Phil HageyLoan Officer · West Capital Lending · NMLS 1198482 Start my estimate
Two-story farmhouse-style home with a covered front porch and glowing windows under a warm sunset sky

Phil Hagey · Loan Officer, West Capital Lending

Your home, your plan, a loan that fits.

I help clients tap home equity, refinance, consolidate debt and buy homes. Tell me what you're trying to accomplish, and I'll compare options from multiple wholesale lenders and tell you straight what fits.

Let's talk: 949-864-1497Send me a message
Phil Hagey, Loan Officer at West Capital Lending
Phil HageyLoan Officer · NMLS 1198482949-864-1497
Since 2014Helping clients with home financing
14 states + DCLicensed, from Hawaii to Ohio
Broker accessMany wholesale lenders, one conversation

How I work

Three habits I've kept for about 12 years in this business.

Your goal comes before the product

Lower payment, cash for a project, paying off cards, a new home? I ask first, then build the loan around the answer.

I compare lenders for you

As a broker, I'm not limited to one bank's menu. I look at how different lenders would treat your scenario and bring you the best fit I find.

I'll tell you if waiting is smarter

If the numbers don't help you today, I'll say so and explain what would need to change. No pressure, ever.

Loans I help clients with

Every option depends on credit approval and eligibility. Your first quote from me is an estimate, with every number written out.

Renovated kitchen with a white island and wood bar stools

HELOC & home equity loans

Borrow against your equity and keep your existing first mortgage. Choose a flexible line or a fixed lump sum.

Traditional brick two-story home with a tidy front yard

Cash-out refinance

Replace your mortgage with a larger one and take the difference in cash, all in a single payment.

Sunlit room with plaster walls, a wooden chair and warm wood beams

Rate-and-term refinance

Change your rate, term or loan type to lower your payment or pay off your home sooner.

Lived-in family room with a comfortable sofa, soft throws and warm light

Debt consolidation

Use equity to roll higher-interest balances into one payment, with an honest look at the total cost.

Craftsman bungalow with a covered front porch surrounded by autumn trees

FHA options

Government-insured loans with more flexible credit guidelines, often helpful for lower credit scores.

Classic two-story craftsman home with a wraparound front porch

Purchase & pre-approval

Know your budget before you shop, with a pre-approval sellers and agents can rely on.

Did a bank turn you down?

One lender's "no" is one lender's rules. Situations I'm glad to take a second look at:

  • Credit that's still recoveringScores below what your bank wanted.
  • Self-employed incomeWrite-offs that make tax returns look thin.
  • High debt-to-incomeBalances that consolidation might reshape.
  • Recent life changesNew job, divorce, or a gap in income.
  • Lots of equity, little cashHomeowners who want to keep their low first rate.
  • Unusual propertiesCondos, multi-unit homes and more.

A second look isn't a guarantee. Every loan is subject to credit approval and eligibility.

Digital HELOCs, without the drawn-out process

Several lenders I work with offer online HELOC applications, e-signatures and, in some cases, automated home valuations in place of a full appraisal. For the right client, that can mean funds much sooner than a traditional equity loan.

Timing, appraisal requirements and availability vary by lender, subject to approval.

  1. We talk about how much you need and what it's for.
  2. I compare HELOC and home equity offers across lenders.
  3. You apply online and sign digitally.
  4. The lender verifies value and income, then you close.
Couple sharing a meal they cooked together at a wood counter in a warm stone-walled kitchenPhil Hagey, Loan Officer at West Capital Lending

About Phil Hagey

I'm Phil Hagey, a loan officer with West Capital Lending, Inc. (company NMLS 1566096), based at our office in Irvine, California. I've worked in mortgage lending since 2014, which is about 12 years of helping homeowners and buyers make sense of their options. My individual NMLS number is 1198482.

West Capital Lending is one of the largest mortgage brokers in the US, so I can shop a client's scenario with many wholesale lenders rather than one. I focus on HELOCs and home equity loans, cash-out and rate-and-term refinancing, debt consolidation, FHA loans for clients with lower credit scores, and purchase pre-approvals. I'm licensed in Colorado, District of Columbia, Florida, Hawaii, Idaho, Iowa, Kansas, Michigan, Minnesota, New Mexico, North Dakota, Ohio, Oklahoma, Texas and Utah.

— Phil

Frequently asked questions

What's the difference between a HELOC and a home equity loan?

A HELOC is a revolving line of credit you draw from as needed, usually with a variable rate. A home equity loan pays you one lump sum up front, usually with a fixed rate and a fixed payment. Both are second liens that leave your first mortgage in place.

Can I get a HELOC with a credit score under 680?

Sometimes. Many lenders want 680 or higher, but some wholesale lenders accept lower scores with more equity or other strengths in the file. Because West Capital is a broker, I can check several lenders' guidelines for your situation. All approvals depend on credit and eligibility.

Should I do a cash-out refi or keep my low rate and add a HELOC?

If your current first mortgage rate is well below today's market, keeping it and adding a HELOC or home equity loan is often cheaper overall. A cash-out refinance can make more sense when your current rate is close to market or you want one single payment. I run both side by side so you can compare.

Can I use home equity to consolidate debt?

Yes. Many clients use a cash-out refinance, HELOC or home equity loan to pay off higher-interest credit cards or loans. It can lower monthly payments, but it moves that debt onto your home, so we look at the total cost and the long-term plan together.

What are FHA loans and who are they for?

FHA loans are government-insured mortgages with more flexible credit and down payment guidelines than many conventional loans. They can be a good fit for buyers or homeowners with lower credit scores. They carry mortgage insurance, which I'll explain clearly up front.

How long does a HELOC take to close?

Some lenders offer digital HELOCs that can close in days, and some use automated valuations instead of a full appraisal. Timing and appraisal requirements vary by lender and are subject to approval.

What do I need to get pre-approved to buy a home?

Typically recent pay stubs or income documents, W-2s or tax returns, bank statements, and permission to review your credit. We start with a conversation about your goals and budget, then I give you an estimate and a pre-approval you can shop with.

Who is Phil Hagey?

Phil Hagey is a loan officer with West Capital Lending, Inc. in Irvine, California. He has originated mortgages since 2014, about 12 years, and focuses on HELOCs, home equity loans, refinancing, debt consolidation, FHA loans and purchase pre-approvals. His NMLS number is 1198482.

What states is Phil Hagey licensed in?

Phil Hagey is licensed in Colorado, District of Columbia, Florida, Hawaii, Idaho, Iowa, Kansas, Michigan, Minnesota, New Mexico, North Dakota, Ohio, Oklahoma, Texas and Utah. You can verify his license on NMLS Consumer Access using NMLS 1198482.

Family holding hands, silhouetted against a warm orange sunset

Let's start with a quick conversation

No application needed to talk. Tell me what you're hoping to do, and I'll tell you honestly whether and how I can help.

Let's talk: 949-864-1497Start my estimate

Contact me

Phone / text
949-864-1497
Email
Phagey@westcapitallending.com
Message
Send me a message
Office
17911 Von Karman Ave, Suite 400
Irvine, CA 92614

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