Who we are
Nathan Fernandez – Executive Branch Manager
At Goldstone Mortgage, we help buyers and homeowners make confident mortgage decisions with clear guidance and fast communication—powered by our broker partnership with West Capital Lending. With 15+ years of finance experience, we specialize in purchase loans, mortgage refinancing, cash-out refinance, and home equity solutions for both investors and residential borrowers, always focused on the strategy that fits your goals. Whether you’re comparing rates, lowering your monthly payment, or planning your next move, our process is built for speed, transparency, and a smooth closing from pre-approval to funding.
A decade of expertise
Satisfied customers
We areTrusted by Homeowners & Investors Nationwide
Why work with mortgage broker
We Are A Wholesale Mortgage Lender/Broker
More lender options in one place
Instead of being limited to one bank’s products, a broker can compare offers across multiple lenders to find a better fit for your scenario (rate, fees, guidelines).
Better fit for unique situations
Brokers are helpful if you’re self-employed, have variable income, are buying an investment property, need a cash-out refi, or your file isn’t perfectly “cookie cutter.” They can match you to a lender that actually likes your profile.
Better pricing (rate + fees)
Because we shop multiple lenders, you get a stronger combination of rate/closing costs than you’d find by calling a couple banks yourself.
Saves time and reduces guesswork
We handle the comparison, explain tradeoffs (rate vs points, payment vs cash-to-close), and keep the process moving.
Guidance through underwriting
A good broker knows what documentation will be needed and how to avoid common delays, which can matter a lot when you’re on a tight closing timeline.
Negotiation + problem solving
If an appraisal comes in low, conditions get tough, or guidelines change, brokers often have backup options faster than starting over at a new bank.
What Clients Say About Us
Shingo made everything simple and easy to understand. He walked us through the pros and cons, and kept the process moving.
The communication was the best part, quick replies, clear next steps, and no confusion. Shingo kept our purchase on track and helped us make smart decisions without ever making us feel pressured.
I needed a loan that focused more on the property’s income than my personal income. Shingo helped me understand how DSCR financing worked, and kept everything moving quickly.
After working with other lenders in the past, this experience stood out. Shingo kept everything organized, explained what was happening at each step, and made sure there were no surprises near closing.
I thought the loan process would be stressful, but Shingo made it feel simple from the beginning. He explained each step clearly, and took care of the details so we always knew what to expect.
We were working against a tight deadline, and Shingo made sure nothing slipped through the cracks. He kept us updated, explained each step clearly, and helped us get to closing without unnecessary stress.
Shingo quickly understood what we were trying to accomplish. He focused on the key numbers, rental income, cash flow, and overall leverage and helped us move forward with a loan structure that made sense.
Shingo gave me the space to make the right decision without feeling rushed. He explained the options clearly, pointed out what to consider, and guided me through the process in a way that felt honest and supportive.
We offer
Mortgage Programs
· DSCR
· HELOAN
· Home equity lines of credit (HELOC)
· 100% financing
· Self-employed loans
· Bank-statement loans
· Conventional, Jumbo, FHA and VA
· Investor, Bridge & Construction loans
· Flip and rental property loans with no income verification