Institutional Leverage.
Key Access to Home Equity, DSCR, & Investor Financing.
National Wholesale Pricing for Your
Local Real Estate Market.
Extensive Network
We bypass traditional retail banks to access a direct wholesale channel of 180+ lenders nationwide, securing the most favorable pricing and terms available for your specific scenario.
Simplified Qualification
No tax returns. No DTI. If the property cash flows, you qualify. We specialize in asset-based solutions that removes the personal income hurdles of traditional lending.
Strategic Execution
We align your specific scenario to the exact lender that favors your asset class and investment strategy. We manage the entire process to cut out weeks of back-and-forth, often closing in 10–21 days.
Your Roadmap to Funding
We bridge national wholesale capital to emerging local markets. From application to closing, every step is crafted for ease, speed, and confidence.
Complimentary consultations. No commitment required.
Share Your Scenario
Tell us about your goals in our 2-minute questionnaire to identify your best funding path.
Refine the Strategy
We’ll connect briefly to align your specific needs with the right loan structure.
Secure Your Best Terms
We leverage our 180+ wholesale channel to secure your best terms. You get custom financing strategies, transparent pricing, and clarity at every stage.
Execute and Finalize
We handle the heavy lifting of underwriting by resolving technical hurdles before they become delays. Our team simultaneously manages the complex coordination of title, appraisal, and insurance, supporting an industry-leading closing timeline of 10–21 days.
Fund and Grow
Your wealth journey doesn’t end at the closing table. We continue to track market shifts and institutional pricing to ensure you are always positioned for the next profitable move in your real estate journey.
Frequently Asked Questions
Got questions? Here are answers to common queries before starting your home loan journey with us.
What types of loans do you offer?
We specialize in a range of mortgage options including fixed-rate, adjustable-rate, FHA, and VA loans to help you find the best solution for your needs.
How long does the mortgage approval process take?
The process typically takes between 30 to 45 days, depending on the type of loan and individual circumstances. We ensure a smooth and timely experience.
Will my loan application be optimized for the best rate?
Yes, we work with you to secure the most competitive rates based on your financial profile and the type of mortgage you're applying for.
Can you help with refinancing existing loans?
Absolutely! We offer refinancing options to help you reduce your monthly payments or secure a lower interest rate.
Do you provide ongoing support after the loan is approved?
Yes, our team offers continuous support throughout the life of your loan, ensuring you’re informed about your mortgage and any potential opportunities for improvement.
What do I need to provide to get started?
To begin, we’ll need basic financial information such as proof of income, credit history, and identification. Our team will guide you through the required documentation.
Financing that breaks barriers. Empower your homeownership journey with us.
Delivering personalized, dynamic mortgage solutions that engage clients and drive real results.
Experiences That Build Trust
We transform your mortgage services into clear, engaging, and impactful experiences. Every detail, from the messaging to the visuals, is designed to enhance your brand and connect with potential homeowners.
Expert Loan Guidance
We provide clear, personalized advice to help clients make informed mortgage decisions.
Smart Loan Strategy
Tailored solutions that align with your clients' goals, driving better results and trust.
Consistent Support
Reliable service that adapts to clients' needs, ensuring a smooth journey every step.
Meet the Team
Licensed Mortgage Loan Originator, Branch Manager
Investment Property Specialist
NMLS 2323468 | DRE 02307384
Polly Ing
Direct: (949) 880-6003
Loan Coordinator
Elena Vance
Office: (949) 828-5560
Loan Originator Assistant
Cameron Zerega
Office: (949) 828-5560
What Our Clients Say
We’re proud of our work—here’s what our clients have to say about partnering with us:
Client-Focused Approach
"I had a property in that most local banks wouldn't even look at. Instead of a flat "no", Polly used her network to find a lender and got the loan through. I was able to continue to do what I need to do."
Richard J.
Birmingham, AL
Trusted Advice
"As an investor, I don't just need a rate, I need a strategy. She walked me through three different options for my portfolio and showed me exactly which one maximized my cash flow for the long haul. That kind of unbiased advice is hard to find."
Silas K.
Kansas City, KS
Streamlined Process
Speed and clarity is everything. She handled all the back-and-forth with the lenders. The process was incredibly tight, but every hurdle was cleared well before the deadline. It was the smoothest closing I’ve had in years.
Anthony H.
Montgomery, AL
Grow Your Portfolio
We focus on delivering clear, informative messaging that fosters trust and credibility. Every detail is crafted to connect with homebuyers, ensuring our message inspires confidence and drives results.
Start Today to Get Your Free Quotes
© 2026 Ing Lending Team of West Capital Lending, Inc. All Rights Reserved.
Individual Licensing: Polly Ing, Branch Manager, NMLS 2323468, DRE 02307384
Company Licensing: West Capital Lending, Inc. 17911 Von Karman Ave Suite 400, Irvine, CA 92614, NMLS 1566096, DRE 02022356
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