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We Protect Your Best Interest
Fiduciary Responsibility is a legal and ethical obligation of one party to act in the best interest of another party. This relationship is built on trust and confidence, and the fiduciary must prioritize the beneficiary's interests above their own. The fiduciary responsibility of an employee of a company is to their employer.
Our fiduciary responsibility is to our clients.
Checkout our Vision and Mission.
I Protect Your Best Interest
Fiduciary Responsibility is a legal and ethical obligation of one party to act in the best interest of another party. This relationship is built on trust and confidence, and the fiduciary must prioritize the beneficiary's interests above their own. The fiduciary responsibility of an employee of a company is to their employer.
My fiduciary responsibility is to my clients.
We’re Committed to Provide Best Insurance Service
"Your interest is my priority. I'm the loan officer who responds within 2 hours, finds solutions for challenging deals, and keeps you informed every step of the way. You're not just a client, you're a partner. As a partner I will provide you an exceptional service you deserve while protecting your interests."
One of the most significant issues facing people today is financial security. Without it, many individuals and families are finding themselves living paycheck to paycheck. I believe that a home financed in alignment with what is important to the buyer, is one of the most secure and straightforward avenues for long-term financial security.
I sincerely care
I have been blessed with a helper’s heart. I’ve chosen to focus on mortgages because I believe that it addresses two fundamental human needs (1) financial security (2) shelter security. Only when we are able to secure our finances and have a place to call home can we truly begin to work on becoming our best selves and contributing positively to society.
Competitive Loan rates & Fees
West Capital Lending is distinguished as (1) the #1 National Broker Partner of Rocket Mortgage (2) ranks second nationwide in brokered funded loans, and (3) has partnership with over 200 investors. We can secure the most favorable rates and terms for your unique circumstances and requirements.
Transparency
I provide clear transparency when comparing rates and terms from various lenders, ensuring you understand all your options.
Post Closing support
I am here as a resource for you. Feel free to connect with me whenever you need anything on my end and I’ll also make a point to check in periodically to ensure everything is going smoothly for you.
Loan Program Options
With access to over 200 investors, I can assist with a wide range of mortgage options, including conventional loans, government loans, loans for the self-employed, investor loans, as well as both qualified and non-qualified mortgages.
Expertise
I began my career as an investor in this field and have accumulated over 20 years of experience in both real estate and home financing.
Patrick Aguiluz
Mortgage Lender & Educator
20+
YEARS OF EXPERIENCE
Patrick Aguiluz
Mortgage Lender & Educator
Brokers vs Retail/Traditional Banks
Dear Borrower,
Here is what I want you to know as you consider working with us:
A Commitment to Your Success: we measure our success by yours. Your financial well-being and satisfaction are our highest priorities.
Education and Empowerment: Buying or refinancing a home can be complex. We provide education and personal consultations to empower you with knowledge, helping you make informed decisions.
Dedication Beyond Closing: Our relationship does not end at closing. We’re here for post-closing support, whether it’s managing your mortgage or exploring future refinancing opportunities.
Remember, choosing a lender is about finding a partner for your home financing journey. We’re here to make that journey as smooth and beneficial as possible. Let’s get started on finding your perfect mortgage solution!
Sincerely,
Patrick Aguiluz
Mortgage Lender & Educator
NMLS #2310779 DRE #01855572
West Capital Lending, Inc.
Employer vs Employee
When you go with a traditional bank or a retailer, you are choosing to work with an employee of a company. The fiduciary responsibility of that employee is to their employer, not you the client.
Rate Shopping
Banks and retailer lenders are limited to the loan products within their portfolio. Mortgage Brokers work with a network of lenders and investors, allowing them to shop around for the best rates and terms tailored for your specific financial situation.
Transparency
When working with traditional banks and retailer lenders, it is assumed that the consumer knows what they are getting into. Consequently, consumers often find themselves in the dark regarding the complexities of fees and interest rates, essentially accepting whatever is presented to them without much guidance and understanding.
Fees and Costs
Traditional banks and retailer lenders carry more overhead costs than mortgage brokers, which is offset by charging borrowers higher rates and fees.
Supporting a Dream
When working with mortgage brokers, you are supporting another person’s dream.
Join Our Trusted Network. Be a Real Estate Partner!
Merely working with others simply isn’t fulfilling enough for me. In fact, I find that to be a waste of time as these connections are often superficial and fleeting. That’s why I am extremely selective in my collaborations, seeking out partnerships instead. Partnerships are about more than just working; they’re about growing together as professionals, as individuals and as human beings.
By becoming a partner, you join an exclusive circle of professionals who genuinely care for one another's well-being and are united by a dedication to exceptional service and client care.
Qualified Client Referrals
We maintain a steady flow of pre-qualified clients seeking various real estate services. Our robust referral system ensures that partners receive leads that match their expertise and service areas.
Reciprocal Relationship
Coaching (1) Customized Strategic Planning based on your strengths and unique goals (2) Exclusive Resources and Tools (3) Personal Development for Peak Performances (4) Confidential Advisory Services (5) Tailored Accountability Systems
Professional Reputation
By associating with our brand, you align yourself with a mortgage professional known for integrity, exceptional service, and putting clients first – values that resonate with today's discerning customers.
We're looking to partner with:
Real Estate Agents, Title Companies, General Contracting, Plumbing Services, HVAC Services, Home Inspection Services, Property Management, Home Insurance
BRAND
BRAND
COMPANY
CUSTOMER CARE
LEGAL & LICENSE
Patrick Aguiluz
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