Who you are talking to
Zach von der Linden
Mortgage broker and Branch Manager, West Capital Lending. Most of his career has been spent explaining the same handful of decisions to people who deserved a straight answer.
Zach runs a solo broker practice. That means the person who answers your first question is the person who structures the loan and the person you can call when something is confusing. He works with homeowners in California, Utah, Oregon, and Arizona.
As a broker, Zach works with more than one wholesale lender and program, including the home equity line this site is built around and conventional, government, bank statement and investment-property options, rather than selling one lender’s product. The point of that is simple: you hear about the option that fits, or you hear that none of them do and you should wait. Which products are available for a given home and state is confirmed case by case.
A note from Zach
Quick note, in Zach’s words
A few things I like clients to know before we ever talk. I have been doing this for over 10 years and counting. I have worked at banks. I have worked at direct lenders as an employee. Now I am an independent broker, and I do not get paid differently based on the type of loan product we put in front of you.
I am focused on figuring out what is best for you: where you are in your situation, where you are in your life, and what the best possible move forward is. I look at every person and their situation as if I were in their shoes, or as if they were family. That has built a business of repeat clients and referrals, more than I can count, and I look forward to adding you to that family as well.
Branch Manager, West Capital Lending
Check your options now
Check your qualifying rates and terms online. See your options, then decide whether to continue.
See my HELOC optionsNo impact on your credit score for the initial check. It is a soft credit pull.
- Opens West Capital Lending’s HELOC portal in a new tab. Zach is a broker; the lender runs the check.
- It asks for your property address, how the home is owned, and whether you live in it first, then checks your qualifying rates and terms.
- A hard credit inquiry happens only if you choose to continue to a full application.
- Funding in as few as five business days for eligible loans, subject to verification and closing requirements.
Rates as low as prime may be available for qualifying borrowers in eligible programs. Your rate and costs depend on your credit, combined loan-to-value, selected loan and program terms, and applicable fees. Combined loan-to-value means your first mortgage plus the new loan, as a share of what your home is worth.
About the link and the timing
The link carries Zach’s referral code so West Capital Lending knows you came through him. It carries nothing about you. Preliminary options are subject to verification and final approval.
Assumes remote online notarization; county recording rules, in-person closings, waiting periods, and loans of $400,000 or more can take longer. Not a three-day or same-day promise.
Prefer to talk first? Call or text Zach directly at (949) 537-1260. This is a direct line to Zach’s cell. Text anytime; when he is available he usually replies within minutes.
How he approaches a file
The first conversation is about what the money is for, when you need it, and what you already owe. Not documents, not a credit pull. A rough picture is enough to know whether a loan makes sense and which kind.
From there the process is the same one every page on this site follows: gross loan, fees off the top, what gets paid at closing, cash in hand, and the payment before and after. If a loan does not improve your situation, the answer is no, said plainly.
- Easy to reach and clear about the process, according to his clients’ reviews.
- Every example on this site sizes the loan to the net you need, not the gross that looks impressive.
- Every page says which option fits and when another route fits better.
What clients say
Experience.com profile as observed on 2026-09-10, most recent review dated 2026-08-28. A dated observation, not a live feed; the count is rechecked before any public badge.
“He was very knowlegeable about different options and helped us choose what worked best for us!”
“Zach was awesome through the whole quick process. He was super responsive to our calls.”
“Zach was very responsive and communicative on setting up a deal with lenders getting me the deal that i needed.”
“Zach was in constant communication, followed up appropriately and provided the right level of being leaned in.”
What clients consistently mention
- Responsive and easy to reach
- Explains the process clearly
- Patient guidance through decisions
- Finds options that fit the situation
Read the reviews on Experience.com
General service reviews; they do not prove a result for your situation or point to a particular lender.
The rating and count above were read from the Experience.com profile on 2026-09-10 and are rechecked before any public badge goes live. Selected excerpts from actual review text will be added once prepared; none are invented.
Licensing and identity
These are the identifiers supplied for this site. They are labeled as pending until they are verified against the public NMLS and state records before publication.
- Zach, NMLS: 1652805
- Zach, California DRE: 02179302
- West Capital Lending, NMLS: 1566096
- West Capital Lending, California DRE: 02022356
- Experience: over 10 years and counting in mortgages
Review source: Experience.com profile, where he appears as Zach vonD. See also the disclosures page.
Sources and checked dates
| What we say, and what it depends on | Source | Checked |
|---|---|---|
| Zach has been doing this for over 10 years and counting. Zach’s own statement, confirmed directly on 2026-09-10. | Zach, September 10, 2026 | 2026-09-10 |
| Zach says he has worked at banks and at direct lenders as an employee, and is now an independent broker who is not paid differently based on the type of loan product offered. Zach’s own statement about his background and compensation, given on 2026-09-10 and published in his words on the About page. | Zach, September 10, 2026 | 2026-09-10 |
| Zach says the number on this site is a direct line to his cell, that texts are welcome anytime, that he usually replies within minutes when available, and that he takes calls during normal business hours. Zach’s own statement about how he handles contact, given 2026-09-10 and published in his words. Reply times are his practice, not a guarantee. | Zach, September 10, 2026 | 2026-09-10 |
| Zach reports placing loans through more than one wholesale lender and program via his broker channel: the home equity line this site is built around, plus conventional, government, bank statement and investment-property options. Individual lender names are kept off the public pages until the executed broker agreement for each is on file (California 10 CCR 2848(a)(3)). Which products are available for a given home and state is confirmed case by case. | Supplied by Zach, September 9, 2026 | 2026-09-09 |
| The Experience.com profile for “Zach vonD,” West Capital Lending, displayed a 5.0 overall rating and 63 reviews, with 10 entries visible, when fetched live on September 10, 2026 (UTC). An earlier cached snapshot retrieved September 9, 2026 showed 52 reviews and was marked as crawled about three months before. Read on the date shown, not a live feed. These are Experience.com reviews, not Google reviews, and a general service review does not prove a result for your situation or point to a particular lender. | Experience.com profile | 2026-09-10 |
Written for and accountable to: Zach von der Linden, Mortgage broker and Branch Manager, West Capital Lending.
Last substantive review by Zach: 2026-09-11.
Sources for product claims are listed on this page, with the date each was checked.