Mortgage Broker · Licensed in 25+ States

The Mortgage Guy
You Keep for Life

I'm Korbin Spangenthal, VP at West Capital Lending. Run your numbers right here, send me your scenario, and I'll shop 180+ lenders for the right fit — then guide you personally from first call to closing day, and every move after.

Run My Numbers ↓ Get Pre-Qualified →

180⁺

Lenders Shopped

25⁺

States Licensed

5.0^★

Client Rating

Meet Korbin

Korbin SpangenthalVice President · West Capital Lending · NMLS #2079029

Korbin Spangenthal 949-751-1870 Send a Text

30-Second Estimate

Run Your Numbers First

No application, no credit pull, no phone call required. Get a realistic monthly payment and cash-to-close estimate — then send it to me if you want the real version.

Home price

Down payment $100,000

Loan type

Interest rate

Conventional: as little as 3% down. Under 20% down adds PMI until you reach about 20% equity.

Est. monthly payment

$3,303

30-year fixed · principal, interest, taxes, insurance & mortgage insurance

Loan amount$400,000

Principal & interest$2,594

Taxes & insurance (est.)$708

Mortgage insurance—

Est. cash to close$113,900

Educational estimate only — not a Loan Estimate, rate quote, or approval. Assumes a 30-year fixed, ~1.2% property tax, ~0.5% homeowners insurance, and ~2.25% closing costs plus prepaids. Your numbers depend on credit, income, property, and program.

Want to go deeper? Affordability Amortization Rent vs. buy Closing costs Savings plan HELOC equity

Start Here

What Are You Trying to Do?

Pick your situation. Each path gives you something to read and something to run — before you ever have to talk to anyone.

🏡

Buy a home

First home or next one — what you can afford, what you'll need saved, and what the process looks like start to finish.

ReadThe process, start to finish RunWhat can I afford?

📉

Lower my rate or payment

A refinance only makes sense if the math does. See what a new payment looks like and what it takes to break even.

Read5 ways to a lower rate RunEstimate a new payment

🏦

Cash out or use my equity

Keep your low first-mortgage rate and tap equity with a HELOC — or compare it to a cash-out refi. Both paths, explained.

ReadHELOC vs. cash-out refi RunSee my available equity

🏘️

Buy an investment property

Rentals, multi-unit, DSCR — financing that qualifies on the property's cash flow instead of your tax returns.

ReadInvestor loan options RunEstimate the payment

🐖

Save for a down payment

Not ready yet? Set a target, see the monthly number that gets you there, and learn the ten steps before step one.

ReadFirst-time buyer roadmap RunBuild my savings plan

🤔

Not sure yet

Comparing options, weighing timing, or just thinking out loud — that's exactly what the scenario desk is for.

ReadCommon questions, answered AskSend Korbin my scenario

Or browse everything: Calculators Guides & Glossary Digital HELOC Loan Programs Articles

The Scenario Desk

Send Me Your Scenario.
I'll Send Back an Honest Read.

You don't have to apply to get a straight answer. Tell me what you're working with — price range, timeline, what you're weighing — and I'll come back with real options, real numbers, and my honest take. Sometimes that's "let's go." Sometimes it's "let's wait." Either way, you'll know where you stand.

I'm a husband and a dad based in South Florida, and I'm licensed in real estate as well as lending — so I've sat on both sides of the closing table. I know what a clean, on-time closing means to everyone in the room, and I know the right loan isn't always the lowest rate. It's the structure that fits your life. That's what I'll look for.

Korbin SpangenthalVice President · West Capital Lending · NMLS #2079029

Prefer to talk? Call or text 949-751-1870 · Email me · Book a time

Tell me what you're working with

Goes straight to my inbox — usually a same-day reply from me, not an automated sequence.

Name

Phone

Property state

What's the goal?

Describe the situation

The Mortgage GuyYou Keep for Life