5-Day HELOC · Irvine, CA · Licensed in 21 states

Your home equity,
funded in 5 days.

Most lenders take two to six weeks. We apply in minutes, decide fast, and fund in five business days — with no up-front fees.

No SSN. No credit pull. Just a conversation.
Prefer the phone? Call (949) 877-3786 — our assistant answers 24/7.

4.8 · 4,278 Google reviews · West Capital Lending
Devon Linkon, Executive Branch Manager at West Capital Lending
Devon LinkonExecutive Branch Manager · NMLS #1987809
The problem

Slow money costs you money.

Picking a lender is the one decision that changes the math. Most homeowners never compare.

2–6 weeks

What a typical HELOC takes to fund

Banks and credit unions often run 30 to 40 days. We fund in five business days.

Bankrate; Chase
~50%

Of borrowers only consider one lender

Almost half never shop before applying. They take the first answer they get.

CFPB National Survey of Mortgage Borrowers
$600–$1,200 / yr

Saved by comparing multiple lenders

Two quotes can save $600 a year. Four or more can save over $1,200.

Freddie Mac research, 2023
90+

Lenders we shop for you

As a broker, we compare offers across 90+ lenders. You get one call, not forty.

West Capital Lending
Try it live

Talk to it before you talk to me.

This is the exact assistant that answers our HELOC calls, any hour. Ask it what you would ask me.

  • Ask how much you could qualify for
  • Ask what "no up-front fees" actually means
  • Ask it to book a time on my calendar
Or book Devon directly

Uses your microphone. About two minutes. No SSN, no credit pull.

How it works

Three steps. Five business days.

01

Apply in about five minutes

Online, from your couch. Most people finish the application in under ten minutes.

02

Get a fast answer

Initial feedback within minutes. Loans under $400,000 usually skip the appraisal entirely.

03

Sign remotely, fund in five days

Close with a remote online notary. Funds land in five business days.1

No SSN required to talk Zero impact to your credit to ask Your information is never sold
Fees

No up-front fees.

$0 to apply, to ask, to find out

  • Nothing out of pocket to apply or get an answer
  • Any costs shown in writing before you sign, never before
  • Zero closing cost options on most scenarios
  • Draw what you need, when you need it2
The cost of waiting

Meanwhile, the card keeps charging.

~22% APR

That is the average rate on credit card balances carrying interest. Home equity is usually far cheaper.

Federal Reserve G.19, 2026

Six weeks of waiting on a slow lender is six weeks of paying that rate.

House keys, a navy folder and coffee on a kitchen table
Why Devon

Local. Focused. Fast.

Based in Irvine, licensed in 21 statesA real office at 17911 Von Karman Ave, and a team that picks up.
HELOCs are what we doHome equity is our specialty, not a side product. Self-employed? Bank-statement programs available.
4.8 stars across 4,278 reviewsFast closings and quick funding are the words that show up most.
No cost to find outIf it is not a good fit, we will say so. You lose nothing by asking.
Call (949) 877-3786

Ready in five days?

Two minutes with our assistant gets you on Devon's calendar. Or skip the line and call.

Call (949) 877-3786