Most lenders quote you a rate. We build you a structure.
I help homeowners and investors turn trapped equity into real leverage, with strategies most loan officers won't tell you about.I help homeowners and real estate investors turn trapped equity into real leverage, through , investor loans, and strategies most loan officers won't tell you about.
WHAT BRINGS YOU HERE TODAY?
Pick the one that sounds like you.
I have equity sitting in my home
Turn it into cash without giving up your low rate
I'm building a rental portfolio
Qualify on the property's rent, not your tax returns
I'm self-employed
Qualify with bank deposits instead of tax returns
I need a loan that works outside the box
Flexible approval plus down payment help, 34 states
Rated 5 Stars on Experience.com
$2B+
Funded by West Capital Lending
500+
Deals Closed
24+
Years Investing in Real Estate
Top 1%
Loan Officer Nationwide, Jan 2026
Thinking about a specific property?
Paste the Zillow or Redfin listing. Get an institutional underwriting read, cash flow, and a verdict in about two minutes. Free, before you share anything.
The deals most lenders turn down are the ones we close.
Equity-Rich Homeowners
You've built $200K+ in equity. Your lender sees a number. We see a capital strategy.
Unlock Your EquityReal Estate Investors
Your W-2 isn't the qualifier. The property's rent roll is. If the deal cash flows, we can usually build a loan around it.
Run This DealSelf-Employed Earners
You write off everything you can, as you should. We use your bank deposits, not your tax return.
See How You QualifyEquity-Rich Homeowners
You've built $200K+ in equity. Your lender sees a number. We see a capital strategy.
Unlock Your EquityReal Estate Investors
Your W-2 isn't the qualifier. The property's rent roll is. If the deal cash flows, we can usually build a loan around it.
Run This DealSelf-Employed Earners
You write off everything you can, as you should. We use your bank deposits, not your tax return.
See How You QualifyVerified Client Reviews · 5.0 Stars on Experience.com
"From day one he was clear, patient, and incredibly knowledgeable. He walked us through every option and explained everything in a way that actually made sense."
Sreewan V. · Verified Review
"Chad provided exceptional support throughout my HELOC process. His communication was clear, timely, and highly informative. He ensured I understood each step."
Jody C. · Verified Review
"Working with Chad was truly exceptional. He helped us refinance during one of the busiest times of the year and never missed a beat."
Anson V. · Verified Review
What conventional lenders can't work with, and what we build around.
American homeowners are sitting on $35 trillion in equity, an all-time high. Most have no strategy for theirs.
The ones with a strategy are deploying it.
How the structure works in practice.
Homeowner Unlocks $180K
A homeowner with $400K in equity accessed $180K through a HELOC, and used it to fund a rental property down payment.
Investor Scales to 5 Properties
A portfolio investor qualified for their 4th and 5th properties using DSCR, no tax returns, no income verification.
Self-Employed Borrower Qualifies at $1.2M
A business owner earning $35K/month in deposits qualified for a $1.2M home, after two traditional lenders said no.
First-Time Buyer Saves $28K on Down Payment
A buyer thought they needed $150K down for a $750K home. DPA programs reduced their out-of-pocket to under $30K.
Refinance Cuts Payment by $680/Month
A homeowner locked in at 7.5% refinanced to 6.25%, saving $680/month and breaking even in 9 months.
Homeowner Unlocks $180K
A homeowner with $400K in equity accessed $180K through a HELOC, and used it to fund a rental property down payment.
Investor Scales to 5 Properties
A portfolio investor qualified for their 4th and 5th properties using DSCR, no tax returns, no income verification.
Self-Employed Borrower Qualifies at $1.2M
A business owner earning $35K/month in deposits qualified for a $1.2M home, after two traditional lenders said no.
First-Time Buyer Saves $28K on Down Payment
A buyer thought they needed $150K down for a $750K home. DPA programs reduced their out-of-pocket to under $30K.
Refinance Cuts Payment by $680/Month
A homeowner locked in at 7.5% refinanced to 6.25%, saving $680/month and breaking even in 9 months.
Scenarios are illustrative. Every situation is different.
Frequently asked questions
What is a HELOC and how does it work?+
A HELOC (Home Equity Line of Credit) lets you borrow against your home equity without refinancing your existing mortgage. You keep your current rate and only pay interest on what you draw. It works like a credit line secured by your home, with variable rates and a draw period typically lasting 10 years.
What is a DSCR loan for real estate investors?+
A DSCR (Debt Service Coverage Ratio) loan qualifies based on the rental property's income rather than your personal W-2 or tax returns. If the property's rent covers the mortgage payment (typically a 1.0 or higher DSCR ratio), you can qualify regardless of your personal income. Max LTV is typically 80%.
How do bank statement loans work for self-employed borrowers?+
Bank statement loans analyze 12 to 24 months of business or personal bank deposits instead of tax returns. Since self-employed borrowers often write off significant expenses, their tax returns understate their actual income. Bank statement loans use your real deposit history to qualify you at your true earning level.
What states is Chad Villacorta licensed in?+
Chad Villacorta (NMLS #2636410) is licensed as a Mortgage Loan Originator in 34 jurisdictions including Alaska, Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Hawaii, Idaho, Iowa, Kansas, Maine, Maryland, Michigan, Minnesota, Missouri, Nebraska, New Hampshire, North Dakota, Oklahoma, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.
What is the difference between a HELOC and a cash-out refinance?+
A HELOC adds a second lien while keeping your first mortgage untouched, so you preserve your existing rate. A cash-out refinance replaces your entire first mortgage with a new, larger one. If your current rate is low, a HELOC is usually better. If rates have dropped below your current rate, a cash-out refi lets you access equity and get a lower rate at the same time.
Can I get a mortgage without W-2 income?+
Yes. Non-QM loan programs like bank statement loans, DSCR investor loans, and asset-based loans are designed for borrowers without traditional W-2 income. Self-employed borrowers, investors, and retirees can qualify using bank deposits, rental income, or liquid assets instead of tax returns.