YOUR HOME LOAN MATCHMAKER • JONNELLE CATO
Your Goals. Your Property. The Right Financial Strategy.
Helping homebuyers, real estate investors, and homeowners unlock opportunities through personalized mortgage solutions.
182+ Wholesale Lenders
Unmatched loan diversity with top rates and terms.
5-Day HELOC Funding
Unlock your home equity rapidly without losing your 1st rate.
Write off too much? Commission only? FICO in 500's?
Flexible Non-QM, DSCR, and Bank Statement approvals.
Multi-State Licensed
Licensed CA Real Estate Agent & nationwide broker reach.
FLEXIBLE FINANCING PROGRAMS
Specializing in Home Loan Products for Every Financial Background
Whether you are self-employed, expanding a real estate portfolio, or recovering from credit challenges with scores down to 500, our specialized loan programs offer clear pathways to homeownership and investment growth.
Take a look at some of our popular loan products and niche lending solutions.
DSCR Investor Loans
Qualify based purely on the rental cash flow of the subject property rather than personal income or tax returns. Ideal for scaling residential portfolios.
- No personal tax returns or W-2s required
- Supports short-term and long-term rentals
- Unlimited financed properties permitted
Bank Statement Loans
Designed for self-employed professionals, 1099 contractors, and business owners who maximize write-offs and prefer verifying gross cash flow deposits.
- 12 to 24 months business or personal statements
- No tax return or P&L submission needed
- Loan amounts up to $3M+ supported
Reverse Mortgages
Enables homeowners age 62 and older to unlock home equity into tax-free proceeds without required monthly principal and interest mortgage payments.
- Eliminates mandatory monthly mortgage payments
- Available as lump sum, credit line, or monthly payout
- Retain full title and ownership of your home
Non-QM Mortgages
Custom underwriting built for borrowers outside standard agency boxes, including asset depletion, recent credit events, or foreign national applicants.
- Credit scores down to 500 accommodated
- Asset utilization & 1099-only options
- Shorter seasoning after bankruptcy or foreclosure
FHA Loan Programs
Government-backed financing designed to assist first-time and repeat buyers with accessible credit criteria and low initial down payment options.
- Down payment as low as 3.5% (580+ credit)
- Financing available down to 500 FICO (10% down)
- Gift funds fully allowed for down payment
Conventional Loans
Industry standard Fannie Mae and Freddie Mac conforming financing offering competitive interest rates for primary residences, secondary homes, and investments.
- Down payments as low as 3% for qualified buyers
- Cancelable private mortgage insurance (PMI)
- Fixed & ARM terms across 15, 20, and 30 years
VA Military Loans
Honoring our veterans, active-duty service members, and eligible spouses with zero down payment financing and industry-low mortgage rates.
- 0% down payment required on purchases
- No monthly private mortgage insurance (PMI)
- Flexible qualifying guidelines for service personnel
Chattel & Mobile Loans
Specialized lending programs for manufactured homes, modular units, and mobile properties on leased land, in parks, or situated on private ground.
- Financing for homes in parks and communities
- No requirement to own the underlying real property
- Streamlined approvals and dedicated terms
Unsure Which Loan Program Matches Your Profile?
I specialize in analyzing your unique income, assets, and credit situation to structure the most competitive financing solution.
MEET YOUR LOAN OFFICER
Hi, I'm Jonnelle Cato,
Your Home Loan Matchmaker
As a dedicated Branch Manager with West Capital Lending, Inc., a licensed California Real Estate agent, and a Mortgage Loan Originator licensed across 25 states, I have spent more than 7 years helping individuals, families, and investors secure financing that truly fits their long-term wealth goals.
I partner with an elite wholesale network of 180+ competitive lenders. This independence allows me to custom-shop the country's best loan programs across all residential property types - whether you are purchasing your very first home, stepping up to your dream estate, expanding an investment portfolio, or extracting hard-earned equity through strategic refinancing.
NMLS #1863244 | CA DRE #02181157
7+ Years
Dedicated Mortgage Business & Lending Experience
25 States
Licensed Mortgage Loan Originator Across the US
180+ Lenders
Wholesale Lending Network With Competitive Programs
All Residential
First Homes, Move-Up Purchases & Investment Portfolios
FAST-TRACK HOME EQUITY ACCESS
Unlock Your Home Value With The 5-Day HELOC
Access up to 90% of your equity in as little as 5 business days with a streamlined digital process. No in-person appraisals, no piles of paperwork, and transparent terms built around your financial freedom.
- Fast funding ready in as little as 5 days
- 100% online application with instant automated verification
- Keep your low primary mortgage rate intact
- Pay interest only on what you withdraw
Secure 256-bit encrypted portal - No impact to your credit score to check pre-approval
Jonnelle Cato | NMLS #1863244 | CA DRE #02181157 | Equal Housing Lender
West Capital Lending NMLS #1566096 | DRE #02022356
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West Capital Lending, Inc. is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract) because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act.