Your mortgage, handled properly.
Buying, refinancing, or pulling equity out of a home you already own — let's find the structure that actually fits.
Kien Tran · Executive Branch Manager · NMLS# 2133926 · DRE 02251374
- Licensed states
- 20
- Loan programs
- 50+
- Wholesale lenders
- 190+
- Direct line
- (949) 331-1636

Who you’re working with
Kien Tran, Executive Branch Manager
Your home is one of the biggest financial investments you will make in your lifetime. I take a consultative approach — assessing which programs best suit you and your family, building a solid game plan, and guiding you through every step of the home loan process.
Understand the goal first
Lowering a payment and getting out of debt faster are opposite loans. Naming the objective before shopping anything prevents an expensive mismatch.
Shop the file, not the shelf
The same application goes to multiple lenders. Pricing and guidelines differ enough between them that the right placement often beats a rate negotiation.
Say when it does not make sense
If the numbers do not work, you should hear that before you apply. A deal that costs you money is not one worth closing.
Loan programs
From conventional to creative.
New to this? Start with the frequently asked questions or browse the mortgage glossary.
Conventional
Competitive pricing, jumbo, HomeReady, Home Possible, down payment assistance, and renovation options. Down payments as low as 3%.
Learn moreFHA
3.5% down, lower credit score thresholds, down payment assistance, $100 Down, and Good Neighbor Next Door.
Learn moreVA
Zero down, no monthly mortgage insurance, flexible credit, and the VA IRRRL streamline refinance for veterans.
Learn moreNon-QM / Investor Loans
DSCR, bank statement, 1099, hard money, bridge, foreign national, ITIN, commercial, and mixed-use. If you were told no elsewhere, start here.
Learn moreHELOC / HELOAN
Home equity lines, fixed home equity loans, and second and third lien options — without disturbing your first mortgage.
Learn moreReverse Mortgage
Convert home equity into income without a monthly mortgage payment. Designed for homeowners 62 and older.
Learn moreRefinance
Lower your payment, shorten your term, or take cash out. Shopped across a wide lender panel to find the right structure.
Learn moreDebt Consolidation
Roll high-interest revolving balances into one simpler payment using your home's equity.
Learn moreFirst-Time Homebuyer
Low and no down payment programs, down payment assistance, and a guide through every step of your first purchase.
Learn moreRates and program availability may vary based on the state or region in which the financed property is located. This is not a credit decision, an offer, or a commitment to lend. Program restrictions apply.

Declined elsewhere
Been told no? There is usually another door.
A decline from one lender is a decline from one lender’s guidelines — not a verdict on the deal. These are the scenarios that most often get placed somewhere else.

Featured product
5-Day Digital HELOC
Access your home equity in as few as 5 business days. A 100% online process, no appraisal in most cases, up to $750K — and you keep the low rate on your existing first mortgage.
- Fund in as few as 5 days
- No appraisal in most cases
- Up to $750K
- No out-of-pocket costs
Subject to credit approval and program eligibility. Funding timelines, credit limits, and appraisal requirements vary by lender and property. Closing costs may be financed or netted from proceeds rather than waived.
The whole point
A mortgage is the largest thing most people ever finance. It deserves more than a rate quote.
Structure, timing, and which lender sees the file all move the number more than an eighth of a point ever will. That is the part worth getting right.
Reviews
What clients say
Average rating
“We were referred to Kien by word of mouth and after working with him for four months as both our agent and loan officer, it’s easy to see why his page is filled with 5 star reviews. The chances of finding someone better in his field are slim. His communication is top notch. Clear, responsive, and incredibly informative. He’s a true subject matter expert, not just in lending but in the entire home buying process. Kien consistently went above and beyond to answer our questions and made sure we felt confident in every decision. He offers his honest opinion (especially valuable for first time buyers like us) and does an excellent job breaking down the pros and cons so you can make the best choice for your situation. But above all, what we truly value is his integrity. He genuinely has your best interests in mind and will guide you toward what’s best for you, not what benefits him. That level of integrity is rare, especially in an industry as opaque as real estate. Highly recommend Kien for your next home purchase. We would work with him again without hesitation.”
Bryant V
April 2026
“Kien is so great to work with and we are so lucky we had him as our mortgage broker. It was our first time buying a home, and he would take the time to answer all the questions and concerns we had, regardless of the time of day. Sometimes we would talk until 1 or 2 in the morning, with him accommodating our intense work schedules. Kien has a very strong understanding of all things home buying, and provided us a lot of guidance well beyond just being our mortgage broker. He also has a real estate license, which makes him such a well-versed mortgage broker and allowed him to understand all of the inner-workings of home buying and be such a great resource to us. With our mortgage, we felt assured and confident that Kien was able to get us the best mortgage rate and plan. He really knows his stuff and has spent years mastering his skills and putting in the work to be the best mortgage broker you can have on your team. He took care of us from the beginning until the very end, and is someone we still feel very comfortable reaching out to with any additional questions we have. We plan to continue working with Kien for all of our future needs. Thank you for everything, Kien!!”
Sally P
May 2026
“Working with Kien Tran at West Capital Lending for a HELOC was an absolute breeze. From the very first call, Kien stood out for his professionalism and knowledge of the lending process. He took the time to explain all the options clearly, ensuring I felt confident and informed at every step. What really impressed me was his responsiveness; no matter how many questions I had, Kien was always quick to provide thorough and helpful answers. He navigated the complexities of the HELOC application with ease, making what could have been a stressful experience feel seamless and straightforward. I highly recommend Kien if you’re looking for a stress-free lending experience! He and the team at West Capital Lending are top-tier!”
Ronald Z
March 2026
Start with a conversation.
Not ready to apply? Walk me through the scenario and I’ll tell you what is realistic — what you qualify for, what it would take, and whether now is the moment.
Reach out
Get in touch.
Call, email, or start the application — whichever is easiest. A short conversation usually saves a long one later.
Phone
(949) 331-1636Hours
Mon–Fri 8AM–5PM PST
Sat–Sun by appointment
Office
West Capital Lending, Inc.
17911 Von Karman Ave, Suite 400, Irvine, CA 92614
Kien Tran — NMLS# 2133926 · DRE 02251374
Serving Arizona, California, Colorado, Florida, Hawaii, Idaho, Kansas, Kentucky, Maine, Minnesota, Nebraska, New Hampshire, Oklahoma, Oregon, Tennessee, Texas, Utah, Virginia, Washington, Wyoming.
Ready to start?
The application takes a few minutes and gives us something concrete to work from. Nothing is committed by starting it.
Please do not send Social Security numbers, account numbers, or other sensitive personal information by email. Use the secure application instead.



