Orange County, California · 20+ years
Smarter mortgages,
made personal.
I'm Sean Mesdaghi — Vice President at West Capital Lending. Self-employed bank statement loans, DSCR investor loans, HELOCs, cash-out refis and purchases, done fast and done right.
Sean Mesdaghi
NMLS #264444
4.95/5
across 202 verified reviews
20+
Years lending
17
States licensed
#1
Mortgage broker in the U.S. (WCL)
5 days
Avg. HELOC funding
Loan programs
Built for business owners, investors and homeowners.
Self-employed specialty
Bank Statement Loans
No tax returns required. Qualify on 12–24 months of personal or business bank statements, with rates close to traditional loans. Built for business owners, 1099 earners and entrepreneurs whose write-offs hide their real income.
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Real estate investors
DSCR Investor Loans
Qualify on the property's rental income, not your personal income. Ideal for growing a portfolio of single-family, 2–4 unit and short-term rentals, including in an LLC.
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Buy with confidence
Home Purchase
Conventional, FHA, VA and jumbo financing with a fast, strong pre-approval so your offer competes in Orange County's tight market.
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Put equity to work
Cash-Out Refinance
Replace your mortgage and pull out cash for renovations, debt consolidation, investments or tuition — in one new loan.
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Fund in as few as 5 days
HELOC
A 100% online Home Equity Line of Credit up to $1,000,000 with fixed or adjustable options — keep your low first-mortgage rate.
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Full-doc classic
Conventional Loans
Fannie Mae and Freddie Mac financing for W-2 and full-documentation borrowers, with competitive rates and down payments as low as 3% for eligible buyers.
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For veterans & service members
VA Loans
Zero-down financing for eligible veterans, active-duty service members and surviving spouses, with no monthly mortgage insurance.
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Orange County price points
Jumbo Loans
Financing above conforming loan limits for Orange County's higher-priced homes, with full-doc programs for strong borrowers.
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Flexible qualifying
FHA Loans
Government-backed financing with low down payments and more flexible credit guidelines, popular with first-time buyers.
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See where rates are today.
Rates & calculator →
Multi-state licensed
Based in Orange County. Lending in 17 states.
Whether you're buying in Newport Beach or investing in Texas, Florida or Arizona, you get the same advisor from start to close.
View all licensesWhat clients say
“Sean is one of a kind. He walks you through this complicated process and explains in details the available options and pros and cons of each.”
“Sean was friendly and easy to work with. I made a time sensitive purchase and received my funds by the date Sean told me I would receive them!”
“Sean is excellent at what he does and that is making sure your loans are approved and funded. Keep putting your customers' interests first.”
Let's find your best rate.
Soft credit check only. No SSN required to see options.