Financing, engineered for every client's needs: the files that fit, and the ones that don't.
Quy Huynh has spent 27 years placing residential, commercial, and private credit for borrowers whose files demand more than a rate sheet: the self-employed, the investor, the builder, the buyer other brokers turned away.
Twenty-seven years of finding the yes that makes sense.
Since 1999, through every rate environment and credit cycle, West Group Capital has operated on a simple premise: the borrower's file should be matched to the lender built for it, not forced through whichever bank happens to employ the loan officer.
As an independent brokerage powered by NEXA Mortgage, LLC dba NEXA Lending, the firm places files across more than 300 wholesale, institutional, and private equity lenders spanning residential, commercial, and private credit.
Tell me the scenario
Property, rough numbers, timeline, and anything unusual. No application, no credit pull, no obligation.
I shop 300+ lenders
Wholesale, institutional, and private equity. The file goes where it actually fits instead of being forced into one bank’s box.
You get the honest read
What works, what it takes, and what it costs. If the answer is no, you hear it fast and you hear why.
Areas of Focus
Capabilities
Every program below is actively brokered. The unusual file is the specialty of the house.
Bank Statement & Self-Employed
Qualification on deposits rather than tax returns.
- 12 & 24 month bank statement
- P&L only · 1099 only
- Asset depletion
- VOE only
DSCR & Investor
The property qualifies on its own rent, not your personal income.
- Long & short term rental
- LLC / entity vesting
- Portfolio & blanket
- Cash-out for the next buy
Conventional, FHA, VA, USDA
The full agency menu at wholesale pricing.
- Conventional & high balance
- FHA including 203k
- VA purchase, IRRRL, cash-out
- Down payment assistance
Construction & Renovation
From ground-break to permanent financing in a single closing.
- One-time close construction to perm
- Ground-up & spec builds
- ADU construction
- Fix & flip / bridge
Commercial & Multifamily
Institutional and private capital placement.
- 5+ unit multifamily & mixed use
- Owner-occupied commercial
- SBA & working capital
- Private equity placement
Hard Money & Private
Velocity and narrative over the spreadsheet.
- Short-term bridge
- Foreign national
- ITIN
- Cross-collateralization