Joseph Garcia
I partner with clients to design tailored financial solutions that simplify complex decisions and support long-term goals. My mission is to ensure every client feels confident, informed, and valued throughout their financial journey.
Branch Manager with over 13 Years of Helping Clients Achieve Financial Success
Personalized Guidance
I listen closely to client needs and provide clear, actionable advice on mortgage products and financial tools.
Empowering Decisions
By breaking down options and highlighting benefits, I help clients make choices that align with their future.
Seamless Experience
I streamline processes to remove friction, ensuring every interaction is efficient and stress-free.
Ongoing Support
Beyond transactions, I build lasting relationships, offering continued guidance and proactive solutions as client needs evolve.
Why Clients Value Working with Me
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Confidence in navigating complex financial products
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A trusted partner who prioritizes their goals over sales quotas
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Consistent communication and transparency at every step
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Long-term commitment to their financial well-being
Client Testimonials
It's not just a loan. Secure your financial future with Joseph Garcia.
Turn complex decisions into confident next steps with tailored solutions designed for your long-term goals.
West Capital Lending 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.
Information accurate as of 9/1/2025. Not all programs are available in all areas. Not all borrowers will qualify for all programs. Program restrictions apply. Please contact West Capital Lending, 24 Executive Park, Suite 250 Irvine, CA 92614 to determine eligibility. 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 products. Approvals may be subject to appraisals and other documentation requirements. Interest rates, loan programs, available loan terms, and other information on this website are subject to change without notice. The Loan Origination team accepts applications in the following states only: AL, AR, AZ, CO, DC, FL, HI, IA, KS, MD, ME, MI, MN, MO, ND, NH, NM, OH, OR, PA, SD, TN, VA, WV.The information on this site is not intended for consumers of any other state to determine broker or loan origination eligibility please visit: NMLS Consumer Access.
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
Joseph Garcia NMLS #1037446
West Capital Lending, Inc. NMLS #1566096/Cal. DRE #02022356 24 Executive Park, Suite 250 Irvine, CA 92614