See your mortgage options now.
Why shop one bank? With GetRateNow, you get a real mortgage professional to guide the process — and through West Capital Lending, access to a network of approximately 175 wholesale mortgage lenders.
What are you looking to do?
Where is the property?
Tell us about the property.
How would you describe your credit?
How do you document income?
Where should we send your options?
You're ready to start.
You get Stan. Stan gets you access.
GetRateNow brings a personal approach to mortgage shopping: a real person they can identify and contact directly, backed by the reach of a broad wholesale mortgage network.
Your point of contact is Stanley “Stan the Loan Man” La Ferr, Branch Manager and Mortgage Loan Originator with West Capital Lending. Behind that relationship is access to West Capital Lending’s network of approximately 175 wholesale mortgage lenders.
Meet Stan before taking the next step. Learn about his background, explore his market commentary, and start with a conversation about your goals.
Your scenario can be reviewed against relevant programs available through West Capital Lending’s broad wholesale lender network rather than beginning and ending with one institution’s product menu.
Ready to compare options or still preparing? Start where you are. A complimentary Loan-Ready Plan can help you identify priorities and understand your next steps.
Get loan-ready.
Start with Stan.
You don’t need to have everything figured out to take the first step.
Whether you’re buying your first home, planning a refinance or simply wondering where you stand, get a personalized plan to help you prepare for your next mortgage conversation.
Complimentary planning guidance. No obligation to apply.
Pre-launch preview: explore the planning questions. Requests are not sent yet.
- 01
Understand your starting point
Review your credit profile, monthly obligations, savings and income documentation.
- 02
Know what to focus on
Identify practical priorities that may strengthen your borrowing position.
- 03
Prepare with a clear checklist
Understand the documents and funds to prepare for your financing goal.
- 04
Plan your next conversation
Agree on a check-in to review progress and reassess relevant mortgage options.
The plan provides mortgage preparation guidance, not a credit repair service or a commitment to lend. Credit-score changes, approval and loan terms are not guaranteed. Planning guidance is complimentary; any separate credit-report or loan-related costs will be explained before you choose to incur them.
A simpler way to start shopping for a mortgage.
GetRateNow is designed to make mortgage shopping easier: start once, then explore relevant options available through a network of 175 wholesale mortgage lenders.
Tell us what you need
Answer a short set of questions about your property, financing goal and borrower profile.
Explore wholesale options
Your scenario can be reviewed against relevant programs available through West Capital Lending’s network of 175 wholesale mortgage lenders.
Review before you move
Compare the terms that matter—rate, APR, payment, points, fees and program structure—before deciding what comes next.
Why shop one bank when you can start with 175 wholesale lenders?
Rate is important, but it isn't the only variable. Loan structure, points, lender fees, documentation requirements, prepayment terms and speed can all affect the right fit.
GetRateNow starts with your scenario and helps identify relevant wholesale programs—not every lender or program will fit every borrower, but a broad network creates more paths to explore.
One inquiry. 175 wholesale lenders.
Start with a few questions and explore relevant mortgage options through a broad wholesale network.
A simpler way to shop for a mortgage.
One starting point, a broad wholesale lender network, and a licensed mortgage professional to help make sense of the options.
A personal relationship. A broader view of your options.
GetRateNow was created by Stanley “Stan the Loan Man” La Ferr, a Branch Manager and Mortgage Loan Originator with West Capital Lending in Irvine, California.
Stan built GetRateNow around a simple idea: you should know who will help you before you start a mortgage inquiry. Meet your mortgage professional, understand the next steps, and have a familiar point of contact as you explore your options.
Personal guidance, wherever you are starting.
If you are ready to borrow, explore relevant programs through Stan and West Capital Lending’s wholesale lender network. If you are planning ahead, start with a complimentary Loan-Ready Plan focused on your credit profile, monthly obligations, savings and documentation.
You can review Stan’s professional background at StanTheLoanMan.com and read his mortgage, Treasury and housing-market commentary at MortgageAndRealEstateWatch.com.
The experience centers on one relationship, clear next steps and broad lender access, with guidance to help you understand the rate, payment, costs and loan structure relevant to your situation.
Explore Get Loan-Ready with Stan
Not every lender or program is available for every borrower, property, state or scenario. Mortgage terms and eligibility depend on borrower qualifications, property details, market conditions, lender guidelines and applicable licensing. Final production privacy, consent and data-routing practices should match the disclosures shown on the site and West Capital Lending requirements.
About Stan the Loan Man
See the experience and background of the mortgage professional who will be your primary point of contact.
Mortgage & Real Estate Watch
Follow Stan’s commentary on mortgage rates, Treasury yields, housing trends, economic data and the forces shaping borrowing costs.
Start with your financing goal
Answer a few simple questions and begin exploring relevant mortgage options through the wholesale network.
Know what happens next.
Do I need to be ready to apply to work with Stan?
No. Get Loan-Ready with Stan is designed for people who are still preparing, as well as those considering their next move. Your plan can identify priorities around credit, monthly debt obligations, savings and documentation.
Is the Loan-Ready Plan really complimentary?
Yes. There is no fee for the planning guidance and no obligation to apply. Separate credit-report or loan-related costs, if applicable, will be explained before you choose to incur them. Online plan requests are not yet active in this pre-launch preview.
Will the plan guarantee a higher credit score or loan approval?
No. It provides personalized mortgage preparation guidance. Outcomes depend on your circumstances, credit reporting, lender requirements and other factors. The plan is not a credit repair service, preapproval or commitment to lend.
Is GetRateNow a lender?
Draft answer: GetRateNow is a mortgage inquiry and comparison experience operated by or in connection with a licensed mortgage loan originator and approved lending platform. Final language should match your company and compliance requirements.
Will I see a guaranteed rate immediately?
No. Mortgage pricing depends on factors including credit, property, occupancy, loan amount, documentation, market conditions and lender guidelines. Any initial information is for comparison and discussion until formally quoted and, where applicable, locked.
What kinds of mortgage scenarios can be reviewed?
Purchase, refinance, cash-out, home equity and selected alternative-documentation scenarios can be routed for review, subject to licensing, lender availability and program guidelines.
Is my information secure?
The production site should use encrypted transmission, an approved secure form platform, privacy disclosures and compliant data handling. This prototype does not collect or transmit borrower information.