Purchase & Refinance, smarter.Clear mortgage guidance from application through closing.
Most people spend weeks chasing their lender. At WestFi, your loan officer picks up the phone. Wholesale lending access, real humans, one licensed point of contact from application to closing.
- As little as 3% down
- Primary, second & investment homes
- Beyond conforming loan limits
- Purchase & refinance options
- As little as 3.5% down
- Flexible credit guidelines
- Up to 100% financing
- No monthly mortgage insurance
- Bank statements or P&L
- DSCR for rental properties
- No tax returns required
- No income documentation required
- Zero-down options
- No-PMI options
- Access your home equity
- No required monthly P&I
- Unlock your home equity
- Keep your first mortgage
- Short-term property financing
- Bridge your next purchase
What's my home worth?
Get an instant estimated value, ownership record, and property tax history pulled live from public records, plus side-by-side Zillow® and Realtor.com® estimates.
Check my home value
A more intelligent way to finance a home.
We work with a large network of wholesale lenders to deliver competitive options matched to your documented scenario, not a single institution's menu.
*Closing timelines vary by transaction.
Traditional Lenders
Lender choice
We shop your loan across our wholesale network.
You contact each lender separately to compare offers.
Loan structure
We help you weigh less cash at closing against a lower monthly payment.
You choose from that lender’s available programs and pricing.
Speed
We identify what your file needs upfront and look for a lender that can work with your timeline.
Your timeline depends on that lender’s processing and underwriting schedule.
Personal service
You know who to call when a question comes up.
Your point of contact may change as your loan moves through departments.
Built around the borrower, not the bank.
We built WestFi to give clients access to multiple participating lenders, a consistent point of contact and a process tailored to the documented borrower, property and transaction.
How we workCoordinated, not rushed
We compare available participating-lender options for your scenario and coordinate toward the agreed closing timeline. Timing and final terms depend on underwriting, appraisal, title, property and lender requirements.
One Person, end to end
The licensed mortgage professional who quotes you is the same person you speak to through funding.
Wholesale pricing
We compare available participating-lender options for your scenario.
Clear disclosures
Your Loan Estimate provides an early estimate of loan terms and closing costs. Permitted changes may occur and will be reflected in any revised disclosures and the Closing Disclosure.
Your dedicated loan officer.
At WestFi, one experienced licensed mortgage professional works with you from first call to closing. No handoffs. No call center. Just someone who knows your loan and picks up when you call.
We show our work.
Every loan is handled by a licensed mortgage loan originator. Estimated loan terms and costs are provided in the Loan Estimate after application. Final amounts may change for permitted reasons. Every rate lock is confirmed in writing with the date, time, and program terms so you always know what you were quoted.
- Starting a conversationStarting a conversation does not require a credit inquiry. A credit inquiry may be required later for prequalification, underwriting, or approval.
- Rate lock confirmed in writingDate, time, and program terms documented
- Coordinated closing timelineTiming depends on underwriting, appraisal, title and lender requirements.
- Equal Housing OpportunityNMLS #2890320 | DRE #02443798
Fifteen minutes to a smarter mortgage.
Book a 15-minute call with a licensed mortgage professional. No credit pull. No pressure.
A large network of wholesale lenders. We do the shopping.