Brandon Millones - West Capital Lending

Brandon Millones - West Capital Lending Helping clients navigate the home financing process with clarity, confidence, and customized solutions.

Brandon Deleon Millones | West Capital Lending, Inc | NMLS # 2061325 | Branch NMLS # 1566096 | Equal Housing Lender

❓Q&A THURSDAY❓🤔Can I buy a new home BEFORE selling my current home Potentially, YES! Depending on your situation, you ma...
09/03/2026

❓Q&A THURSDAY❓

🤔Can I buy a new home BEFORE selling my current home Potentially, YES! Depending on your situation, you may be able to:

🔑 Qualify while carrying both mortgage payments

🏠 Convert your current home into a rental and potentially use rental income to help qualify

💰 Use available assets or other strategies to help make the new purchase work

📄 Structure the purchase around the pending sale of your current home (Bridge Loan)


Every situation is different — your income, debts, equity, assets, and loan program can all play a role. Don’t automatically assume you have to sell first. There may be more options available than you think.

📲 Thinking about moving but still own your current home? Let’s look at the numbers BEFORE you put it on the market.

🏡 You’re almost at the closing table… don’t accidentally mess up your approval! 😬Once you’re approved for a mortgage, it...
09/03/2026

🏡 You’re almost at the closing table… don’t accidentally mess up your approval! 😬

Once you’re approved for a mortgage, it’s important to keep your finances as consistent as possible until you have the keys in your hand. 🚫 Avoid making big financial changes like 🚫


💳 Opening new credit cards — New inquiries and accounts can impact your credit score.

🛒 Making big purchases — Financing a car, furniture, appliances, etc. can increase your monthly debt and DTI.

🤝 Co-signing for someone else — Even if they’re making the payments, that debt may still count against you.

💼 Changing jobs — A change in employment or income could affect your loan qualification.

⚠️ Rule of thumb: Before making ANY major financial or employment change while buying a home, talk to your loan officer first.You’ve made it this far — don’t let one decision delay your closing! 📲 Questions about the mortgage process? I’m always happy to help.

❌ MYTH: “I should wait until interest rates drop before buying a home.”✅ FACT: A lower rate doesn’t always mean a better...
09/02/2026

❌ MYTH: “I should wait until interest rates drop before buying a home.”

✅ FACT: A lower rate doesn’t always mean a better time to buy.


When rates drop, more buyers may jump back into the market — which can mean:

🏠 More competition
💰 Higher home prices
🔥 More multiple-offer situations
🤝 Less negotiating power

Sometimes buying when there’s LESS competition can actually put you in a stronger position. And remember- you may be able to refinance later if rates drop! The best time to buy isn’t based on rates alone — it’s when the numbers make sense for YOU.

📲 Have questions about what you could qualify for? Let’s run the numbers.

08/29/2026

Approaching months end, on a very slow month 🐢

❓Q&A THURSDAY❓What happens if the appraisal comes in lower than the purchase price?Let’s say you agree to buy a home for...
08/28/2026

❓Q&A THURSDAY❓

What happens if the appraisal comes in lower than the purchase price?

Let’s say you agree to buy a home for $600,000, but the appraisal comes back at $575,000. The lender generally bases the loan on the lower of the purchase price or appraised value — so that $25,000 difference can affect how much you're able to borrow.

A low appraisal DOESN’T automatically mean the deal is dead. 👇You may have a few options:

🏷️ Renegotiate the price
The seller may agree to lower the purchase price closer to the appraised value.

💰 Cover the appraisal gap
If you have the funds, you may be able to pay the difference between the appraised value and purchase price.

📋 Challenge the appraisal
If there are legitimate issues or better comparable sales that weren't considered, your lender may be able to request a reconsideration of value.

🔄 Restructure the loan
In some cases, we may be able to adjust the loan structure or down payment to help keep the purchase moving forward.


BOTTOM LINE:
A low appraisal can create a hurdle, but it doesn't necessarily mean you have to walk away from the home. That’s where having a knowledgeable loan officer AND real estate agent working together can make a huge difference. 🏡🔑




❌ MYTH: You can’t buy a home if you have student loans.✅ FACT: Having student loans does NOT automatically stop you from...
08/26/2026

❌ MYTH: You can’t buy a home if you have student loans.

✅ FACT: Having student loans does NOT automatically stop you from qualifying for a mortgage!

When applying for a home loan, lenders look at your debt-to-income ratio (DTI) — not simply whether you have student loan debt.

Your student loans are just one part of the equation. Your:

💰 Income
💳 Monthly debt payments
📊 Credit
🏠 Estimated housing payment

…all play a role in determining how much you may qualify for.

So if you’ve been putting off buying a home because you still have student loans, don’t automatically count yourself out!

📲 Do have student loans and wondering what you could qualify for? Reach out and I’d be happy to take a look at your options.

🎉 MONDAY SUCCESS! 🎉Beth is retired and living on a fixed income. She was carrying high-interest credit card debt and had...
08/25/2026

🎉 MONDAY SUCCESS! 🎉

Beth is retired and living on a fixed income. She was carrying high-interest credit card debt and had been having a difficult time finding a lender who could help her qualify.

After being turned away elsewhere, we were able to find a solution that worked for her. 🙌 We helped Beth secure a $77,000 HELOC to pay off her high-interest credit cards and, most importantly, save her $421 PER MONTH! 💵👏 For someone living on a fixed retirement income, an extra $421 back in the monthly budget can make a meaningful difference. Sometimes it’s not about making more money — it’s about making the money you already have work better for you. 🏡

📲 Having trouble qualifying or looking for ways to lower your monthly debt payments? Let’s see what options may be available to you.


Q&A Thursday: Your Offer Got Accepted… Now What?! 🎉Getting your offer accepted is exciting—but you’re not at the finish ...
08/21/2026

Q&A Thursday: Your Offer Got Accepted… Now What?! 🎉

Getting your offer accepted is exciting—but you’re not at the finish line just yet! Here’s what typically happens next:


📝 1. Loan Processing
Your lender collects and reviews your updated income, assets, credit, and property documents to prepare your loan for underwriting.

🏠 2. Appraisal
An appraisal may be ordered to determine the home's value and make sure it supports the purchase price. (Some buyers may qualify for an appraisal waiver!)

🔍 3. Underwriting
The underwriter reviews your entire loan file to make sure you and the property meet the loan requirements.

📋 4. Final Conditions
You may be asked for a few additional or updated documents before receiving final approval.

✅ 5. CLEAR TO CLOSE!
Once all conditions are satisfied, your loan receives the green light to move forward.

✍️ 6. Sign, Fund & Get Your Keys! 🔑
You'll sign your final loan documents, funds are sent, and once the transaction officially closes—you’re a homeowner! 🎉

💡 Quick Tip: Once you're under contract, avoid opening new credit cards, financing a car, making large unexplained deposits, or changing jobs without speaking to your lender first.



The time between “Offer Accepted” and “Here Are Your Keys” can feel overwhelming—but with the right team, we’ll guide you through every step. 🏡 Thinking about buying a home? Let’s get you pre-approved so you’re ready when you find the one!


💰 WEALTH WEDNESDAY 💰 Your mortgage payment is doing more than paying for a place to live. When you make your mortgage pa...
08/20/2026

💰 WEALTH WEDNESDAY 💰

Your mortgage payment is doing more than paying for a place to live. When you make your mortgage payment each month, part of that payment goes toward paying down your loan balance. And as that balance goes down, you’re building equity in something YOU own. 🔑

And in the future you can access that equity to:

→ Buy your next home
→ Purchase an investment property
→ Fund home improvements
→ Consolidate higher-interest debt
→ Access cash when you need it

That’s one of the biggest differences between simply paying for housing and using homeownership as a tool to build long-term wealth vs renting. 📲 Curious what homeownership could look like for you? Send me a message and I’ll help you run the numbers.

❌ MYTH: You need to be at the same job for 2 years to qualify for a mortgage.✅ FACT: Changing jobs doesn’t automatically...
08/19/2026

❌ MYTH: You need to be at the same job for 2 years to qualify for a mortgage.

✅ FACT: Changing jobs doesn’t automatically stop you from getting approved!


Lenders generally want to see a stable 2-year employment and income history, but that does NOT necessarily mean you need to work for the same company for two full years. For example, you may still qualify if you:


🏢 Recently changed employers but stayed in the same or similar line of work
📈 Changed jobs for a better position or higher salary
🎓 Recently graduated and started working in the field you studied
💼 Have a reasonable explanation for gaps or changes in employment


Every situation is different, and the type of income you earn can affect how it’s calculated. 👉 So don’t assume a recent job change means you have to wait 2 years to buy a home. If you recently started a new job and are wondering if you qualify, reach out and I can help you look at your options! 🏡🔑

Address

17911 Von Karman Avenue Suite 400
Irvine, CA
92614

Telephone

+19492466744

Website

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