Purchasing & Refinancing

Secure Real Estate Financing Built for Your Investment Goals

At WesAmerica Mortgage Corporation, we offer tailored financing solutions for property buyers and current owners looking to optimize their mortgage. Whether you’re purchasing a primary residence, acquiring an investment property, or refinancing to unlock equity, our team delivers fast, flexible options aligned with your strategy.

Flexible Loan Structures

Fast Closings & Low Rates

Expert Lending Support

Tap Into Home Equity

Make Property Ownership a Reality—Fast

Home Purchase Loans

WesAmerica Mortgage Corporation offers home purchase financing designed for speed, flexibility, and investor needs. Whether you’re acquiring a primary residence, vacation home, or rental property, we use asset-based underwriting to fast-track your approval and closing—typically within 5–10 days.

Quick Turnaround

We beat industry delays by providing fast-track approvals and closings—skipping the usual red tape and saving you valuable time.

Flexible Underwriting

Asset-driven evaluations mean borrowers with A–D credit scores can qualify based on property value, not just credit or income .

Flexible Docs

Borrowers can qualify using alternative documentation—bank statements, DSCR, ITIN, or alt-doc programs

Broad Loan Size Range

Support for loan amounts from $100,000 to $20 million ensures both entry-level and high-investment buyers are served.

Lower Your Monthly Payments or Pay Off Your Loan Sooner

Rate & Term Refinance

WesAmerica Mortgage Corporation offers Rate & Term Refinance solutions to help borrowers improve loan terms—whether by securing a lower interest rate, reducing monthly payments, or shortening the loan duration. This option is ideal for those who want to restructure their existing real estate financing without pulling out equity.

Lower Monthly Payments

Reduce your financial burden with better rates and extended loan terms tailored to your goals and property type.

Faster Loan Payoff

Switch to a shorter loan term and build equity faster—saving thousands in long-term interest payments.

Flexible Credit Acceptance

We work with A–D credit tiers, approving borrowers other lenders overlook by focusing on property strength.

Streamlined Closings

Our expert team delivers fast approvals and seamless documentation to get your loan refinanced without delays.

Unlock Equity, Fuel Growth—Your Property, Your Capital

Cash-Out Refinance Solutions

A cash-out refinance allows you to tap into your property’s equity and convert it into working capital—ideal for funding renovations, paying off debt, or investing in new opportunities. WesAmerica Mortgage Corporation offers fast, asset-based refinancing with flexible terms, minimal documentation, and approval focused on your property’s value rather than your credit score.

With loan amounts from $100K to $20M, we help you leverage your real estate to unlock liquidity—without selling your asset. Our streamlined process ensures fast approvals and closings in as little as 5–10 days, so you can move forward without delays.

Access Capital Quickly

Get funding in 5–10 days by refinancing your equity into cash. No long waiting periods—just fast, flexible liquidity to fuel your next move.

No Sale Required

Unlock property value without selling. Keep ownership while generating capital to expand, renovate, or pay off high-interest liabilities.

Flexible Credit Considerations

We work with all credit tiers (A–D) and prioritize property value over credit metrics, making refinancing accessible for more borrowers.

Use Funds Your Way

There are no restrictions—use your cash for renovations, investments, business growth, or any other financial priority you choose.

Funding Solutions Built for Real Estate Success.

Why Choose WesAmerica Mortgage Corporation

Fast Approvals & Closings

Secure your property quickly with funding in as little as 5–10 days. Our streamlined process eliminates delays and helps you move forward confidently, whether you're refinancing or purchasing. We prioritize speed without compromising on service or quality.

Wide Loan Ranges: $100K–$20M

Whether you're acquiring your first home or refinancing a larger investment, WesAmerica offers scalable financing solutions. With loan amounts ranging from $100,000 to $20 million, we’re equipped to support residential, mixed-use, and commercial real estate projects of all sizes.

Flexible Credit-Friendly Underwriting

We work with A to D credit tiers using asset-based underwriting. Whether you're a first-time buyer or an experienced investor, WesAmerica structures deals around your unique financial situation—not rigid credit requirements—making financing more accessible and tailored to your goals.

In-House & Private Lending Access

Get the best of both worlds with WesAmerica’s direct funding options and strong private investor network. We structure deals that match your timeline and strategy, giving you access to competitive terms, flexible capital, and multiple funding paths under one trusted source.

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Our lending experts are ready to discuss your goals and deliver the right purchasing or refinancing solution.

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Southwest Regional Office