The Pugel Team at West Capital Lending

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The Pugel Team at West Capital Lending Kyle Pugel, MLO - NMLS #: 384264
Kaycee Hoyt, LSA - NMLS #: 314691 Buying a home or refinancing should feel simple, not stressful. West Capital Lending, Inc.

I help people make smart mortgage decisions with a clear plan and no guesswork. Whether you are buying your first home, moving up, investing, or refinancing, the goal is to make the process smooth, fast, and easy to understand. Over the past decade, I have worked with a wide range of clients from first time buyers to experienced investors, helping them navigate everything from straightforward purchases to more complex situations like self employed income and multiple properties. What you can expect:
Clear communication from start to finish
Fast and efficient closings
Strategic guidance, not just rate quotes
Solutions for both simple and complex scenarios

I also work closely with real estate agents to help structure strong offers and keep deals on track in competitive markets. Areas of focus include:
Home purchase loans
Refinancing and cash out options
Jumbo and conventional financing
Self employed and 1099 income solutions
Investment property financing

At the end of the day, this is about helping you make a confident decision that puts you in a better position financially. If you are thinking about buying, refinancing, or just want to understand your options, send a message or reach out anytime. makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the information, products, services, or related graphics contained in/on this website for any purpose and will not be liable for any loss or damage (direct, indirect or consequential) arising from the use of the same. Any reliance you place on such information is strictly at your own risk. The thoughts, opinions and/or views expressed herein are the sole responsibility and product of their respective author(s).

10/12/2026

Want to boost your credit before buying a home?

Start here:
Get credit card utilization below 30% — ideally under 10%.

Consider becoming an authorized user on a well-established account with strong payment history.

Review your credit report and dispute any legitimate errors.

Don’t wait until you find the perfect home to check your credit. Start early and put yourself in a stronger position when it’s time to apply for a mortgage.

📩 DM Kyle to get started.

10/08/2026

Waiting for lower rates could cost you more than you think.

Right now, fewer qualified buyers can mean more negotiating power on:
• Purchase price
• Rate buydowns
• Closing costs
• Seller concessions

If rates drop significantly, more buyers may jump back in—and that could mean more competition and fewer deals.

The better question isn’t just, “What are rates?”

It’s: Does buying now make sense for your payment, lifestyle, and goals?

Want to see how to use today’s market to your advantage? Send us a message.

10/08/2026

Your mortgage is a financial tool. Your home equity is a financial asset. 🏡💰

The question is, are you using them to your advantage?

Whether it’s consolidating high-interest credit card debt, investing in real estate, funding home improvements, or creating more financial flexibility, your home equity could open doors you didn’t know existed.

It’s not always about paying off your mortgage as fast as possible. It’s about making smart financial decisions that help you reach your goals.

Don’t just own your home. Understand how to leverage it.

Looking to buy, sell, or refinance? Kyle Pugel and The Pugel Team at West Capital Lending can help you find the right solution.

When a Realtor trusts you with their clients, you don't take that lightly.Claudia has sent multiple clients our way, and...
10/05/2026

When a Realtor trusts you with their clients, you don't take that lightly.

Claudia has sent multiple clients our way, and every single time, the goal is the same: make her look great by taking care of her people.

Smooth communication. No surprises. A process that feels like it's handled by family, not a faceless company.

If you're an agent looking for a lending partner who treats your clients the way you would, let's connect.

📩 [email protected]
📞 (480) 268-3950
🌐 westcapitallending.com

Kyle Pugel | Branch Manager
NMLS 384264 | NMLS 1566096

10/05/2026

Veterans have access to one of the most powerful home financing benefits available.

If you’re buying a $600,000 home, a conventional first-time buyer putting 3% down could need about $18,000 upfront just for the down payment.

With eligible VA financing, that down payment could be $0.

And the benefits can go beyond the down payment:
• 0% down for eligible borrowers
• No monthly mortgage insurance
• VA funding fee can generally be financed into the loan
• Some eligible veterans may be exempt from the funding fee
• VA loans may offer competitive interest rates compared with conventional financing
That can mean thousands less upfront and potentially hundreds less in monthly costs.

If you’re a veteran thinking about buying a home and you’re not sure where to start with VA financing, send us a message.

We’ll help you understand what you qualify for and what your options look like.

Kyle Pugel at The Pugel Team with West Capital Lending, we help buyers create a strategy before they shop so they can move fast and confidently when the right opportunity comes along. Whether you’re a first-time homebuyer, move-up buyer, second-home buyer, or luxury client, we’re here to guide you every step of the way in Scottsdale, Phoenix, Payson, and across Arizona.

10/01/2026

Your home might be sitting on money you’re not using.

If you bought within the last five years, you may have built more equity than you realize.

And you don’t always have to sell your home to access it.

Homeowners may use equity to:
• Add a pool
• Replace a roof
• Upgrade an AC system
• Build a cash reserve
• Consolidate high-interest debt

Depending on your situation, a HELOC or cash-out refinance could be an option.

The important part is making sure it actually makes sense for your goals.

Want to know how much equity you may have available?

Send me a DM and we’ll run the numbers.



Kyle Pugel at The Pugel Team with West Capital Lending, we help buyers create a strategy before they shop so they can move fast and confidently when the right opportunity comes along. Whether you’re a first-time homebuyer, move-up buyer, second-home buyer, or luxury client, we’re here to guide you every step of the way in Scottsdale, Phoenix, Payson, and across Arizona.

09/29/2026

Buying a Phoenix home without a strategy could cost you.

The market has slowed down, and that can actually work in a buyer’s favor.

Homes are sitting longer, sellers are negotiating, and prepared buyers may have more leverage.

If I were buying today, I’d focus on three things:
1. Get fully underwritten so your offer is as strong as possible.
2. Look for homes in the 550K–850K range where there may be more opportunity.
3. Have a plan for locking your interest rate once you’re under contract.

Before you spend hours scrolling Zillow, figure out what you actually qualify for.

DM me and we’ll run the numbers.



Kyle Pugel at The Pugel Team with West Capital Lending, we help buyers create a strategy before they shop so they can move fast and confidently when the right opportunity comes along. Whether you’re a first-time homebuyer, move-up buyer, second-home buyer, or luxury client, we’re here to guide you every step of the way in Scottsdale, Phoenix, Payson, and across Arizona.

Kate came back for round two, and that means everything.When a client trusts you with one home, that's great. When they ...
09/28/2026

Kate came back for round two, and that means everything.

When a client trusts you with one home, that's great. When they come back for the next one, that tells you the experience actually mattered.

We try to make every interaction easy, responsive, and personal. And when life throws something unexpected your way (like losing a pet mid-process), we want you to know we care about more than just the loan.

Thinking about your next move? Let's talk.

📩 [email protected]
📞 (480) 268-3950
🌐 westcapitallending.com

Kyle Pugel | Branch Manager
NMLS 384264 | NMLS 1566096

09/26/2026

Higher rates don’t always mean a bad time to buy. Sometimes they mean better opportunities to negotiate.

We’re seeing sellers reduce prices, offer concessions, and get more creative to get deals done. For the right buyer, that can create opportunities that weren’t there when everyone was fighting over the same house.

Today we’re up in Pine, Arizona, checking out what’s happening in the Rim Country market.

Our first stop was with Coldwell Banker Bishop Realty in Pine, where jillalberts24 was working. We already have a deal going with her, and we just received a new contract from the buyer.

Next, we stopped by Don Junior Queen | Payson AZ Realtor listing at 6450 W Woodland Walk. Scott E Kissee was holding it open today, and it just so happens that we also have a contract with him that’s scheduled to close in the next couple of weeks. He was sitting this beautiful open house, so we had to stop in and take a look.

Our final stop was Pine Creek Resort , a tiny-home community with only 10 spots left. If you’ve been looking for a unique opportunity in the Rim Country, this is definitely worth checking out. 🌲🏡

Looking to buy, sell, or refinance?

Kyle Pugel with The Pugel Team at West Capital Lending, one of Arizona’s top Loan Officers. Whether you’re looking in Scottsdale, Payson, Pine, Strawberry, or anywhere else in Arizona where homes are sold, we can help you find the right financing solution.

Congratulations to David Goldberg for achieving this incredible milestone. Welcome to the Centurion Club!
09/25/2026

Congratulations to David Goldberg for achieving this incredible milestone. Welcome to the Centurion Club!

09/25/2026

Hear from one of our top Loan Officers, Jon Goldman, as he shares what one of our core values, “We Grow for Good,” means to him.

We’re committed to the belief that the more we grow, the more good we can do. Growing for good goes beyond charitable giving. It’s about communicating, showing up and being a support system for those who need it.
So, when we say we truly grow for good, we mean it.

Hear from one of our top Loan Officers, Jon Goldman, as he shares what one of our core values, “We Grow for Good,” means to him.
We’re committed to the belief that the more we grow, the more good we can do. Growing for good goes beyond charitable giving. It’s about communicating, showing up and being a support system for those who need it.
So, when we say we truly grow for good, we mean it.


09/25/2026

Need cash without selling your home? Your equity might be the answer. 🏠💰

We just funded a Home Equity Line of Credit in 5 days.

Homeowners are sitting on a lot of equity right now, and a HELOC can give you access to that money for:

🏠 A down payment or vacation home
💳 Consolidating high-interest debt
🚗 Purchasing a car
🔨 Home improvements
📈 Investing in your business

In this case, our client needed the money to grow their business. Five days later, funded.

Your home equity isn’t just a number on paper. It can be a financial tool.

PhoenixRealEstate ScottsdaleRealEstate MortgageBroker PugelTeam WestCapitalLending

Whether you are looking to buy, sell, or refinance? Kyle Pugel of The Pugel Team with West Capital Lending, Inc. can help you find the best solution.

09/24/2026

Hear from Aaron Wise on what makes Guaranteed Rate Affinity the best of the best. For him, the leadership team is unmatched, hands-down. They’re constantly pushing the envelope as far as trying to make every loan officer and the entire company better, quicker and more efficient. Curious what it’s really like to be part of the team? Hear it straight from Aaron and discover what sets Guaranteed Rate Affinity apart.

09/23/2026

If buying is on your radar, this week is less about waiting for one perfect headline and more about knowing what works now. Mortgage rates remain elevated heading into Wednesday’s Fed meeting, where the message could quickly change the tone. Ask a Loan Officer what today’s rates could mean for your payment and purchase plan.

09/22/2026

Hear from Matt Cope on why Guaranteed Rate Affinity is the perfect fit for him. With top-tier technology, dedicated production support and the resources to help our loan officers succeed, Matt has been able to grow his business while creating an incredible work-life balance. Curious what it’s really like to be part of the team? Hear it straight from Matt and discover what sets Guaranteed Rate Affinity apart.

Congratulations to Jennifer Muraco for achieving this incredible milestone. Welcome to the Centurion Club!
09/21/2026

Congratulations to Jennifer Muraco for achieving this incredible milestone. Welcome to the Centurion Club!

Every September, National Mortgage Professional Month recognizes the professionals who play a role in helping people fin...
09/21/2026

Every September, National Mortgage Professional Month recognizes the professionals who play a role in helping people finance the home of their dreams. This week we want to spotlight a few of our incredible Front-End Processors who have impacted their customers and helped them pursue homeownership.

Congratulations to Ryan Rosplock for achieving this incredible milestone. Welcome to the Centurion Club!
09/18/2026

Congratulations to Ryan Rosplock for achieving this incredible milestone. Welcome to the Centurion Club!

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7272 E Indian School Road, Ste 210
Scottsdale, AZ
85251

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