West Capital Lending, Inc. · Troy, Michigan
Adam DeCraene | Mortgage Loan Originator in Troy, Michigan — Licensed in 34 States + DC
Adam DeCraene (NMLS# 2811542) is a Mortgage Loan Originator with West Capital Lending, Inc., based at 755 West Big Beaver Rd, Suite 1725 in Troy, Michigan. Instead of being limited to one bank's products, he shops 175 wholesale lenders to match each borrower with the right loan — for home purchases, refinances, HELOCs, VA, FHA, jumbo, investor, reverse mortgage, and commercial loans across the 34 states and District of Columbia where he is licensed.
NMLS# 2811542 · CA DRE #02448241
Why borrowers choose Adam
One loan officer. 175 wholesale lenders working for your loan.
A bank can only sell you its own products. Through West Capital Lending, Adam compares wholesale offers from 175 lenders — so the loan is chosen because it fits your situation, not because it's the only one on the shelf.
Wholesale lender relationships
West Capital Lending maintains relationships with 175 wholesale lenders nationwide, giving Adam pricing and program options a single retail bank can't match.
Licensed where you are
Adam is personally licensed in 34 states and the District of Columbia — so buyers relocating, investing out of state, or purchasing a second home can work with one originator.
Full-service lending, incl. commercial
Purchase, refinance, two distinct HELOC products, VA, FHA, jumbo, Non-QM/DSCR investor loans, self-employed and first-time buyer programs — plus commercial lending and reverse mortgages, all through West Capital Lending.
Loan programs
Every major loan program, under one roof
Each program below is a real specialty with its own underwriting rules. Open "See details" on any program for who it's for, typical requirements, what to watch for, and answers to common questions — then talk to Adam about which one fits your credit profile, income type, and property.
Home Purchase
Financing for primary homes, second homes, and investment property — with your application shopped across 175 wholesale lenders for the right structure and terms.
See details
Who it's for
Anyone buying a primary residence, a second home, or an investment property — from first-time buyers to experienced owners who want one application compared across many lenders instead of a single bank's menu.
Key requirements
- Down payment typically ranges from 0% (VA, if eligible) or 3–3.5% (conventional / FHA for eligible buyers) up to 20% or more
- Credit requirements vary by program — conventional typically starts around 620, with FHA and VA offering more flexible paths
- Standard documentation: income, employment, assets, and debts are verified
- The property must appraise at or above the purchase price and meet the program's standards
What to watch for
Your cash to close is more than the down payment — closing costs commonly add about 2–5% of the loan amount, and your monthly payment typically includes tax and insurance escrows. A strong pre-approval matters: sellers weigh it heavily when offers compete.
Common questions
How much do I actually need for a down payment?
It depends on the program: typically as low as 0% for eligible VA buyers, 3% for eligible conventional buyers, and 3.5% for FHA. Adam matches your profile to the lowest-down option you qualify for.
Should I get pre-approved before I start house hunting?
Yes — a pre-approval confirms your budget before you shop and shows sellers your financing is real, which can decide between competing offers.
Refinance
Rate-and-term and cash-out refinancing. Adam compares your current loan against live wholesale options to see whether a refinance actually improves your position.
See details
Who it's for
Homeowners who want a lower rate or payment, a shorter loan term, mortgage insurance removed, a different loan type — or cash out of their equity for renovations, debt consolidation, or other goals.
Key requirements
- Two basic types: rate-and-term (change the rate and/or term) and cash-out (borrow more than you owe and take the difference in cash)
- Conventional cash-out refinances are typically capped at about 80% of the home's value
- Income, credit, and the property are re-verified; an appraisal is usually required
- Closing costs commonly run about 2–5% of the new loan amount
What to watch for
A refinance restarts the loan clock: a lower payment on a fresh 30-year term can still cost more in total interest than keeping your current loan. What matters is the break-even — how long the monthly savings take to repay the closing costs. Run your own numbers in the Refinance vs. HELOC Calculator on this page before you decide.
Common questions
How long does a refinance take to pay for itself?
Divide the closing costs by your monthly savings — that's your break-even in months. If you'll move or refinance again before then, the refinance may never pay off. The calculator below works it out with your numbers.
Is a refinance or a HELOC better for getting cash?
A refinance replaces your whole mortgage at today's rates; a HELOC keeps your current mortgage untouched and borrows only what you need. If your current rate is well below today's rates, the HELOC often wins — the Refinance vs. HELOC Calculator compares both over your time horizon.
HELOC — Two Options
Two different home equity lines of credit: one for well-qualified borrowers that pays principal and interest, and one that starts interest-only — a fit for flexible-credit borrowers and for borrowers who strategically want a lower initial payment. They are not interchangeable — see the comparison below.
See details
Who it's for
Homeowners with equity choosing between two distinct products: HELOC #1, a principal-and-interest line for well-qualified borrowers, and HELOC #2, which starts interest-only — built for flexible-credit borrowers and for borrowers of any credit strength who strategically want a lower initial payment for cash flow or investment reasons.
Key requirements
- HELOC #1 minimum FICO depends on the product and occupancy type: Core HELOC 640 owner-occupied · 680 non-owner-occupied; Near Prime HELOC 600 owner-occupied (second lien only); DSCR 660
- HELOC #1 can be used for primary, secondary, and investment properties
- Sufficient home equity is required, and the property is valued as part of underwriting
What to watch for
HELOC rates are typically variable, so your payment can rise if rates climb. With HELOC #2's interest-only start, payments don't reduce the balance during that period and increase when principal repayment begins. Read the full comparison in the HELOC section, and model HELOC vs. refinance in the calculator before choosing.
Common questions
Which of the two HELOCs fits me?
If you have strong credit and want the balance paid down from day one, that's HELOC #1. If your credit is less than perfect — or you deliberately want the lowest initial payment — that's HELOC #2. Adam will tell you honestly which one you qualify for.
Is a HELOC rate fixed?
HELOC rates are typically variable and tied to an index, so the rate and payment can change over time. Ask Adam how the specific product you're considering adjusts, and use the calculator's +2% rate-rise check to see the impact.
Conventional Loans
The standard for qualified buyers: fixed and adjustable terms for primary, second, and investment homes, with down payment options that vary by profile and property type.
See details
Who it's for
Buyers and homeowners with established credit who want the standard benchmark loan — for a primary home, second home, or investment property — including mortgage insurance that can eventually go away.
Key requirements
- Typically 620+ credit
- As low as 3% down for eligible buyers; 5% or more is common, and second homes and investment properties typically require more
- Private mortgage insurance (PMI) applies when you put less than 20% down
- Loan amounts up to the conforming limit, which adjusts annually
- Standard documentation of income, assets, and employment
What to watch for
PMI adds a monthly cost until you build roughly 20% equity. Your rate also depends heavily on your credit-score tier and down payment, so two "conventional" quotes from different lenders can differ significantly — which is why shopping 175 lenders matters.
Common questions
Can I really buy with 3% down?
Eligible buyers can — typically on a primary home. PMI applies until you reach about 20% equity.
When can PMI be removed?
Typically you can request removal once you reach 80% loan-to-value, and it terminates automatically at 78% on the original amortization schedule. Appreciation or extra principal payments can get you there sooner — Adam can walk through the timing.
FHA Loans
Government-backed financing with flexible credit guidelines and low down payment options — a common path for first-time buyers and borrowers rebuilding credit.
See details
Who it's for
First-time buyers and borrowers with lower credit scores or limited savings who need flexible qualification — a common first step onto the property ladder.
Key requirements
- 3.5% down with a credit score of 580 or higher; 10% down at 500–579
- Upfront and annual mortgage insurance premiums (MIP) are required
- The property must meet FHA health, safety, and condition standards
- Gift funds for the down payment are typically allowed from eligible sources, with documentation
What to watch for
Unless you put 10% or more down, FHA mortgage insurance typically stays for the life of the loan — many borrowers later refinance into a conventional loan to drop it. FHA loan limits also vary by county, and individual lenders may set minimum credit scores above FHA's floor.
Common questions
What credit score do I need for an FHA loan?
Typically, 580 or higher qualifies for the 3.5% down payment, and scores from 500–579 require 10% down. Lender guidelines can be stricter — Adam shops across lenders for the fit.
Can I use gift money for my down payment?
Yes, typically — FHA allows gift funds from family and other eligible sources, documented with a gift letter and a paper trail.
VA Loans
Home financing for eligible veterans, active-duty service members, and surviving spouses — including no-down-payment purchase options for those with entitlement.
See details
Who it's for
Eligible veterans, active-duty service members, and qualifying surviving spouses buying a primary residence.
Key requirements
- A Certificate of Eligibility (COE) confirming your VA benefit — Adam can help you obtain it
- Typically 0% down for borrowers with full entitlement
- No monthly private mortgage insurance
- A one-time VA funding fee applies — it can usually be financed into the loan, and some veterans are exempt
- The home must be your primary residence and meet VA minimum property requirements
What to watch for
If you finance the funding fee, it raises your loan amount and the interest you pay over time. And while the VA itself sets no minimum credit score, lender credit and income standards still apply.
Common questions
Do I need a down payment on a VA loan?
Typically no — eligible borrowers with full entitlement can buy with 0% down.
What is the VA funding fee?
A one-time fee that helps sustain the VA loan program. It varies with your service category, down payment, and whether it's your first use of a VA loan; veterans receiving VA disability compensation are typically exempt.
Jumbo Loans
Financing above conforming loan limits for higher-priced homes — especially relevant in Adam's high-equity markets like California, Washington, Colorado, and DC.
See details
Who it's for
Buyers and homeowners financing higher-priced homes — loan amounts above the conforming limit — especially in high-cost markets like California, Washington, Colorado, and DC.
Key requirements
- Typically stronger credit — often 700 or higher
- Commonly 10–20% down
- Larger cash reserves remaining after closing are typically required
- Full income and asset documentation; appraisal requirements can be stricter, sometimes two appraisals on very large loans
What to watch for
Jumbo underwriting is more detailed and timelines can run longer than conforming loans. Because each lender sets its own jumbo guidelines, pricing varies more between lenders than on standard loans — comparing offers matters more here, not less.
Common questions
What makes a loan "jumbo"?
The loan amount exceeds the conforming loan limit for conventional loans, which adjusts annually. Above that line, you're in jumbo territory.
How much do I need to put down on a jumbo loan?
Commonly 10–20%, depending on the loan amount, property type, and your credit and reserves.
Non-QM / DSCR / Investor Loans
For investors and borrowers whose income doesn't fit a standard pay-stub mold: DSCR loans qualified on property rental income, bank-statement programs, and other Non-QM options.
See details
Who it's for
Real estate investors building a rental portfolio, and borrowers with strong real-world finances whose paperwork doesn't fit standard guidelines — the self-employed, commissioned earners, and asset-rich buyers.
Key requirements
- DSCR loans qualify on the property's rental income and debt-service coverage ratio — not your personal income or tax returns
- DSCR minimum FICO is 660, the same guideline shown in the HELOC #1 details on this page
- Non-QM options include bank-statement loans (typically 12 or 24 months of statements) and asset-based qualification
- Investor loans typically require larger down payments (often 20–25%) and cash reserves
What to watch for
Non-QM and DSCR rates and fees are typically higher than conventional loans, and some investor loans carry prepayment penalties — ask before you sign. DSCR approval hinges on documented or projected rent covering the payment at the lender's required coverage ratio.
Common questions
What is a DSCR loan?
A loan qualified on the property's cash flow: if the rent covers the mortgage payment at the lender's required coverage ratio, the property itself carries the approval — no personal income documentation required.
Do I need tax returns for a Non-QM loan?
Typically no — bank-statement and asset-based programs exist specifically to qualify you on deposits or assets instead of tax returns.
Self-Employed Borrowers
Business owners, freelancers, and 1099 earners whose tax returns understate their real income can use alternative documentation programs instead of being turned away.
See details
Who it's for
Business owners, freelancers, contractors, and 1099 earners whose tax returns — full of legitimate write-offs — understate the income they actually live on.
Key requirements
- Bank-statement programs typically use 12 or 24 months of personal or business bank statements to calculate income
- 1099-earner and profit-and-loss (P&L) statement options are also available as alternatives to tax returns
- Your business generally needs to be established and still active; exact documentation varies by program
- Credit score, down payment, and reserve guidelines still apply
What to watch for
The write-offs that lower your tax bill also lower the income a standard loan can count — that's exactly the problem these programs solve. Deposits need to be consistent and explainable, and alternative-documentation rates are often somewhat higher than full-documentation rates.
Common questions
Can I get a mortgage without using my tax returns?
Yes — bank-statement programs typically average 12 or 24 months of deposits to establish income, and 1099 or P&L options exist as well. Adam compares which documentation shows your strongest picture.
How long do I need to have been self-employed?
Typically at least one to two years depending on the program, with the business still active. Guidelines vary across the 175 lenders Adam shops — bring your scenario.
First-Time Homebuyers
A guided path from pre-approval to closing: down payment options, credit preparation, and clear explanations of every step — no jargon, no pressure.
See details
Who it's for
Buyers who haven't owned a home in the past three years — the general definition of a first-time buyer — who want a guided, plain-English path from pre-approval to closing day.
Key requirements
- Low-down-payment paths: typically 3% down conventional, 3.5% down FHA, or 0% down VA if you're eligible
- The same credit and income documentation as any purchase loan — Adam helps you prepare it step by step
- Down-payment assistance programs may be available; they vary by state, and Adam is licensed in the 34 states plus DC listed on this page
What to watch for
Budget beyond the down payment — closing costs, moving costs, and a starter emergency fund. Assistance programs can carry income limits, property limits, extra paperwork, and sometimes repayment or recapture terms, so review the fine print with Adam before counting on one.
Common questions
Am I a first-time buyer if I owned a home years ago?
Generally yes — if you haven't owned a home in the past three years, most programs treat you as a first-time buyer again.
How much money do I need saved to buy my first home?
Your down payment — as low as 3–3.5% on common programs, or 0% for eligible VA buyers — plus closing costs. Adam will map your exact numbers before you start shopping.
Commercial Lending
Commercial real estate financing through West Capital Lending — for investors and business owners acquiring or refinancing commercial property.
See details
Who it's for
Investors and business owners buying or refinancing commercial real estate through West Capital Lending — from small multifamily buildings to owner-occupied business property.
Key requirements
- Property types include multifamily (5+ units), mixed-use, retail, office, and industrial
- Typically 20–30% down
- The property's income and the borrower's business financials are both reviewed
- Timelines are typically longer than residential loans — plan accordingly
What to watch for
Commercial underwriting weighs the property's cash flow and your experience as a borrower as much as your credit. Terms also differ from residential loans — amortization periods, balloon payments, and prepayment terms all deserve a careful read before you commit.
Common questions
What kinds of commercial property can be financed?
Multifamily with 5 or more units, mixed-use, retail, office, and industrial properties are the common categories.
How much do I need to put down on a commercial loan?
Typically 20–30%, depending on the property type, its income, and your profile as a borrower.
Reverse Mortgage
For homeowners age 62+ who want to tap home equity without a required monthly mortgage payment — most commonly through an FHA-insured Home Equity Conversion Mortgage (HECM).
See details
Who it's for
Homeowners age 62 and older who plan to stay in their primary residence and want to convert part of their home equity into cash — to supplement retirement income, cover major expenses, or create a financial cushion — without a required monthly mortgage payment.
Key requirements
- Typically for homeowners age 62+ (HECM); the home must be your primary residence
- The most common type is the FHA-insured Home Equity Conversion Mortgage (HECM)
- An independent HUD-approved counseling session is typically required for a HECM before applying
- You keep title and ownership of your home, and you must still pay property taxes and homeowners insurance and maintain the home
- Proceeds are typically available as a lump sum, monthly payments, a line of credit, or a combination
What to watch for
The loan balance typically grows over time as interest accrues, which reduces the home equity that remains. Upfront and ongoing FHA mortgage insurance and closing costs apply. The loan typically becomes due when the home is sold, you permanently move out, or you pass away — and because it affects inheritance and estate plans, discussing it with family first is wise.
Common questions
Do I give up ownership of my home with a reverse mortgage?
No — you keep title and ownership of your home, the same as with a traditional mortgage. The lender places a lien on the property, but the home remains yours.
When is a reverse mortgage repaid?
Typically when the home is sold, you permanently move out, or you pass away. A HECM is a non-recourse loan, so neither you nor your heirs owe more than the home's value when it is sold to repay the loan.
Not sure which fits?
That's the point of shopping 175 lenders. Bring your scenario — credit, income, property, timeline — and get matched to the program built for it.
Call or text 949-393-6360 →The guidelines above are typical — they vary by lender and by borrower profile, and they can change without notice. Because Adam shops 175 wholesale lenders, the program that fits you may be more flexible than the typical guideline shown. Nothing here is a rate quote, an offer of credit, or a commitment to lend; all loans are subject to credit review and full underwriting approval. For the guidelines that apply to your exact scenario, talk to Adam DeCraene, Mortgage Loan Originator, NMLS# 2811542.
Home equity lines of credit
Two HELOCs. Two very different borrowers.
Adam offers two separate HELOC products because the right way to borrow against your home depends on both your credit profile and your payment strategy. Pick the one that matches yours — or ask, and he'll tell you honestly which you qualify for.
The Principal + Interest HELOC
Built for borrowers with strong credit and solid equity who want the most cost-effective way to borrow against their home.
- Pays both principal and interest from the start — your balance goes down with every payment
- Best-fit option for well-qualified borrowers
- Can be used for primary, secondary, and investment properties
- Draw on your equity for renovations, consolidation, or major purchases
- Minimum credit score (FICO) — minimum FICO depends on the product and occupancy type:
- Core HELOC: 640 owner-occupied · 680 non-owner-occupied
- Near Prime HELOC: 600 owner-occupied (second lien only)
- DSCR: 660
Credit score guidelines can change without notice and are minimums, not a guarantee of approval. All applications are subject to full underwriting review and approval.
Apply for HELOC #1The Interest-Only HELOC
Starts as interest-only — a fit for flexible-credit borrowers, and for borrowers who strategically want an interest-only payment.
- Designed for less-than-perfect credit profiles — a path to your equity when traditional lenders say no
- Also a strategic choice: borrowers of any credit strength pick it to keep the initial payment lower, manage cash flow, or put their equity to work in an investment strategy
- Starts as interest-only — lower payments at the beginning
Important disclosure: This HELOC starts as interest-only. During the interest-only period, your payments do not reduce the loan balance, and payments will increase when the principal-repayment period begins. Review the full terms before applying.
Apply for HELOC #2Decision tool
Refinance vs. HELOC Calculator
Should you refinance your whole mortgage, or keep it and add a HELOC for the cash you need? Enter your own numbers below. The comparison counts everything — monthly payments, closing costs, and the balance you'd still owe at the end of your time horizon — because a refinance restarts the loan clock, and the lowest first payment isn't always the lowest total cost.
Your numbers
The pre-filled figures are examples only — replace them with your own. They are not current rates, quotes, or offers.
Enter your numbers to see the comparison.
Option A — Refinance everything
One new loan replaces your current mortgage and includes the cash you need.
$0 New monthly principal & interest- New loan amount
- $0
- Closing costs
- $0
- Balance still owed after 7 yrs
- $0
- Total cost over 7 years
- $0
Option B — Keep mortgage + HELOC
Your current mortgage stays as-is; a HELOC covers just the cash you need.
$0 Combined monthly payment to start- Current mortgage payment
- $0
- HELOC payment (to start)
- $0
- Blended rate (mortgage + HELOC)
- 0%
- HELOC closing costs / fees
- $0
- Balance still owed after 7 yrs
- $0
- Total cost over 7 years
- $0
Refinance break-even
If the HELOC rate rises 2%
How "total cost" is calculated: every payment you would make during your time horizon, plus that option's closing costs, plus the loan balance still owed at the end of the horizon. That keeps the comparison honest — a refinance that restarts a 30-year clock isn't flattered by a lower payment alone.
Estimates only. This calculator is an educational estimate — not a rate quote, an offer of credit, a commitment to lend, or financial advice. The rates and costs shown are numbers you enter; actual rates, terms, and fees depend on credit profile, property, and lender approval, and may change. HELOC rates are typically variable and can rise or fall after closing. For exact numbers on your situation, talk to Adam DeCraene, Mortgage Loan Originator, NMLS# 2811542 — call or text 949-393-6360.
Payoff tool
Mortgage Calculator With Extra Payments
What happens if you pay a little extra toward principal each month — or add a lump sum or an extra payment once a year? Enter your loan below and see the two numbers that matter: how much sooner you'd be mortgage-free, and how much interest you'd save.
Your loan & extra payments
The pre-filled figures are examples only — replace them with your own. They are not current rates, quotes, or offers.
Enter your numbers to see how much sooner you could pay off your loan.
Without extra payments
Your loan on its standard schedule.
$0/mo Standard monthly principal & interest- Payoff time
- —
- Total months to payoff
- —
- Total interest paid
- —
With extra payments
Same loan, with the extra principal you entered.
— New payoff time- Total months to payoff
- —
- Total interest paid
- —
- Monthly payment (standard + extra monthly)
- —
Estimates only. This calculator is an educational estimate based on a true month-by-month amortization — not a rate quote, an offer of credit, a commitment to lend, or financial advice. It shows principal and interest only and excludes taxes, insurance, HOA dues, and mortgage insurance (PMI/MIP). The final payment is adjusted so the balance never goes below zero. When you make extra payments on a real loan, designate them as principal with your loan servicer so they reduce your balance instead of prepaying interest. For exact numbers on your situation, talk to Adam DeCraene, Mortgage Loan Originator, NMLS# 2811542 — call or text 949-393-6360.
Michigan hub · Home base
Mortgage Loan Originator in Michigan
Adam's home base is Troy, Michigan — serving Metro Detroit and homebuyers, homeowners, and investors across the state.
Buying a home in Michigan? From first homes in Oakland and Macomb County to move-up purchases across Metro Detroit and beyond, Adam DeCraene helps Michigan buyers get pre-approved with confidence — with their application shopped across 175 wholesale lenders rather than a single bank's menu.
Already own in Michigan? Rising Michigan home values mean many homeowners are sitting on significant equity. Adam can walk you through a rate-and-term or cash-out refinance, or either of his two HELOC options — the principal-and-interest HELOC for well-qualified borrowers, or the interest-only HELOC for flexible-credit borrowers and borrowers who strategically want a lower initial payment — and explain plainly which one your profile fits.
Investing in Michigan property? DSCR and other investor loans, plus commercial lending through West Capital Lending, are available for rental and commercial properties across the state.
- Purchase loans for Michigan buyers at every experience level
- Refinance reviews against 175 wholesale lenders
- Two HELOC options for Michigan home equity
- VA and FHA loans for Michigan veterans and first-time buyers
- DSCR / investor loans for Michigan rental property
- Commercial lending through West Capital Lending
Troy, Michigan Office
Adam DeCraene — The Lending Leader
West Capital Lending, Inc.
755 West Big Beaver Rd, Suite 1725
Troy, MI 48084
Call or Text: 949-393-6360
Office: 949-404-5396 (voice only)
Email: adecraene@wclloans.com
NMLS# 2811542 · CA DRE #02448241
Michigan Payment Estimator
Estimate only, for illustration. It uses a rate you enter — it is not a rate quote, an offer, or a commitment to lend. Taxes, insurance, and mortgage insurance are not included. Talk to Adam for a real, personalized quote.
Where Adam is licensed
Licensed in 34 states and the District of Columbia
Adam DeCraene is personally licensed as a mortgage loan originator in the following 34 states plus DC. Featured markets are highlighted first; the full licensed list follows.
Client reviews
What Adam's clients say
Adam's review profile is growing — and it's real. Every rating shown here comes from his verified Experience.com profile, where past clients rate their actual loan experience. As more of his borrowers leave reviews, that profile will keep building. Read the reviews for yourself, and if Adam has helped you with a loan, your honest review helps the next borrower find him. Adam DeCraene works with West Capital Lending, Inc., which holds an A+ rating from the Better Business Bureau. West Capital Lending is rated 4.8 out of 5 across more than 4,600 borrower reviews collected from Google, Facebook, and other review platforms.
Read Reviews on Experience.comAbout
Meet Adam DeCraene — "The Lending Leader"
Adam DeCraene is a Mortgage Loan Originator with West Capital Lending, Inc., working under the brand "The Lending Leader." His office is at 755 West Big Beaver Rd, Suite 1725, Troy, MI 48084, and he is licensed in 34 states and the District of Columbia.
His approach is built on choice: because West Capital Lending maintains relationships with 175 wholesale lenders, Adam can shop a borrower's scenario widely — conventional, FHA, VA, jumbo, Non-QM and DSCR investor loans, two distinct HELOC products, reverse mortgages, and commercial lending — instead of forcing every client into one bank's guidelines.
He works with first-time buyers who need a guide, self-employed borrowers whose tax returns don't tell the whole story, investors building rental portfolios, and homeowners putting their equity to work. Verify his license any time: NMLS# 2811542, CA DRE #02448241.
Questions, answered directly
Frequently Asked Questions
Which states is Adam DeCraene licensed in?
Adam DeCraene is licensed in 34 states and the District of Columbia: Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, District of Columbia, Delaware, Florida, Iowa, Idaho, Kansas, Kentucky, Maryland, Maine, Michigan, Minnesota, Missouri, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Virginia, Washington, Wisconsin, West Virginia, and Wyoming. His home base is Troy, Michigan.
What is Adam DeCraene's NMLS number?
Adam DeCraene's NMLS number is 2811542. His California DRE number is 02448241. He originates loans through West Capital Lending, Inc., NMLS 1566096, CA DRE 02022356. You can verify any originator's license in the NMLS Consumer Access database.
What's the difference between the two HELOC options?
HELOC #1 is for well-qualified borrowers and pays both principal and interest from the start, so your balance decreases with each payment. HELOC #2 starts as interest-only and fits two kinds of borrowers: those with less-than-great credit who need a flexible path to their equity, and borrowers of any credit strength who strategically choose an interest-only payment — to keep the initial payment lower, manage cash flow, or support an investment strategy. Interest-only payments are lower at first, but they don't reduce your balance during the interest-only period, and payments increase later. If you're unsure which fits, ask Adam before applying.
How many lenders does Adam DeCraene shop for my loan?
Through West Capital Lending, Adam has access to 175 wholesale lenders across the country. One application can be compared across many lenders' programs and pricing, instead of being limited to a single bank's offerings.
How do I contact or text Adam DeCraene?
Call or text 949-393-6360 — that line accepts texts. His office line is 949-404-5396 (voice only, not textable). Email him at adecraene@wclloans.com, or schedule a consultation. His office: 755 West Big Beaver Rd, Suite 1725, Troy, MI 48084.
Does Adam DeCraene offer commercial, VA, FHA, and DSCR loans?
Yes — all through West Capital Lending, Inc. In addition to conventional and jumbo purchase and refinance loans, Adam offers VA loans for eligible veterans and service members, FHA loans, Non-QM and DSCR investor loans (qualified on rental income), bank-statement options for self-employed borrowers, first-time buyer programs, two HELOC products, reverse mortgages, and commercial lending.
How do I start an application?
For a purchase or refinance, use the online application. For a HELOC, choose the product that matches your credit profile and payment goals in the HELOC section above — or text 949-393-6360 first and Adam will point you to the right one.
Start Here — Tell Adam What You're Working On
This is a quick contact form — not a loan application. Anything sensitive belongs in the secure application. Fill this in and Adam will reach out personally.
Talk to Adam about your loan
One conversation, 175 lenders shopped. Reach out by text, phone, or email — or book a time that works for you.