The short version: this site is general information, not an offer of credit or a commitment to lend, and the calculators produce estimates rather than approvals. Nothing here creates a lender-borrower relationship, and no loan exists until you apply, are approved and sign documents. By using the site you agree to what follows.
Who operates this site
bridgemyheloc.com is operated by Korbin Spangenthal, Vice President and Mortgage Loan Originator (NMLS #2079029) at West Capital Lending, Inc. (NMLS #1566096, DRE #02022356), 17911 Von Karman Avenue, Suite 400, Irvine, CA 92614. Equal Housing Lender.
Information, not advice
The content here is general information about home equity lending. It is not financial, legal, tax, accounting or real estate advice, and it isn't tailored to your circumstances. Your situation may differ from every example on this site. Before acting, talk to us about your actual file — and where the question is legal or tax, to a professional in that field.
Not an offer, not a commitment to lend
Nothing on this site is an offer to extend credit, a commitment to lend, a pre-approval, or a guarantee of any rate, term, line amount or timeline. All loans are subject to credit approval, verified property value, clear title, program guidelines and applicable law. Not all applicants qualify. Program terms and guidelines change without notice and vary by state and by borrower. Descriptions of the program here reflect guidelines as we understand them on the date shown on the page; confirm current terms with us before relying on them.
Timelines and the "as little as 5 days" figure
Funding timelines described on this site reflect outcomes available to qualified applicants on files that proceed without complications, and they include the rescission period required on a primary residence. They are not promises. Files slow down for ordinary reasons — verification, valuation, title, and how quickly you respond. Some states, Texas among them, have their own required timelines.
The calculators
The equity calculators produce estimates using the figures you enter and the program's general limits. They are not appraisals, were not prepared by a licensed appraiser, and are not offers of credit or statements of the amount you can borrow. They do not access your credit. Your actual line depends on a verified property value, your credit profile, existing liens and your state. Do not make financial commitments based on a calculator result.
Where we can do business
Korbin Spangenthal is licensed to originate mortgage loans 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. This site does not solicit business, accept applications, or offer to lend for properties in any other state. The West Capital Lending Home Equity Line is not available in New York, and no mortgage solicitation activity or loan applications for properties located in New York can be facilitated through this site. The listed-for-sale program has its own narrower state list, described on the relevant pages.
Your home is the collateral
A home equity line of credit is secured by your home. As with any loan secured by your home, failure to make required payments could result in the loss of your home. Consider that carefully before borrowing, and read every document you're asked to sign.
Using the site
You may read, print and share these pages for your own personal, non-commercial use. You may not scrape, republish, resell or systematically copy the content, use it to train a commercial product without permission, misrepresent its source, interfere with the site's operation, or submit false information or someone else's personal information through the form. Text, layout and original graphics on this site are owned by us or used with permission; the West Capital Lending name and logo are the property of West Capital Lending, Inc. Other names and marks belong to their owners.
Links to other sites
We link to third-party sites — NMLS Consumer Access, review platforms, the lender's application system, and others. We don't control them, we're not responsible for their content or their handling of your information, and a link is not an endorsement of everything on the other end.
No warranty
We work to keep this site accurate and current, but it is provided "as is" and "as available," without warranties of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy or non-infringement. We do not warrant that the site will be uninterrupted, error-free or free of harmful components.
Limitation of liability
To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits or lost opportunities, arising from your use of or inability to use this site or your reliance on its content — even if we've been advised such damages are possible. Some jurisdictions don't allow these limitations, so parts of this section may not apply to you.
Changes
We may change this site and these terms at any time. Changes take effect when posted, and the date below shows when this version was published. Continuing to use the site means you accept the current terms.
Governing law
These terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules, except where the law of your state of residence requires otherwise. Nothing here limits any right you have under applicable consumer protection or mortgage lending law.
Complaints
If something here is wrong or you have a concern, tell us first — kspangenthal@westcapitallending.com or (949) 751-1870 — and we will look into it. You can also verify our licensing, and find the appropriate regulator for your state, at NMLS Consumer Access. Texas residents may also refer to the Texas complaint notice.
See also our privacy policy.
Last updated September 14, 2026. We may update this page as the site, the program, or applicable law changes. The version posted here is the one in effect.