAY❓

What happens if the appraisal comes in lower than the purchase price?

Let’s say you agree to buy a home for $600,000, but the appraisal comes back at $575,000. The lender generally bases the loan on the lower of the purchase price or appraised value — so that $25,000 difference can affect how much you're able to borrow.

A low appraisal DOESN’T automatically mean the deal is dead. 👇You may have a few options:

🏷️ Renegotiate the price
The seller may agree to lower the purchase price closer to the appraised value.

💰 Cover the appraisal gap
If you have the funds, you may be able to pay the difference between the appraised value and purchase price.

📋 Challenge the appraisal
If there are legitimate issues or better comparable sales that weren't considered, your lender may be able to request a reconsideration of value.

🔄 Restructure the loan
In some cases, we may be able to adjust the loan structure or down payment to help keep the purchase moving forward.


BOTTOM LINE:
A low appraisal can create a hurdle, but it doesn't necessarily mean you have to walk away from the home. That’s where having a knowledgeable loan officer AND real estate agent working together can make a huge difference. 🏡🔑




Address

17911 Von Karman Avenue Suite 400
Irvine, CA
92614

Telephone

+19492466744

Website

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