Short answer: this site is written and run by Korbin Spangenthal, a Vice President and licensed mortgage loan originator at West Capital Lending (NMLS #2079029), who originates these loans personally. It exists because of one gap that kept coming up: homeowners whose bank declined a home equity line the moment their house went on the market. Everything here is written from files that actually funded, not from a content brief.
Who is behind this site
I'm Korbin Spangenthal, Vice President at West Capital Lending. I've spent my career in mortgage origination running a high-volume production operation, and I'm licensed both as a mortgage loan originator (NMLS #2079029) and as a real estate agent (DRE #2178533) — which is a useful combination when the question is really about the sale of a house and the financing around it at the same time.
I'm licensed to originate in 30 states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, the District of Columbia, Florida, Hawaii, Iowa, Kansas, Kentucky, Maine, Maryland, Michigan, Minnesota, Missouri, New Mexico, North Dakota, Ohio, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, and Wyoming. You can verify all of that independently at NMLS Consumer Access — please do. My client reviews are public too: 4.96 out of 5 across 215 verified reviews.
What West Capital Lending is
West Capital Lending, Inc. (NMLS #1566096, DRE #02022356) is a mortgage brokerage headquartered at 17911 Von Karman Avenue, Suite 400, Irvine, CA 92614. A brokerage isn't a bank: instead of one shelf of products, we shop a borrower's scenario across a network of more than 200 lending partners and place it where it actually fits. Company-wide client reviews run 4.89 out of 5 across more than 41,000 verified reviews. Equal Housing Lender.
The digital home equity line described throughout this site is offered through our partner Figure Lending LLC, which is the lender of record on those files.
Why this site exists
Because of a phone call I kept getting. A homeowner lists their house, finds the next one, applies at their bank for a home equity line to cover the down payment — and gets declined, not for credit or income, but because the property is on the MLS. Most banks have a hard overlay against it. Nobody warns people in advance, and by the time they find out, their offer window is closing.
There is a program that funds those files, and I do them regularly. I couldn't find anywhere on the internet that explained the situation honestly, so I built this. The general HELOC guides came later, for the same reason: the questions people actually ask — should I refinance or take a line?, how fast can this really fund?, will checking hurt my credit? — mostly get answered by pages written to rank, not by someone who closes the loans.
How the content here is written
A few standards I hold this site to, because on a topic like this they matter more than the writing:
- Program facts come from current lender guidelines, not from memory or from other websites. When the guidelines change, the pages change.
- No rates, APRs, fee amounts or percentages appear anywhere on this site. Those depend on your file, and publishing them invites people to plan around a number that was never theirs.
- No approval promises. Every application is subject to credit approval, verified property value and program guidelines, and some of the people who read this won't qualify. Pages here say so.
- The downside gets equal space. A HELOC is secured by your home. Where a page recommends something, it also says when not to do it — and several pages here end by pointing at a different product.
- Pages are dated, and the calculators are labeled as estimates, because they are estimates and not appraisals.
What happens when you contact me
The form on this site goes to me, not to a call center or a lead marketplace, and I aim to respond the same business day. Your information is not sold. If your situation doesn't fit this program — wrong state, wrong numbers, wrong timing — I'll tell you that on the first call instead of taking an application that can't fund. See the privacy policy for exactly what's collected and where it goes, or just call.
Common questions
Who actually writes the guides on this site?
Korbin Spangenthal writes and reviews them. He is a licensed mortgage loan originator (NMLS #2079029) and a licensed real estate agent, and he originates these loans himself rather than writing about them from the outside.
Are you a bank?
No. West Capital Lending is a mortgage brokerage — it shops a borrower's scenario across a network of more than 200 lending partners rather than holding a single set of products. The digital HELOC described on this site is offered through Figure Lending LLC.
Why don't you publish rates or fees anywhere on the site?
Because a rate quoted without your credit profile, verified property value, lien position and state is a guess, and a guess on a page like this tends to become a promise in someone's memory. You get real numbers from the soft-pull pre-qualification, which takes a few minutes and doesn't affect your score.
How do I verify Korbin's license?
Search NMLS #2079029 on NMLS Consumer Access at nmlsconsumeraccess.org. It shows current licensing status by state for both Korbin and West Capital Lending (NMLS #1566096).
Do you handle loans other than HELOCs?
Yes — West Capital Lending brokers purchase and refinance mortgages, non-QM and DSCR loans, and renovation financing. This site focuses on home equity lines because the listed-home version is a niche most lenders decline, but if a different loan is the right answer for you we'll say so.
Start here
Talk to me directly
If you have a scenario, the fastest path is a five-minute call with your actual numbers — value, balance, what you're trying to do, and when. You'll get a straight answer about whether it fits and what it would cost, including if the answer is no.