Financially Fit Inc
Access Your Home Equity

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About
My role as a mortgage broker has enabled me to help thousands of homeowners accomplish their goals and adopt a strategy that secures their financial wellbeing and peace of mind. ❤
West Capital Lending is a wholesaler with over 200+ lenders to guarantee you the best financing options belowmarket.
Reviews
Miami, FL
Manny was very professional and thorough from the start to the finish. Manny was always available for any questions or concerns. I highly recommend West Capital Lending for any of your loan needs and I am grateful for Manny's professionalism and assistance. Great Job Manny Hernandez!
Eduardo C
Sweet Home, OR
Manny was very professional and quick to respond to any concerns I had. He was accurate in the turn around time for the loan process to receiving your funds in couple of weeks. The process was very smooth and seamless. It was truly a pleasant experience working with Manny. Thank you Manny for your kindness and your great professionalism!
Henrietta C
Diamond Bar, CA
Manny was very patient and made sure to always answer all of my questions when getting ready to purchase a home for the first time.
Jocelyn M
Gary P
Palm Springs, CA
Beginning to end, a pleasure. Manny was always available for questions and concerns, helped me do what other loaners couldn't. Grateful for his professionalism and assistance.
Grace T
Ewa Beach, HI
When I was shopping around for a consolidation loan, they all denied me and when I had a call from Manny, helps me in every possible way and very professional. always answer my questions. thank you for helping me Manny Hernandez. thank you, Grace.
Grace T
Honolulu, Hawaii
Well, when I tried out for different companies for an loan, they all flat out denied my husband and I ! So I still kept looking and looking,. Once I came across West Company lending one agent said no but then Manny returned my email for applying, he helped me in every which way he could help me instead just saying NO! he guide me of what to do and what he needed from my husband and I. Then from 30 days or more he never give up and always answer my questions immediately! So in finalized! my husband and I got approved and congratulated us! So I’m very pleased and happy for his professionalism! Great job! Manny Hernandez!!!
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Services
Ai Powered HELOC
Access to your home equity in as little as 6 days. Our Ai model allows us to close quickly with simple underwriting and no appraisal needed.
Cash Out Refinance
Traditional 1st Mortgage Loans at wholesale discounts. Cheaper costs and better terms. Conventional, FHA, and VA loans.
Self Employed Loans
Bank Statement Loans - No Tax Returns required. We can provide financing with bank statements, stated income, or profit and loss statements.
Reverse HELOC
Supplement your retirement with a Home Equity Line of Credit. Get access to cash for debt consolidation, income, traveling, and regular day to day expenses. Best of all, the line of credit does not require any monthly payments.
*must be 62 years or older
Investor Portfolio Loans
Access to Equity or Purchase with Rental Income only. No personal income needed. Short Term Rentals and Vacant Properties Allowed.








Contact
Call in available from 8:00 AM - 4:00 PM
Monday through Friday.
Appointments Available
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WCL is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract) because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.
West Capital Lending NMLS # 1566096
CA DRE # 02022356
NMLS # 1583905