Disclosures, and how the examples work

How to read the examples

Examples only. Nothing in this section is a quote or an offer.

• Every example is hypothetical. It is not a quote, an advertised offer, any lender's offer, or a customer result.
• The worked examples show income arithmetic, dates, and the order of steps, with every assumption labeled.
• The recently funded loans on the home page are loans Zach closed, shown by city, rounded amount, loan type and month only. Every image with them is an illustration, not the actual property. Past loans are not a promise about yours.
• Your terms, fees and eligibility come from the lender in writing, for your own file, before you commit.
• Keeping your first-mortgage rate never means the new money comes at that rate.
• A lower monthly payment does not establish a lower total cost. Terms differ. Replacing unsecured debt with debt secured by your home changes the risk.

Product facts and their sources

Where a page describes a real product feature, the claim, its conditions, its source, and the date it was checked are listed on that page. Public product descriptions are not the same as a specific offer available through Zach; offers depend on the borrower, the property, the state, and the lender’s current guidelines.

Nothing on this site promises approval, a rate that beats anyone else’s, guaranteed savings, a specific funding time, universal digital processing, no appraisal in every case, or zero closing costs.

Identity and licensing

• Zach, NMLS: 1652805
• Zach, California DRE: 02179302
• West Capital Lending, NMLS: 1566096
• West Capital Lending, California DRE: 02022356

Legal display name: Zach von der Linden, Mortgage Broker, West Capital Lending, Inc.. Service area: California, Utah, Oregon, Arizona.

West Capital Lending, Inc. NMLS# 1566096. DRE# 02022356. For complete license information, visit West Capital Lending's licensing page. Licensing page.

West Capital Lending is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

Office: 17911 Von Karman Ave, Suite 400, Irvine, CA 92614.

Reviews

Ratings and review counts shown on this site come from the Experience.com profile, as observed on 2026-09-24. They are dated observations, never presented as a live feed. They are not Google reviews. General service reviews do not prove a result for a particular scenario or point to a particular lender.

See also the privacy notice.