Chad Villacorta | Loan Originator
NMLS #2636410 · West Capital Lending, Inc. · NMLS #1566096
Chad Investor Lending operates under West Capital Lending, Inc. (NMLS #1566096) — a direct lender and mortgage broker with over $2B in funded loans. West Capital provides access to a wide range of loan products, competitive pricing, and the operational infrastructure that lets me focus on what matters: building the right strategy for every client.
Equal Housing Lender | Licensed in 34 States
I Don't Sell Loans. I Build Financial Strategies.
Based in Orange County, California — licensed and lending in 34 states. Whether you're across the street or across the country, the strategy is the same.
After 24+ years of investing in real estate, I've watched thousands of homeowners leave money on the table — not because they lacked opportunity, but because no one showed them what was possible.
I work with homeowners and investors nationwide — from first-time HELOC borrowers in California to portfolio investors scaling in Texas, Florida, and beyond. I'm not the loan officer who quotes you a rate and disappears. I'm the one who looks at your full financial picture and tells you what most lenders won't.
$0B+
Funded by West Capital Lending
0+
Deals Closed
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Years Investing in Real Estate
Top 1%
Loan Officer Nationwide — Jan 2026
My Approach
My approach is simple: treat every borrower's money like it's my own. That means I'll tell you when a HELOC makes sense AND when it doesn't. I'll push back on a deal that doesn't pencil. And I'll find the path forward when other lenders say no.