Disclosures

Company & Loan Originator

Equal Credit Opportunity

West Capital Lending, Inc. 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.

State Licensing

Jerry Garcia is licensed as a mortgage loan originator in the states listed below. The information on this site is not intended for consumers of any other state.

• Alabama (AL)

  License #994639

• Arizona (AZ)

  License #LO-2016635

  This advertisement has been approved by West Capital Lending, Inc..

  • On any AZ rate/program ad, display WCL's AZ state license # (TBD - request from WCL compliance)
  • Retain ad samples for 2 years per AZ recordkeeping rule

• Colorado (CO)

  License #100041939

  Regulated by the Colorado Division of Real Estate.

• Florida (FL)

  License #LO147757

  • Florida prohibits advertising 'unqualified access to credit' — any qualification statements must disclose material limitations (down payment, equity requirements, FHA financial assessment, age, occupancy)
  • Florida prohibits advertising loan programs unless WCL can make the program available to a reasonable number of qualified applicants
  • If interest rates are mentioned, must disclose rate may change or not be available at commitment/closing

• Michigan (MI)

  License #994639

• New Mexico (NM)

  License #994639

  • NM prohibits advertising mortgage loans unless lender/broker can make them available to a reasonable number of qualified applicants

• Virginia (VA)

  License #MLO-46400VA

  • NMLS must be formatted: NMLS ID # 1566096 (www.nmlsconsumeraccess.org)
  • Rate mentions require 'rate may change or become unavailable' disclosure
  • Refinance savings claims require disclosure that total finance charges may be higher over life of loan

• Washington (WA)

  License #MLO-994639

  • WA prohibits use of superlatives like 'lowest' or 'best' in any advertising
  • WA requires WCL's licensed name 'West Capital Lending, Inc.', WCL's NMLS ID, LO's NMLS ID, and link to NMLS Consumer Access on all web pages
  • WA prohibits advertising specific interest rates unless that rate is actually available at the time of advertisement
  • WA requires APR disclosure with any interest rate advertisement per TILA Reg Z

Not a Commitment to Lend

This is not an offer or extension of credit or a commitment to lend. All loan programs are subject to the specific lender's underwriting guidelines and available loan terms. Approvals may be subject to appraisals and other documentation requirements.

Government Agency Disclaimer

This material has not been reviewed, approved, or issued by HUD, FHA, or any government agency. West Capital Lending, Inc. is not affiliated with, acting on behalf of, or endorsed by HUD, FHA, or any other government agency.

Verify Licensure

You may verify Jerry Garcia's and West Capital Lending, Inc.'s licensing status at NMLS Consumer Access:

Texas Complaint Notice

Privacy

West Capital Lending, Inc. and Jerry Garcia respect the privacy of personal information collected through this website and in the course of evaluating loan applications. Information you provide is used only to evaluate your inquiry, communicate with you, and process any loan you may apply for. We do not sell personal information.

For the complete privacy policy, see our Privacy Policy.

Questions

For questions about this disclosure or to schedule a consultation, contact Jerry Garcia at (303) 217-1896 or jerry@jerryknowsloans.com.