Zach von der LindenZach von der LindenMortgage broker, West Capital Lending
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Mortgage broker · San Clemente

One broker.
More lenders.
Straight answers.

I'm a broker, so I have access to wholesale pricing, not just one bank's answer. Own a home and want cash from it? Start with your HELOC options. Buying one? Start with a pre-approval letter. Questions first? Text me.

Text ZachCall ZachGet my pre-approval letter

Qualified buyers with complete information download their letter online in minutes. If your situation needs a closer look, I usually reply within an hour during business hours, or first thing the next business morning. Subject to review and verification; not a final loan approval.

Looking for home equity? Check my HELOC options

  • 10+years in mortgages
  • 5.0rating
  • 66reviews on Experience.com, read on 2026-09-24
  • Works with homeowners in California, Utah, Oregon and Arizona
Zach von der Linden, mortgage broker, smiling in a navy blazer and white shirt, with palm trees and the coastline behind him
Zach von der LindenBranch Manager, West Capital Lending

What are you trying to solve?

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I moved to San Clemente when I was 5 and grew up here, and I want to be the mortgage guy people here call first. I still live here, and I love everything about this city: the beach, the active lifestyle, the families, the friends you make, the small-town feel.

San Clemente is my home, and I love everything it has to offer. It’s pretty darn hard to beat!

Zach von der Linden taking a selfie with a woman above a beach and pier at sunset, with palm trees behind them

Why work with me as your mortgage broker?

The advantage I bring starts before your file reaches an underwriter. I get to know your situation, review your income and property, and work through which available loan programs fit what you need to accomplish.

I'm Zach von der Linden, a mortgage broker with West Capital Lending. I work with multiple wholesale lenders, giving me different programs and requirements to consider when putting your financing together. I handle the lender and program selection, explain the structure I recommend, and walk you through the costs and trade-offs.

For a homeowner, that may mean deciding whether to replace the current mortgage or borrow separately. For a buyer, it means reviewing the financing requirements and closing timeline early.

You work directly with me throughout the process. I'm your main point of contact, I work weekends, and I keep you updated on what's needed and what happens next. My goal is for you to understand the recommendation and know where things stand at every step.

Text me what you're trying to accomplish. I'll help you figure out where to start.

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See how a broker compares to a bank

Recently funded

Loans Zach closed in the last twelve months, across four states. City, rounded amount and loan type only; no names, no addresses.

First mortgage

Lake Oswego, OR

February 2026

$960,000 funded

Home equity line, second lien

National City, CA

March 2026

$220,000 funded

First mortgage

Murrieta, CA

February 2026

$835,000 funded

Home equity line, second lien

Midway, UT

September 2026

$215,000 funded

First mortgage

Pomona, CA

August 2026

$765,000 funded

Home equity line, second lien

Calabasas, CA

September 2026

$175,000 funded

View all funded loans

Home equity line, third lien

Hesperia, CA

September 2026

$115,000 funded

Home equity line, second lien

Glendale, CA

August 2026

$125,000 funded

Home equity line, second lien

Chula Vista, CA

August 2026

$125,000 funded

Home equity line, second lien

Santa Cruz, CA

August 2026

$150,000 funded

Home equity line, second lien

Salina, UT

June 2026

$25,000 funded

Home equity line, second lien

Ladera Ranch, CA

June 2026

$165,000 funded

First mortgage

Fresno, CA

June 2026

$495,000 funded

Home equity line, second lien

Sedona, AZ

June 2026

$70,000 funded

First mortgage

Salem, OR

June 2026

$530,000 funded

Home equity line, second lien

Fullerton, CA

May 2026

$105,000 funded

First mortgage

Manton, CA

May 2026

$590,000 funded

Home equity line, second lien

Elk Grove, CA

March 2026

$90,000 funded

Home equity line, second lien

Hillsboro, OR

March 2026

$125,000 funded

First mortgage

St George, UT

February 2026

$125,000 funded

First mortgage

Shingle Springs, CA

February 2026

$135,000 funded

First mortgage

Sandy, UT

February 2026

$150,000 funded

First mortgage

West Valley City, UT

February 2026

$495,000 funded

Home equity line, second lien

Grizzly Flats, CA

January 2026

$65,000 funded

First mortgage

Fresno, CA

January 2026

$465,000 funded

Home equity line, second lien

San Clemente, CA

November 2025

$125,000 funded

First mortgage

Corona, CA

November 2025

$695,000 funded

First mortgage

Pomona, CA

October 2025

$725,000 funded

First mortgage

Laguna Niguel, CA

September 2025

$750,000 funded

Zach von der Linden
Zach von der Linden, mortgage broker and Branch Manager, West Capital Lending, Inc. · NMLS 1652805 · Equal Housing Opportunity
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Timing depends on verification, notarization and county recording. Timing is not promised. Past loans are not a promise about yours; every file is decided on its own.

5.0 across 66 client reviews.

I had a great experience working with my mortgage broker, Zach VonD. He was professional, knowledgeabele, and incredibly easy to work with throughout the entire process. He was always available to answer my questions, explained everything clearly and made the whole mortgage process feel smooth and stress free. I would definitely recommend him to anyone looking for a reliable and trustworthy mortgage professional.

"Zach is an exceptionally professional broker who stands out for his quick responses and strong customer orientation. He focuses on delivering immediate solutions to ensure an easy closing process for his clients. While WCL utilizes an automatic online processing system, Zach’s guidance makes navigating the platform completely seamless and difficulty-free. I highly recommend his service

Zach was so easy to work with. He made a stressful situation into a very positive experience for us and did push us one way or another. He listened to what we hoped we could accomplish and made it happen.

Selected excerpts, word for word. Read all reviews on Experience.com. What clients consistently mention: responsive and easy to reach, explains the process clearly, patient guidance through decisions, finds options that fit the situation.

Experience.com profile as observed on 2026-09-24, most recent review dated 2026-09-23. A dated observation, not a live feed. General service reviews; they do not prove a result for your situation or point to a particular lender.

Product claims on every page carry a source and the date it was checked.

How I work

  1. Read the answer first

    Every page opens with the direct answer.

  2. Check your options, or text me

    Check your HELOC options without impacting your credit score. Review your options, then decide whether to continue. Or text my cell and describe it in a sentence.

  3. Decide together

    I am not tied to one lender, so the job is finding the loan that fits you. Timing depends on verification, notarization and county recording. Timing is not promised.

No impact on your credit score for the first look at HELOC options. Texts go to Zach’s cell. Continuing to a full application uses a hard credit inquiry, which is explained on each page.

Who I work for

Zach von der Linden is a mortgage broker and Branch Manager at West Capital Lending, Inc., NMLS 1652805. The branch office is at 17911 Von Karman Ave, Suite 400, Irvine, CA 92614. As a broker he places loans with more than one lender rather than selling a single company’s products, and he is not paid differently based on the type of loan product he puts in front of you.

Zach von der Linden, mortgage broker and Branch Manager, West Capital Lending · NMLS 1652805

Licensing and identifiers are on the About page and the disclosures page, with links to look them up.

What I can do for you

Pick the one that sounds like you. Each page opens with the direct answer and ends with the same two options: see your real numbers online, or text me.

Home equity line (HELOC)Get cash and keep your first mortgage exactly as it is. Fixed-rate line, soft credit check first.Read the answer Pay off credit cardsSeveral balances become one payment.Read the answer Home improvementsDraw what each stage costs, when it costs it, instead of borrowing the whole budget on day one.Read the answer Cash before you sellA line on a home that is already listed for sale. Most lenders will not do this. Or a cash-offer bridge to buy first.Read the answer Buying a homePurchase loans, including files with write-offs, new self-employment, commission income, or a job gap.See the options Self-employed: bank statement loansQualify on deposits when tax returns understate what you make.Read the answer Investment property, qualify on the rentBuy a rental where the property’s rent carries the loan instead of your tax returns.Read the answer Buy the next home, keep this oneA line on the current home funds the next one, and the rent may count toward qualifying.Read the answer Divorce buyoutFund the agreed number without refinancing the mortgage you want to keep.Read the answer Cash offer without selling firstWrite a non-contingent offer through a bridge program and sell on your own schedule.How it works
Hard moneyShort-term, asset-based loans on real estate, placed through lending partners. Each one starts with a conversation about the property, the plan, and the exit.Text Zach
Commercial financingCommercial real estate financing, placed through lending partners. Terms depend on the property and the borrower, so it starts with a text.Text Zach

Straight answers to the questions people ask

One question per page, answered in the first two sentences, with dated sources.

Show every answer

All answers

Every situation, one page each

Show every situation
  1. 01Keep your mortgage, get cashCan I get cash out of my home without refinancing?
  2. 02Consolidate debtShould I use home equity to pay off credit cards?
  3. 03Fund a projectShould I use a HELOC for a remodel?
  4. 04Cash before your saleCan I buy my next home before I sell this one?
  5. 05A HELOC payment that is changingMy HELOC payment is changing. What are my options?
  6. 06Divorce home buyoutHow can I buy out my spouse and resolve the mortgage?
  7. 07Keep this home, buy the nextCan I buy my next home and keep this one as a rental?
  8. 08Cash offer, no sale firstHow do I buy a house before selling mine with a cash offer?
  9. 09Self-employed, returns look lowCan I refinance or buy if my tax returns do not show what my business earns now?
  10. 10Investment property: qualifies on the property’s rental incomeCan I buy a rental where the rent qualifies instead of my tax returns?
  11. 11Write-offs shrank my incomeMy write-offs made my income look too small. Can I still get approved?
  12. 12Just went self-employedI just went self-employed. How long before I can buy a home?
  13. 13Commission, bonus, or overtimeMy pay is commission, bonus, or overtime. What counts toward a mortgage?
  14. 14Job change or a gapI changed jobs or had a gap. Does that stop me from getting a mortgage?

Not sure which one fits? The comparison page lays the structures side by side, or see all situations.

Tell me what you're trying to accomplish.

You don't need to know what loan you need. That's my part.

Text Zach Call Zach

No credit pull happens from a text or a call. Texts and calls go to Zach's cell.

Want me to reach out?

Leave your name and number and I will text or call you back. Thirty seconds, no pressure, and the options check and the text button work the same with or without it.

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This does not pull your credit and is not an application. Please do not type Social Security numbers, account numbers or anything you would not want in an email; Zach gets this by email and calls or texts you back.