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Brayan Leyva Gonzalez

One Advisor.
Exceptional Outcomes.

I'm Brayan Leyva Gonzalez — a mortgage loan originator with access to 175+ lenders, based in Orange County, CA. Whether you're purchasing your first home, refinancing to save thousands, or tapping your equity with a HELOC or HELOAN, I personally guide every client from application to closing. No hand-offs, no runaround — just one dedicated team fighting for your best rate.

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Brayan Leyva Gonzalez

Not a Faceless Lender.
Your Personal Advisor.

When you work with me, you're not getting handed off to a processor you'll never meet. I'm your single point of contact from the first phone call through closing day — and beyond. As a broker, I shop your loan across multiple lenders to find the right fit for you.

I specialize in three things and do them well: helping people buy homes, helping homeowners refinance intelligently, and helping clients access their home equity when they need it.

175
Lenders shopped for your best rate
1
Team start to close
(949) 208-7383 bgonzalez@westcapitallending.com

Licensed in 24 States

Branch Manager · West Capital Lending

Home — CA (also DRE licensed) Licensed (24) Not licensed
NMLS 2458782 · 1566096 DRE 2445810 · 02022356

Four Things. Done Right.

I focus on where I deliver the most value. For commercial, investment, or reverse mortgage needs, I connect you with trusted specialists.

Home Purchase

Buying your first home or your next one — I shop across multiple lenders for the most competitive rate and guide you through every step.

Loan types
  • Conventional & Jumbo
  • FHA & VA
  • Pre-approval letters
  • Buyer representation (CA)

Refinancing

Lower your rate, shorten your term, or restructure your debt. I analyze your current mortgage and present options that actually save you money.

Common goals
  • Rate & term reduction
  • Cash-out refinance
  • Debt consolidation
  • Remove PMI
  • Reverse mortgage

Home Equity

Your home has value — put it to work. HELOC and HELOAN products give you flexible access to funds for renovations, debt consolidation, investments, or major expenses.

Options
  • HELOC (line of credit)
  • HELOAN (home equity loan)
  • Home improvement funding
  • Investment capital access

Non-QM & Specialty

Self-employed, investor, or non-traditional income? When conventional lending says no, non-QM programs open doors — with flexible documentation and creative qualifying.

Programs
  • Bank statement loans
  • DSCR (investor)
  • Asset depletion
  • Foreign national
  • Recent credit events

Four Steps to Closing

From first call to closing day, I handle the complexity so you don't have to.

01

Free Consultation

We talk about your goals, timeline, and financial picture. No pressure — just clarity.

02

Complete an Application

Submit your documents and application online. I review your financials and get you pre-approved.

03

Loan Shopping

I compare rates across multiple lenders and present you the best options.

04

Close & Celebrate

I coordinate with all parties for a smooth closing. You get the keys.

What Clients Say on Experience.com

5.0-star rated on Experience.com from verified reviews. Here's what borrowers have to say.

5.0
★★★★★
Verified Reviews · Experience.com
★★★★★
"I had a great experience working with my loan officer. They were professional, knowledgeable, and took the time to answer my questions and make sure I understood everything throughout the process. I especially appreciated their patience, communication, and attention to detail. It's refreshing to work with someone who genuinely cares about their customers and works hard to make the process as smooth as possible. I would highly recommend them to anyone looking for a loan officer they can trust."
TB
Tracey B.
Verified Review · Experience.com
★★★★★
"Talked to a ton of banks and when everyone else failed Brayan got it done and beat all other rates!"
TL
Timothy L.
Verified Review · Experience.com
★★★★★
"I will definitely recommend Brayan Leyva Gonzalez one of my best loan officer that handles my refinance, I have a lot of friends that benefit from him, really a very nice person and a lot of passion with what he is doing."
ER
Edna R.
Verified Review · Experience.com
Read All Reviews on Experience.com

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