Tim Popp
Your mortgage should work for you — not the other way around.
I’m Tim Popp, Branch Manager at West Capital Lending. Whether you’re buying your first home, refinancing to a better rate, tapping into your equity, or scaling a real estate portfolio — I shop 120+ lenders to find the right fit for your situation. Before mortgages, I was a mechanical engineer — I bring the same precision to structuring your deal. Read my full story →
📞 949-379-1191 — NMLS #2039627 — CA DRE #02426959
Elite Broker
Accredited
Partner 4 Yrs
Mortgage Broker
$500M+
Loan Volume Closed
37
States + DC Licensed
120+
Lenders in Network
6
Years Experience
Start Your Application
100% digital. Complete at your own pace. Pick the path that matches your goal.
🏠 Purchase or Refinance
Home purchase, rate & term refi, or cash-out refinance. DSCR, conventional, bank statement, and more.
💰 HELOC or Home Equity
Access your home equity. 10+ specialized lenders. No appraisal, no tax returns. Fund in as little as 5 days. Primary, second homes, and investment properties.
🏘️ Investment Properties
DSCR, bank statement, and conventional options for rental properties. Close in your LLC. No personal income verification. Scale your portfolio without limits.
What I Offer
Deep expertise in investor-focused loan products. Not a generalist — a specialist.
DSCR Loans
Qualify based on the property’s income, not yours. No W-2s, no tax returns. Up to $2.5M. LLC closings available. 40-year terms with 10-year interest-only options.
Bank Statement Loans
Self-employed? Business owner? Qualify using 12 months of bank statements instead of tax returns. Purchase, refi, or cash-out up to $4M.
VA Investor Strategies
Veterans can use their VA benefit as a wealth-building tool. House-hack a duplex, use VA cash-out to fund investments, combine VA + DSCR to scale.
What My Clients Say
Real reviews from real clients. 5.0 rating on Experience.com.
“Tim was awesome to work with. Very responsive and was able to answer all of my questions in a timely manner. He found the best deal on a HELOC of the four or five different folks I talked with. Highly recommended.”
“Tim was fantastic through the entire process. Very responsive. I’ve done three refinancings and now one home equity loan and across all four Tim was the best person I’ve worked with. He got us a lower rate than anybody else I spoke with, by a significant amount.”
“Tim is very knowledgeable about the real estate business. I have been buying, selling, and refinancing homes since 1994. It is rare to find someone like Tim who gives you fair, upfront, and sound advice regarding refinancing.”
Investor Education
No rate quotes. No sales pitch. Just clear explanations of how investor loans actually work.
- Stated Income Loans Becoming More Popular
- Mastering Jumbo Mortgages: Financing High-Value Assets Beyond Conforming Limits
- FHA Loans: Low Down Payments and Credit Flexibility for First-Time Buyers and House Hackers
- How much will a $60,000 HELOC cost monthly now that rates have plunged?
- Gen H highlights interest-only option for first-time buyers with variable incomes
Licensed Nationwide
Active in 37 states + DC. Whether your investment property is across town or across the country, I can help.
Ready to Talk Numbers?
Whether you’re tapping equity, buying your first home, or scaling your portfolio, I’ll give you a straight answer on your options. No pressure, no fluff — just the math on your specific deal.
