Mortgage Loans for Homebuyers,
Self-Employed Borrowers and Investors
Purchase and refinance loans for homeowners, plus bank statement and DSCR loans for self-employed borrowers and investors. WestPac Lending is a mortgage banker that directly funds many loans.
- Founded in 1999
- NMLS #264390
- Mortgage Banker
Find the Right Loan for Your Situation
Start with the program that matches your goal. Each card opens a full guide with requirements, FAQs and next steps.
Home Loans
Self-Employed and Investor Loans
Financing for Every Kind of Borrower
Every situation is different. Here is where most of our clients start.
Homebuyers and Homeowners
Buy, refinance or tap equity with conventional, FHA and jumbo options.
Purchase and refinance
Self-Employed Borrowers
Qualify on how your business actually earns, not only on your tax returns.
Self-employed options
Real Estate Investors
DSCR, fix-and-flip, private money and multifamily financing for your portfolio.
Investor loans
Veterans and Military Families
Use your VA home loan benefit to buy or refinance, with no down payment for eligible borrowers.
VA home loans
A Clear Process From Start to Closing
A real person you can call at every step.
-
1
Tell us your goal
Share what you want to do and a few details about your income and property.
-
2
Compare your options
We review the programs that fit and explain the tradeoffs in plain language.
-
3
Apply and send documents
Apply online and upload the documents your program requires.
-
4
Underwriting and closing
We keep you updated through approval, appraisal and closing.
New to buying a home? The Consumer Financial Protection Bureau's Buying a House guide explains each step of the mortgage process.
A Founder-Led Lender With 26+ Years of Experience
Steve Rivas founded WestPac Lending in 1999 in Southern California. Today our team helps homebuyers, homeowners, self-employed borrowers and real estate investors find financing that fits.
- A mortgage banker. WestPac Lending directly funds many loans, with access to additional lending options when another program suits your loan better.
- Traditional and non-QM under one roof. Conventional, FHA, VA and jumbo loans alongside bank statement, DSCR and private money.
- Straight answers. If a program isn't a fit, we'll tell you why and what could work instead.
Founded in 1999 by Steve Rivas
Steve Rivas, NMLS #287708
What Our Clients Say
Reviews from WestPac Lending clients and real estate partners on Google.
"Steve has decades of experience. He's helped me multiple times and never let me down. Highly recommend."
"I was blown away by Steve's knowledge of lending. He walked our client step-by-step through the process and answered every single question with such ease. Not only did he guide him through the transaction; he gave him great advice for the future. I highly recommend him and will definitely be using him again."
"I truly appreciate the discipline and strong systems Steve Rivas and his team have in place. The entire transaction was smooth from start to finish. His experience and knowledge are a great asset and make a real difference in getting deals closed efficiently. I strongly recommend him."
Mortgage Tools and Guides
Run the numbers and learn the basics before you talk to a loan officer.
Common Questions About WestPac Lending
Where is WestPac Lending licensed?
Consumer mortgage loans are offered by Savi Ranch Financial, Inc. dba WestPac Lending, NMLS #264390, licensed in California (DRE Real Estate Broker License #01268597), Colorado and Florida. See our licensing page for details.
What is the difference between a mortgage banker and a mortgage broker?
A mortgage banker can fund loans directly, while a mortgage broker arranges loans through other lenders. WestPac Lending operates as a mortgage banker and directly funds many loans, and still has access to additional lending options when another program is a better fit.
Can I get a mortgage if I'm self-employed?
Often, yes. Depending on your situation, you may qualify with tax returns on a traditional loan, or with bank statements, a profit-and-loss statement, 1099s or assets on a non-QM loan. Approval depends on your full credit, income and property profile.
Do you lend to real estate investors in other states?
Yes. Business-purpose loans for non-owner-occupied investment property, such as DSCR, fix-and-flip and private money loans, are offered through Savi Ranch Capital, LLC dba WestPac Lending in 39 states. Availability varies by program and property.
How do I get started?
Call us at (888) 944-6262, fill out the quote form below or apply online. A WestPac Lending loan officer will review your goals and walk you through your options.
Talk to WestPac Lending About Your Options
Buying, refinancing or investing, tell us a little about your goals and a loan officer will follow up with options worth comparing. No pressure and no obligation.
Request a Free Quote
A WestPac Lending mortgage professional will review your request and follow up with possible options.
Submitting this form is a request for information, not a mortgage application, preapproval or commitment to lend. Review our Privacy Policy and Communications Policy.
Loan programs, rates, fees, terms and eligibility vary and can change without notice. Not every borrower, property or transaction will qualify. This page is for information only and is not a commitment to lend, prequalification, preapproval or rate lock.
Consumer mortgage loans: WestPac Lending is a DBA of Savi Ranch Financial, Inc., NMLS #264390. Licensed in California (DRE Real Estate Broker License #01268597), Colorado and Florida. See state licensing and NMLS Consumer Access. Equal Housing Lender.
Business-purpose loans: DSCR, private money, fix-and-flip and commercial loans are offered through Savi Ranch Capital, LLC dba WestPac Lending. They are for non-owner-occupied investment or commercial property only, are not consumer loans and are not available in all states.