Christian Carrillo
Branch Manager · West Capital Lending
Buying a home, refinancing, or borrowing against your equity — tell me where you're headed, and I'll map the route with you.
I've spent the last several years in mortgage lending and debt consolidation, working with national lenders including Quicken Loans and Freedom Mortgage on FHA, VA, Conventional, Non-QM, DSCR, and bank-statement loan programs. Before that, I worked directly in debt resolution, helping clients tackle unsecured debt and credit card refinancing. This field is where I specialize, and it's personal to me — I look for the solution that actually fits your situation, not just the easiest one to sell, and I strive to help everybody who comes to me find a real path forward.
Backed by a dedicated team, from first call to closing day.
“The service was awesome and fast.”
Jose G., North Plains, OR“Thank you to the entire team for your help throughout this process.”
Ashley J., Newnan, GA“Were very professional with me and empathic with my situation.”
James P., Spokane, WAIndividual results may vary.
Pick the path closest to your situation — including programs built for investors and business owners who don't fit a standard W-2 file.
For real estate investors and self-employed borrowers.
Enter your home's estimated value and what you still owe. This is a rough illustration to start the conversation — not an appraisal or a quote.
Illustrative only, based on a common 90% combined loan-to-value ceiling. Not an appraisal, an offer, or a credit decision. Your actual amount depends on credit, income, property, and full underwriting.
| Feature | HELOC | Personal loan |
|---|---|---|
| Secured by | Your home — a lien is recorded against the property | Nothing |
| Typical amount | Often up to several hundred thousand dollars | Usually up to about $100k |
| Rate | Usually lower, because it's secured | Usually higher |
| Term | Longer | Shorter |
| Interest tax deductible | Sometimes — only when used to improve the home; ask a tax professional | No |
General comparison of product types, not an offer or a quote. Personal loan figures are typical market ranges and vary by lender. Your own rate, term, and amount depend on your credit, income, property, and full underwriting.
Pick your path above and send over a few basics — takes about a minute.
I compare programs and pricing across lenders and walk you through what fits.
Once you're ready, we lock your rate and move into underwriting together.
I stay on the file through funding, so there's one person to call the whole way.
A few details help me pull options that actually fit your budget and timeline, instead of generic rate quotes.
Skip the form and grab an open slot on my calendar. We'll talk through your goal, your numbers, and which programs actually fit — no credit pull needed to have the conversation.
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Open the booking page →I'll review what you shared and reach out shortly. If you'd rather lock in a time now, grab a slot below and we'll go over your options live.
Ready to move faster? You can start your full application right now instead of waiting for a call.
Begin my application →It depends on your goal and your income picture. Pick the path closest to your situation above, and I'll walk you through what actually fits once I see your numbers.
A HELOC is a line of credit you draw from as needed, with interest only on what you use. A HEL is a lump sum with a fixed payment. Which one fits depends on how you plan to use the funds.
DSCR stands for debt-service coverage ratio. Instead of qualifying on your personal income, the loan is approved based on the rental income the property itself generates — common for real estate investors.
Often, yes. Bank-statement and asset-based programs exist specifically for business owners and self-employed borrowers who don't have a traditional W-2 income file.
No. An initial conversation about your options doesn't require a credit pull. That only happens later, once you decide to move forward.
Yes. Before working in mortgages, I worked directly in debt resolution, and a HELOC or home equity loan is one of the more common ways homeowners consolidate higher-interest debt. Pick "Tap into your equity" above and mention debt consolidation in your details.