God Driven Loans Josue Bermudez · NMLS #1566096
Your mortgage loan officer
Josue Bermudez, Vice President at West Capital Lending
Josue Bermudez
Vice President · West Capital Lending
NMLS #1566096 · DRE: 02212560

Man of Faith, Husband, Father, Friend.

Helping families achieve financial freedom through smarter mortgage solutions.

Whether you're looking to lower your payment, access your home's equity, or finance your next chapter, we're here to help you find the right solution.

  • ✓Start with the calculator on the right — no sign-up, no credit pull.
  • ✓When you're ready, I'll pick up where the math leaves off.
10+
years in lending
500+
families helped
4.9★
average rating
Schedule a free consultation →
Payment Estimator 30-yr fixed
Estimated monthly payment
$2,007 / mo
Principal & interest
$1,520
+ taxes & insurance
20% ·
$
$
Where your money goes over the full loan$546,720 total
Principal $320,000 Interest $226,720

A little about me.

Josue Bermudez with his family

Buying a home is one of the biggest financial decisions you'll ever make, and I believe you deserve someone who puts your goals ahead of the sale.

Whether you're buying your first home, refinancing to improve your financial situation, or tapping into your home's equity, my goal is simple: honest guidance, clear numbers, and a plan that fits your life.

Outside of work, I'm a proud husband, a father of two, and a man of faith. Those are the values that shape who I am every day. I work hard to provide for my family, and that same commitment carries over into how I serve my clients. I understand the importance of making smart financial decisions, protecting what matters most, and creating opportunities for the people you love.

I believe relationships are far more important than transactions, and my goal is to earn your trust by being available, transparent, and genuinely invested in your success.

When you work with me, you're not just getting a loan—you're gaining a trusted advisor who will be in your corner long after closing day.

Faith & integrity

I do business with honesty and care. Your trust means everything, and I don't take it lightly.

Family-first

As a husband and father, I understand what it means to provide and protect what matters most.

Your advocate

I work for you — finding the right loan and guiding you all the way to the closing table.

Loan programs

A mortgage option for every situation.

Whether you're buying your first home, investing, serving our country, or tapping into your equity, there's a program built for it. Here are the ones I work with most — tap any to ask about it.

Conventional

The standard loan for buyers with steady income and solid credit. Competitive rates, flexible terms, and as little as 3% down.

As little as 3% down Check eligibility →

FHA

Government-backed with down payments as low as 3.5% and more forgiving credit requirements. A popular first step into ownership.

3.5% down · flexible credit Check eligibility →

DSCR

Qualify based on the property's rental income instead of your personal income. Built for real-estate investors growing a portfolio.

Qualify on rental income Check eligibility →

VA

For eligible veterans and active-duty service members. Often $0 down with no monthly mortgage insurance — one of the most affordable paths to a home.

$0 down · no monthly PMI Check eligibility →

Refinance

Replace your current mortgage to drop your rate, shorten your term, or pull cash from the equity you've already built.

Lower your rate or cash out Check eligibility →

HELOC

A home equity line of credit gives you flexible access to your home's equity — for renovations, paying down debt, or major expenses.

Draw cash as you need it Check eligibility →
Learn more

Which kind of mortgage fits you?

There's no single "best" loan — only the one that fits your timeline, your down payment, and how long you plan to stay. Here's the short version of each.

01 Fixed-rate Most common

Your rate never changes for the life of the loan.

The payment you start with is the payment you finish with, whether that's 15 or 30 years out. It's the most predictable option and the easiest to budget around.
  • Best when you plan to stay put for a long time.
  • Great when rates are reasonable and you want certainty.
02 Adjustable-rate (ARM) Lower to start

A low fixed rate for a few years, then it adjusts with the market.

A "5/1 ARM," for example, holds steady for five years, then can move up or down once a year after that. You trade long-term certainty for a lower starting payment.
  • Best when you expect to move or refinance before the fixed period ends.
  • Riskier if you stay — your payment can rise.
03 FHA loan Low down payment

Government-backed, with a down payment as low as 3.5%.

Designed to make buying possible with less cash saved and more flexible credit requirements. The trade-off is mortgage insurance, which adds to the monthly cost.
  • Best for first-time buyers or smaller down payments.
  • Plan for the added mortgage insurance premium.
04 VA loan Service members

For eligible veterans and active-duty service members — often $0 down.

Backed by the Department of Veterans Affairs, these loans typically skip the down payment and the monthly mortgage insurance, which makes them one of the most affordable paths to ownership.
  • Best if you've served and meet eligibility requirements.
  • A one-time funding fee usually applies.

Frequently asked questions.

Quick, honest answers to the things buyers ask me most. Don't see yours? Just reach out — I'm happy to help.

Q1 How much do I need for a down payment?
It depends on the loan. Some conventional loans allow as little as 3% down, FHA loans start at 3.5%, and VA loans are often $0 down for eligible borrowers. A larger down payment usually means a lower monthly payment and, in many cases, no mortgage insurance.
Q2 What credit score do I need to qualify?
Conventional loans generally start around 620, while FHA and VA loans may allow scores as low as 500-580 with other requirements. Lower scores can mean higher rates, so let's review your full picture together.
Q3 How long does pre-approval take?
Often the same day once I have your basic information. A strong pre-approval makes your offer far more competitive.
Q4 How long does the whole process take?
Many purchase loans close in around 30 days once you're under contract, though it varies with your situation and the property. Getting pre-approved early and responding quickly to document requests are the two best ways to keep things moving.
Q5 How soon can I refinance?
It depends on your loan type and your goals. For many loans you can refinance after about six months of on-time payments, though some programs and cash-out refinances have their own waiting periods. If rates drop or your situation changes, reach out and I'll tell you exactly when — and whether — refinancing makes sense for you.
Q6 How does a HELOC work?
A HELOC — home equity line of credit — lets you borrow against the equity you've built in your home, drawing funds as you need them instead of all at once. It's a flexible option for renovations, paying down higher-interest debt, or other major expenses, and it often funds in around 5 days. I can help you see how much you may qualify for.
Q7 Can I qualify if I'm self-employed?
Absolutely. Self-employed borrowers can qualify for many loan programs. Instead of W-2s, I'll typically look at your tax returns, bank statements, or other income documentation — and there are programs designed specifically for self-employed and business owners. Let's review your situation and find the right fit.

What clients are saying.

Rated 5.0 from 32 verified reviews on Experience.com and Zillow. Here are a few.

★★★★★

Josue was the best. I went to several different places and was denied everywhere. He had me approved within a couple of hours. He was amazing — he saved my life and my future. I cannot thank him enough.

Verified clientZillow review · Midvale, UT
★★★★★

Josue was great — the process was very easy and he was there with me the entire time. Thanks again, Josue. We will be doing business again in the future.

Frank Z.Verified review · Experience.com
★★★★★

Josue helped me from start to finish. He was always available for questions and whenever I needed help, always with such an amazing attitude during the entire process. I trust him with all my future loans.

Linzey O.Verified review · Experience.com
★★★★★

Josue is professional, responsive and knowledgeable. He and his associates at West Capital Lending made the experience quick and easy. Highly recommend this team!

Erin M.Verified review · Experience.com
★★★★★

Josue and the team made the process very easy and pain-free. They happily dealt with my delays and questions. Great experience overall.

Kevin B.Verified review · Experience.com
★★★★★

Great to work with. Very responsive and answered any and all questions. Made the process very easy, and he was available at any time of day. Thank you!

Verified clientZillow review · Oklahoma City, OK
Read all 32 reviews on Experience.com →

Schedule a free consultation.

Pick a time that works for you and let's talk through your options — no pressure, no obligation.

Ready to turn an estimate into a plan?

Tell me a little bit about your goals and I'll reach out to you personally.

Call(949) 577-8113 EmailJbermudez@westcapitallending.com Office17911 Von Karman Ave, Suite 400, Irvine, CA 92614

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