Compare the structure
A revolving line and a lump-sum loan work differently. Compare access to funds, rate structure, and repayment.
Ian Humphrey · NMLS #2224042
Home financing for your next move.
Buying a home, refinancing, or exploring your equity? I’ll help you compare loan options, understand the costs, and choose your next step.
5.0 from 70 reviews on Google
Submitting a contact request does not check credit, generate a lender offer, or commit you to a loan.
Who you’re working with
I'm Ian Humphrey, Vice President at West Capital Lending. I'll help you compare financing structures and understand the costs and trade-offs before you decide what to do next. Licensed in 27 states.
Let's talk about your goal.
Start a conversationStart with what you want to do.
Buy your next home
Talk through your budget, financing options, and what to prepare before making an offer.
Rethink your mortgage
Compare the costs and trade-offs before deciding whether a refinance makes sense.
Use your home’s equity
Explore a HELOC, home equity loan, or cash-out refinance based on your goal and existing mortgage.
Home equity, with a clear next step
Keep your first mortgage. Explore a separate loan or line.
Home improvements, debt payoff, or another goal? A HELOC or home equity loan may let you borrow against your equity while keeping your existing first mortgage. Let's compare the full picture.
Understand the total cost
Review fees and payments alongside your current mortgage. A smaller monthly payment can still mean more interest over time.
Choose with context
Your equity, income, existing liens, credit, and property help determine which options may fit.
Your home secures the new obligation and could be at risk if you do not repay. This is an invitation to discuss financing, not an approval or commitment to lend.
Loan programs
More than one way forward.
From buying your first home to using your equity, compare conventional, FHA, VA, jumbo, investor and specialty financing.
Explore loan programsHere’s what happens after you reach out.
Share the goal
Tell Ian what you want to accomplish and how to reach you. Start with estimates if you do not have exact figures.
Talk through the options
Discuss your purchase plans or current mortgage, compare loan options and costs, and understand what information is needed.
Apply when you are ready
If you decide to proceed, complete a secure application. A lender must review the full file before approval.
Planning tools
Try your numbers.
Explore monthly payments, home equity, refinance break-even and extra payments on our dedicated calculators page.
Open the calculatorsPlanning estimates only. No loan offer or credit check.
See what clients say.
Get to know Ian through independent client feedback.
Questions before you get started?
Find plain-language answers about applying, home equity and comparing mortgage options.
Let’s talk about your next move.
Call, text or email, whichever is easiest. If you would rather start in writing, the form takes two minutes and comes straight to me.
Please don't send Social Security numbers or account numbers by email or through this form; I'll send a secure way to share documents.
- Phone
- (949) 239-1433
- Company
- West Capital Lending
17911 Von Karman Ave Suite 400, Irvine, CA 92614 - Licensing
- NMLS #2224042 · West Capital Lending · Licenses
