Trusted Mortgage Advisor

See if you qualify for a better rate

Answer a few quick questions and Bobby Ko will personally review your scenario. No obligation, no credit check required.

✓ Free, no obligation ✓ No credit check ✓ Results in 24 hours

How it works

Three simple steps to your personalized rate quote

Tell us your goal

Refinance, purchase, cash-out, or home equity. Pick what fits your situation.

Share a few details

Property info, estimated credit range, and current mortgage details. Takes about 2 minutes.

Get your quote

Bobby reviews your scenario personally and reaches out within 24 hours with options.

Get your free rate quote

No credit check. No obligation. Just honest numbers.

Goal

Property

Contact

What are you looking for?

Select the option that best describes your goal.

📈

Refinance

Lower your rate or payment

🏠

Purchase

Buying a new home

💰

Cash-Out Refi

Tap into your equity

🏡

Home Equity

HELOC or HE loan

Tell us about your property

Don't worry about exact numbers — estimates are fine.

Property Type

Single Family

Condo / Townhome

Multi-Family

Investment

Estimated Property Value

Current Loan Balance

Current Interest Rate

Estimated Credit Score

Almost there! How can we reach you?

Bobby will personally review your scenario and follow up.

First Name *

First name is required

Last Name *

Last name is required

Email *

Valid email is required

Phone *

Phone number is required

✓

You're all set!

Thanks for reaching out. Bobby Ko will personally review your scenario and get back to you within 24 hours with your rate options.

Why work with Bobby Ko?

Most loan officers sell you a rate. Bobby helps you build a strategy. From conventional to non-QM, VA to commercial — he's spent 17+ years mastering every mortgage product so you don't have to.

West Capital Lending isn't a call center. It's a team that treats your mortgage like the financial decision it actually is.

17+ Years Experience

$500M+ Loans Funded

200+ 5-Star Reviews

Frequently asked questions

Is this really free? What's the catch? +

Yes, 100% free with no obligation. Bobby gets compensated when a loan closes, so there's no cost to you for getting a quote. He'll give you honest numbers and let you decide if it makes sense.

Will this affect my credit score? +

No. Filling out this form does NOT pull your credit. It's just a preliminary review. A credit check only happens if you decide to move forward with a formal application.

How quickly will I hear back? +

Bobby personally reviews every submission and will reach out within 24 hours, usually much sooner during business hours. You'll get a direct call or email — not a bot.

What types of loans do you offer? +

Conventional, FHA, VA, Jumbo, Non-QM (bank statements, DSCR, asset depletion), HELOC, home equity loans, and commercial. If there's a loan product, Bobby probably knows it inside and out.

I'm not sure if refinancing makes sense for me. Can Bobby help? +

Absolutely. Bobby will run the numbers and tell you honestly whether refinancing makes financial sense in your specific situation. If it doesn't pencil out, he'll tell you that too.

Do you work with self-employed borrowers? +

Yes. Self-employed borrowers are a specialty. Bobby works with bank statement programs, P&L-only loans, asset depletion, and other non-QM options designed specifically for business owners and freelancers.