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Dream House at the Lowest Mortgage Rates

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Purchase a Home

West Coast Funding and Real Estate Services Inc provides unparalleled customer service and has a proven track record of successful transactions with happy homeowners throughout California.

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If you are looking to refinance your home or are curious about what your options are, let our professional, dedicated, and experienced loan officers guide you

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Tools & Calculators

Browse these tools provided to you on this page. They will help direct any additional questions you may have and assist you in one of the first steps to reaching your financing needs.

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Yelp Reviews "Troy and his team are awesome. Very knowledgably and offers great advice. They are extremely responsive which essential when going through the loan/refinancing process..." Susan M.
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LendingTree Reviews "Great company with excellent service! Will work with them again for any mortgage needs in the near future and will highly recommend to friends and family." Laurie
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Google+ Reviews "What a great home buying experience. The reps are on top of it throughtout the entire process. Automated, quick and easy! Thanks West Coast Funding, again!" Karen M.
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Client Testimonials
  • Quote Rotator

    We had the pleasure to work with West Coast Funding for both our initial home loan purchase and then again for refinancing that same home loan. They worked quickly and professionally and were always in great communication. We would recommend Troy, the owner, and the whole West Coast Funding team to anyone looking for an amazing loan officer!
    Krissy Winnick
    I purchased my house using West Coast Funding. After an exhausting search I determined that West Coast had the absolute best rate for my situation and Troy's team was the most upfront and honest of the companies I dealt with. Everything went really smoothly and my home was purchased with ease. I would highly recommend WCF to anyone looking to purchase a home in California.
    Ben Ribnick
    Talk about getting down to business. Knowledge is power. They have the knowledge. Let’s just say the refinance had some complications. A very skilled group of people maneuvered the process quickly and professionally. They satisfied all outside parties quickly and got the loan through. Great rates, quick response, I am glad they are on my side.
    John Perkins
    Troy's confidence and knowledge, as well as prompt return on every question I had exceeded any customer service I have ever experienced. He made the process easy to understand and disclosed any possible issues that could cause delays or problems. Everything was handled in a very timely, professional manner. Without a doubt, whether we are ready to buy our next house, refinance, or simply ask for advice, Troy will be who I call and continually recommend.
    Jason Ford
    This was our third transaction through Troy Moritz @ West Coast Funding and it was once again a seamless operation. Everyone is highly professional, follows through and delivers what is promised. I will gladly refer Troy to friends and family!
    Erin A.
    Troy and his team are awesome. Very knowledgably and offers great advice. They are extremely responsive which essential when going through the loan/refinancing process. They provide excellent service while being friendly and professional. I highly recommend going through West Coast Funding for all your real estate financing needs. Nothing but GREAT things to say about them. Kudos!!
    Susan M.
    We were lucky enough to receive a recommendation for Troy, when we decided to refinance our home. He was very straightforward and easy to work with. He guided us through each step, answered all our questions, and made the entire process as painless as possible. He worked really hard for us and did not let us down. We highly recommend his services and team at West Coast Funding. You will not be disappointed!
    Nichole F.
    I have been a Realtor for over a decade and have worked with dozens of mortgage lenders and brokers. It is without questions that Troy Mortiz, with West Coast Funding, is one of the best lenders I have had the pleasure to do business with. In fact, Troy's services are so superior he was the lender I selected to refinance my own home. If you are looking for a lender who is experienced, proactive, professional, and trustworthy, I recommend Troy Moritz with West Coast Funding.
    Mark Powell
    Troy and his team enabled me to become a homeowner. When my bank dropped the ball on my loan I thought I wasn't going to close on my house. Troy came highly recommended from a friend and was able to get my loan funded! He answered all my questions, even helped with questions from a real estate agent who was more like a threatening vulture. I'd definitely use him again and have recommended him to my friends in the market.
    Terry Wesley
    My experience with Troy Moritz’s company was perfect. I’ve been through many re-fi’s over the years and yours was the one of the best. His people stayed in contact with me every step of the way. He pushed it through and to my surprise, I believe the entire process took less than 3 weeks. By combining all my mortgages into one loan Troy saved me an estimated $650.00 a month. Plus my pay-off terms were reduced by 10 years. I’d gladly recommend West Coast Funding to anyone.
    Bill Nicklaus
    Troy gave me the best deal out there. I compared with multiple lenders and the others were not even close. I just refinanced with him and it is saving me a ton of money. I highly recommend West Coast Funding.
    Abel M.
    I called Troy and needed some advice on my current mortgage. He helped us refinance 2 months after buying our home & dropped our PMI. I’ve refinanced on previous homes & in comparison, working with Troy was the easiest refinance I’ve gone thru. He did an excellent job of communicating with us throughout the whole process. Going forward, I won’t refinance/purchase with another lender. Highly recommend these guys.
    Chad H.
    We had such a great experience working with Troy Moritz that we used him again when we refinanced a year later. He is honest, on top of things, and I trust him completely. He worked hard to secure us the lowest rate possible and quickly answered any questions we had along the way. I would highly recommend him and his team!
    Jamie M.
    Everything that was promised was delivered. Any questions were quickly answered. Any foreseeable snag in processing was dealt with immediately and efficiently. I would refer anyone seeking a loan to contact Troy at West Coast Funding and Real Estate Services. He instilled trust and delivered with a low interest rate for both a primary and secondary home. Again, if you want someone to give you professional, personal service, I highly recommend Troy/West Coast Funding.
    Linda Calvey
    Troy Moritz is the best broker in the world! No exaggeraton. We've used West Coast Funding for two home loans now. We'll never use anyone else. Troy is honest, savvy, prompt, and knows the business inside out. He's a great problem solver. He keeps his overhead low (unlike the big lending banks) and passes the savings onto his clients. He follows through on his promises. He goes the extra mile. Working with West Coat Funding was an awesome experience! I refer this company with confidence.
    Barrie S.
    My refi closed today! Brandon and the rest of the team got me an awesome rate and terms and it closed in less than 3 weeks. He kept me updated daily and always responded to questions quickly. He treats you as if he is just helping an old friend get a great deal. Very professional and knowledgeable. I can’t wait for rates to drop even more, I will be using them again.
    Frances B.
    I refinanced with Troy from West Coast Funding, and had a top notch experience. He explained things in terms that I completely understood, managed the time-schedule so that all deadlines were met, and gave us the best rate on the market. He took time to explain why his rates were better than my bank's, and made me feel like I was as important as his clients with multiple properties. I highly recommend Troy and his team, and will return to him with my next venture whenever that will be!
    Alan L.
    Troy and his team are excellent at what they do. Which in my case was save me money! If you are looking to refinance or purchase a new home, Troy and West Coast Funding should be your choice. They are professional and straight forward. With Troy you know at all times, what you are going to get and what it is going to cost. Troy and his team leave all of the guessing out of your loan and leave you with a strong sense of trust.
    Sherry T.
    I have been arranging Hard Money Loans in San Diego for the last 26 years. During that time I have seen many Mortgage Companies come and go. I have known Troy Moritz for the last 10 years and I refer all my A Paper Clients to West Coast Funding. He is profession, efficient and honest!
    Paul Rios
    If I hadn’t been referred to Troy, then my wife, I, and our baby would probably still be renting a 2 BR apartment in PB listening to college kids blast music and party til 4 am. He answered his phone, returned calls, was timely, got us a great rate/program, and understood the urgency since we were dealing with a very difficult listing agent. When I overhear people talking about getting a mortgage/refinancing/buying a home, I go out of my way to try to refer Troy at West Coast Funding.
    Ryan Baker
    We have used West Coast Funding and Real Estate Services for two refinances now. I have found working with them to be pleasant and easy. The rates they were able to give us were great and the cost to refi was PERFECT! We will definitely use their services again and I would refer them/him to anyone wishing to refi, which says a lot, because I don't take referrals lightly.
    Jeanette L.
    Troy does an amazing job at evaluating all possible options and discussing the risks/benefits to ensure I understood my choices. He was able to find the best possible rates and close as quickly as possible. He was flexible and willing to work with my crazy schedule and changing needs. Thank you for your hard work!!
    Larissa DAndrea
    We were very fortunate to do our recent VA loan refi with Troy Moritz. He handled everything and kept us informed every step of the way. We cannot recommend him enough. We will use West Coast Funding for our future lending needs.
    Dean Ridgway
    Super easy to work with, Troy is on top of everything, clearly takes pride in his work and the best resource you could ask for if looking to re-finance. Highly recommend.
    Adrian Callaghan
    Brandon Martinez made getting a refi easy and in a short amount of time. We got a great interest rate and Brandon kept us informed throughout the loan process. We certainly wouldn't hesitate to recommend Brandon and WCF to our friends and family. A Big Thank You!
    Roland H.
    During my loan refinance, they were extremely helpful in explaining the process and my options. I never felt taken advantage of and was always given options. They clearly communicated what I needed to provide in order to expedite my refinance and it was done in a very short period of time. In fact, it was done so well that when the interest rates dropped again I re-used them and once again they delivered.
    Will Barley
    This is the first time we have worked with Troy Moritz at West Coast Funding and it was an excellent experience. Troy is an honest professional and gave us all the available options and facts on various loan programs. He guided us all the way and was readily available to answer questions. He is not a pushy salesman and respected our privacy. We have not even met Troy in person but will definitely use Troy's expertise in the future and recommend him to others. Thanks Troy for working hard for us!
    Jose and Rhonda Silva
    I have now refinanced with Troy and West Coast Funding twice. Each time the process was seamless. I could not have asked for a better experience or a better result. Troy and his staff kept me up to date and delivered on every promise they made. I would highly recommend West Coast Funding.
    Rick Pfieffer
    Did everything they said they would do. Very pleasant experience. I have recommended them to several of my friends that were having problems with the people they were working with. My friends have come back to thank me because they were also happy with the experience.
    Mark Summy
    Wow!! What a great experience. I worked with West Coast Funding a matter of months after the original financing of my first house. The service felt like I was working with a personal friend. They were always available to talk and provided me constant updates, feedback as well as identifying potential pitfalls along the way. I go out of my way to tell people about Troy, it is hard to find such great service and it should be shared with friends.
    Daniel C.
    I just wanted to say Thank You for the "Thank You" gift card!!! I am so glad that my trust in you is allowing others to utilize you and your staff's amazing service in accomplishing our financial security!! You truly have made a difference in many decisions made about peoples dreams and future goals. I appreciate you for making me look so smart!!!
    Sandra Burkitt
    Troy was very helpful in securing a loan for us at a great rate. He came through for us in a timely manner. You can trust his word.
    Ingrid M.
    If you are looking to refinance or purchase a new home, Troy and West Coast Funding should be your choice. They are professional and straight forward. With Troy you know at all times, what you are going to get and what it is going to cost. Troy and his team leave all of the guessing out of your loan and leave you with a strong sense of trust.
    Jessup Thibodeau
    Troy and his team are not only professional and friendly, but prompt and efficient.
    Raymond and Wendy Allaire
    Jordan Vautier is the best. Just finished my second re-fi with him and can’t recommend him highly enough. Was very informative, flexible and helpful even though I can be tough to pin down due to my hectic schedule. Saved me a bunch of money and was very easy to work with.
    Daniel Frost
    Thanks to Cody from West Coast Funding. Despite the distance from my home, communication and response time was fantastic, problem resolution and feedback was done in a timely manner, instructions were easy to follow, and the overall service was very good. Will be following up with Cody in 5 months for a interest rate reduction (at no cost to me). I have recommended them to friends and will call them again for my mortgage finance needs in the future. Thanks again Cody and the West Coast Funding team
    Bill M.
    We had a favorable experience working with West coast Funding and Real Estate Services. We refinanced our mortgage loan to a lower rate early in 2013. Everything proceeded punctually, exactly the way we were told it would. Costs were reasonable, and we were treated respectfully. I recommend this business without hesitation.
    Eugene Fairbanks
    Working with Troy was really easy. His rates were so good that I refi'ed my mortgage again when I had just done it a few months earlier.
    Dr. Ian Reilly
    Troy is awesome at what he does. He has helped us with two previous refinances. Both of those times, he approached us with new rates! He knows the market well and has helped lock in some low interest rates. We highly recommend his services!
    Vidhya P.
    What a great home buying experience. The reps are on top of it throughout the entire process. Automated, quick and easy! Thanks West Coast Funding, again!
    Karen Morris
    In the fall of 2011 our prospects of securing a home purchase seemed bleak. No financial institution was willing to work with us. We turned to West Coast Funding as our last resort and we could not have been happier. They made our dream of home ownership become a reality. Since then we have done multiple transactions with them and their services have been unmatched. Brandon is very easy to work with and his deep knowledge of the business makes it easy to complete the tedious loan process.
    Jorge Z.
    We refinanced our home mortgage to get near rock-bottom rates in the middle of 2012, and we were absolutely thrilled with the responsiveness and the results that West Coast Funding got for us. The process was relatively painless and easy, and Brandon really knew how to tailor everything to make it work for us. His customer service and support was the BEST EVER, unlike anything we had ever experienced in mortgage loans before. Our entire neighborhood has used him at least once, he has quite a cult following around here. We highly recommend him!
    Sharon R.
    Brett at West Coast helped me get the mortgage that I wanted where as other lenders stated it couldn’t be done! Thank you Brett! If youre a small business owner, like me, then you know how hard it is to get a mortgage. Call Brett and he will make it happen!
    Najib P.
    The process of finding/securing a home loan can be overwhelming. The team at West Coast streamlined the process and got the loan funded in a timely manor. Thanks Troy
    Adam Baker
    We have used Brandon both to refinance our home and to help our daughter and her husband buy their first home. We've never worked with such a personable yet serious professional who pours his heart and soul into each transaction. He has a way of making you feel like you are his only client. He's our go to guy for all our real estate funding needs. Brandon takes challenges and turns them into successful opportunities. We are happy to refer him to all our friends and family.
    Barbara H.
    Troy helped me secure a loan that others said was impossible. He was professional and easy to work with. I have referred friends and family to him, and all I hear are glowing remarks!
    Dr. Sean Deitch
    Teena just did my VA refinance. She handled everything extremely well. My refinance was very timely and efficient. She kept me informed through the whole process She is very professional and knowledge. I would reference her to anyone I know that will be looking for loan.
    Al Post
    Craig is AMAZING!!! Had a very difficult transaction with a very short close time. He exceeded all expectations. He was a wonderful communicator and kept me informed every step of the way. We closed in 18 days and have a very happy new home owner. Not to mention you can not beat his rates! I would highly recommend Craig to all my friends and family. Thank you!
    Alyssa D.
    Troy and his team were very easy to work with. Buying my new house was a tremendous experience and I felt as though Troy was honest and truly had my best interest at heart. I've already recommended West Coast Funding to many friends and colleagues who are in the market for a new home. I will use West Coast Funding for years to come. Thanks Troy!.
    Ben R.
    Troy is a good friend and I recommended his services to several high net worth clients that were seeking mortgage guidance and a relief to the high fees that their "regular" banks were charging. Troy gave them both. They reported "great service, honest, hard-working and a definite boost to their bottom lines". What more could a business provide?
    Mike M.
    West Coast Funding and Troy Moritz is the best mortgage company I have dealt with over the last forty years and my numerous moves throughout the country. They are very helpful with all aspects of the process and responsive to all of your needs. We have used his services twice in the last five years and have recommended him to anyone who is in need of this service. Those who we have recommended him to have been as happy with his services as we were.
    Paul Brauchmann
    I would like to say you and your staff were top notch in refinancing my loan. I was very surprised it only took three weeks until closing. Your quotes and prompt actions got me the loan I was looking for that no other funding source could match. I would highly recommend WEST COAST FUNDING to my friends, family and associates looking for excellent service with an excellent loan.
    Rick Kawa
    Lowest rates and lowest fees I’ve ever seen. I am a serial rate shopper and West Coast Funding beat them all. Congrats to you Troy Moritz.
    Shawn and Vicki L.
    I have used West Coast Funding to refinance 3 times now, and have had nothing but an excellent experience both times. My refinances were always very timely, very efficient, and everyone we encountered was professional, courteous, and prompt. The rates were great, and the price for the refi can't be beat! I continually refer my friends and coworkers to this service for their loans, and everyone has been pleased with their experience as well.
    Andrea D.
    Thank you Troy, Brandon and the rest of his team, you guys delivered as you said you would! I was concerned about the refi process, thought it was going to be drawn out and extremely tedious. It was everything but that, Brandon explained everything that was needed and within no time I had a notary at the house to sign my loan docs! Brandon always kept me posted throughout. Thanks again West Coast team, I look forward to using you again for any of my future real estate needs!
    Alex Polonsky
    Troy Moritz is the only person I would trust with any of my real estate financing needs. 2 thumbs way up!!
    Whitney C.
    Troy has been absolutely superb with my property refinances for many years. We have optimized my multiple loans and he has been quite savvy with the timing of my loans. I had tried some other companies in the past, but nobody beats Troy for hard work, communication, and honesty. I'll only go with Troy Moritz when it comes to mortgage loans. Best in the business. Everyone I've recommended to Troy has been extremely satisfied!
    Dr. David Hackley
    West Coast Funding got an amazing deal for my refinancing, saving me a ton of money. With my unusual prior financial situation, my refi got a little complicated, but Mr. Troy Moritz of WCF went up to bat for me and handled everything like smooth sailing, leaving very little work for me to do. Troy is very professional, has excellent communication skills, and is extremely knowledgeable in the real estate business, which leaves me absolutely confident that I got the best possible deal in the market.
    Daniel Conley
    We recently refinanced with West Coast Funding. I was referred to Troy Moritz by my brother-in-law who had nothing but rave reviews about West Coast Funding. Troy and his staff were wonderful and beyond helpful! Quick, easy, and painless transaction. I would recommend anyone and everyone to West Coast Funding.
    Melissa M.
    West Coast Funding is awesome did a great job with my refi and quick too!
    Maribel M.
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    Corporation DRE# 01525145
    Broker NMLS# 237912
    Corporation NMLS# 258500