Your first home
starts with knowing
your numbers.

Hi, I'm Craig Blondin, Mortgage Loan Officer at West Capital Lending. I help first-time buyers navigate every step — from understanding your budget to holding your pre-approval letter. No jargon, no pressure.

Start Pre-Approval 📅 Schedule Appointment
3 min to get a rate estimate
No hit to your credit score
100% fee-free to apply
Craig Blondin
Craig Blondin
Mortgage Loan Officer · West Capital Lending
NMLS #2680811 · West Capital Lending NMLS #1566096
Licensed in CA · DE · MD · PA · VA
📞 (302) 420-4314 ✉ cblondin@westcapitallending.com 📅 Schedule a Call
Mortgage Calculator
$2,186/mo P&I*
Home Price $
$50K$2M
Down Payment $0
Example Rate
%
Loan Term
Loan Amount
$385,000
0% down
Down Payment
$0
30yr fixed
Get pre-approved →

* For illustration only. This is not an offer, a rate quote or a commitment to lend. The 5.5% rate is an example you can change; it is not an Annual Percentage Rate (APR). The payment shown is principal and interest (P&I) only. It does not include property taxes, homeowners insurance, HOA dues or mortgage insurance, which is required on FHA loans and on most conventional loans with less than 20% down, so your actual payment will be higher. No-down-payment financing is available only through VA and USDA loans for eligible borrowers. Your actual rate, APR and payment depend on your credit, loan program, property and market conditions, and will appear on your Loan Estimate. West Capital Lending, Inc. · NMLS #1566096 · Equal Housing Lender.

Craig's Process
Three simple steps to
owning your first home
01
🏠

Explore Your Budget

Answer a few quick questions about your income, savings, and goals. We'll show you a realistic home price range and estimated monthly payments — instantly, no signup needed.

02
📋

Get Pre-Approved

Start your application online in about 10 minutes. We begin with a soft credit check (no score impact), and once your information is reviewed and verified you'll receive a pre-approval letter to share with sellers. Pre-approval is not a commitment to lend.

03
🔑

Close with Confidence

Your dedicated mortgage advisor walks you through every step — from offer to closing day. We handle the complexity so you can focus on finding the perfect place to call home.

Programs Available
Loan options for all kinds
of buyers.

Eligibility, down payment, rates and terms vary by program and depend on your credit, income, assets, property and location. Not all applicants will qualify. Down payment and closing cost assistance comes from third-party programs with their own requirements and limited funds. West Capital Lending is not affiliated with or acting on behalf of the VA, HUD/FHA, USDA or any government agency.

Many conventional loans look for a score of 620 or higher, and FHA guidelines allow lower scores. Minimums vary by program and lender. We'll review your situation and walk you through the loan options that fit where you are today.
It's often less than people expect. Conventional and FHA loans offer low down payment options, and VA loans (for eligible veterans and service members) and USDA loans (for eligible rural properties) can require no down payment. Requirements depend on the program and your qualifications, and we'll help you find the programs you qualify for.
Our initial pre-approval uses a soft inquiry that has no impact on your credit score. A hard inquiry only happens when you formally submit a full mortgage application — and we'll let you know before that happens.
It depends on your situation and how quickly your documents come in. Straightforward files can move quickly, often within a day or two once everything is submitted. Craig will keep you updated and answer questions throughout.
Typically: 2 years of W-2s or tax returns, recent pay stubs, 2–3 months of bank statements, and a government-issued ID. Self-employed? We specialize in bank statement loans and alternative income verification.
Start Your Journey
Start your pre-approval
in just a few minutes.

Share a few details and Craig will personally reach out with your options. No hard sell — just honest mortgage guidance from a real person.

By clicking “Send My Info to Craig,” you agree that Craig Blondin and West Capital Lending, Inc. may contact you at the phone number and email you provided, including by calls and text messages that may use automated technology or prerecorded messages, about your mortgage inquiry and related loan options. Consent is not a condition of any purchase or loan. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help. See our Privacy Policy.

This is not a loan application or a commitment to lend. No hard credit inquiry will be made at this stage. Please don't include your Social Security number or account numbers. Questions? Call (302) 420-4314 or email cblondin@westcapitallending.com. West Capital Lending, Inc. · Equal Housing Lender · Craig Blondin NMLS #2680811 · West Capital Lending NMLS #1566096.

Website Privacy Policy

Effective October 7, 2026

This policy explains how Craig Blondin, Mortgage Loan Officer (NMLS #2680811) with West Capital Lending, Inc. (NMLS #1566096), collects and uses information through craigblondinmortgage.com. It covers this website only. If you apply for a loan, West Capital Lending's Privacy Notice, provided with your application, explains how your financial information is handled under federal law.

Information we collect

Information you give us. Your name, email, phone number and any details you choose to share in the inquiry form or chat assistant, such as income, estimated credit score, target home price, down payment and the type of loan you're interested in.

Website usage. Basic, aggregated visit statistics such as pages viewed, referring site and device type, collected through a privacy-focused analytics tool that does not use cookies.

Please don't enter your Social Security number, bank or account numbers, or other sensitive financial information on this website.

How we use it

To respond to your inquiry; to contact you about mortgage options by phone, text and email as you've agreed; to help you start an application if you choose to; to keep records required by law; and to improve this website.

How we share it

We share your information with West Capital Lending, Inc. and with service providers that help us operate, including form processing, our customer relationship and texting system, appointment scheduling, the chat assistant and the online application portal. They may use it only to provide services to us. We may also disclose information when required by law or by regulators. We do not sell your personal information or share it with other companies for their own marketing.

Calls and text messages

If you agree, we may contact you by call or text, including through automated technology. Message frequency varies, and message and data rates may apply. Reply STOP to any text to opt out, or HELP for help. Consent is not required to obtain a loan, and opting out will not affect any loan application.

The chat assistant

The chat on this site is an automated assistant, not a live person. It asks a few questions to help Craig understand what you're looking for, and your answers are shared with Craig so he can follow up personally. It does not provide rate quotes, loan approvals or commitments to lend.

Links to other sites

This site links to services such as the online application portal, Calendly scheduling and NMLS Consumer Access. Those sites have their own privacy policies.

Security and retention

We use reasonable safeguards to protect your information, but no method of transmission over the internet is completely secure. We keep information only as long as needed to respond to you and as required by law.

Your choices

You can ask us to update or delete the information you submitted, or to stop contacting you, by using the contact information below. California residents may have additional rights under the California Consumer Privacy Act, including the right to know, correct and delete personal information. We do not sell or share personal information for cross-context behavioral advertising. Some information related to financial products is governed by federal privacy law instead.

Children

This website is intended for adults and is not directed to children. We do not knowingly collect information from anyone under 18.

Changes

We may update this policy from time to time. The effective date above shows when it was last changed.

Contact

Craig Blondin · (302) 420-4314 · cblondin@westcapitallending.com
West Capital Lending, Inc. · 24 Executive Park, Suite 250, Irvine, CA 92614
Craig Blondin · West Capital Lending
Automated assistant · Craig follows up personally
You're chatting with an automated assistant, not a person. It can't quote rates or approve loans. Please don't share your Social Security number or account numbers. Privacy Policy