The person behind it
Korbin Spangenthal is a Vice President and licensed Mortgage Loan Originator at West Capital Lending, Inc. — NMLS #2079029, California DRE #02178533, Florida SL #3633081. He lives in Boca Raton and works with homeowners by phone, text, email and video. He is licensed in 29 states and the District of Columbia, and licensed loan officers on his West Capital Lending team originate in ten more, for 39 states and D.C. in all.
The site exists because of a pattern: homeowners who planned carefully, put the house in a living trust, and then heard from a bank that the trust was the reason it would not open a line of credit — often with a suggestion to deed the house out. Most of those files are approvable somewhere. The work is knowing where, and getting the trust reviewed without asking the family to change the plan. You can confirm his license in under a minute on NMLS Consumer Access.
The brokerage
West Capital Lending, Inc. (NMLS #1566096, California DRE #02022356), 17911 Von Karman Avenue, Suite 400, Irvine, California 92614, is a licensed mortgage brokerage. It places loans with wholesale lenders rather than lending its own money, and is compensated by the lender or the borrower as disclosed to you at application. Trust acceptance is one of the places wholesale guidelines differ most, which is the practical reason a brokerage helps here: the question becomes which program, instead of whether.
What the site will and will not tell you
It explains how lenders, title insurers and the public statutes treat a trust-owned home, and cites those statutes on the page. It does not publish rates, fees, credit-score floors, borrowing limits or reserve rules, because those belong to each program and change. It does not give legal or estate-planning advice; whenever a question belongs to the attorney who drafted your trust, the page says so.
Related sites from the same originator
HELOCforSelfEmployed.com covers lines on a primary home qualified with bank statements. HELOCforRentals.com covers lines on investment property. BridgeMyHELOC.com covers lines on a home already listed for sale. QualifyOnRent.com is DSCR rental financing, and FloridaNonWarrantable.com is financing for Florida condos that fail agency review. MortgageWithKorbin.com is the main practice site.
Licensing
Korbin is personally licensed in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Hawaii, Iowa, Kansas, Kentucky, Maine, Maryland, Michigan, Minnesota, Missouri, New Mexico, North Dakota, Ohio, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia and Wyoming. In Indiana, Louisiana, Mississippi, Montana, Nevada, New Jersey, North Carolina, Rhode Island, South Carolina and Vermont, inquiries are referred to and loans are originated by a licensed West Capital Lending loan officer. Which programs accept a trust-vested home differs by state as well as by lender, and is confirmed for your home before you apply. Not available in New York.
Questions trust owners ask about this
Is this site a lender?
No. It is run by a licensed loan originator at a mortgage brokerage that places lines with wholesale lenders. The lender is disclosed to you before you apply.
Does Korbin give legal advice about my trust?
No. He tells you what a program and its title insurer require; questions about what your trust means or whether to change it go to your estate-planning attorney.
Keep reading
- How a HELOC on a trust-owned home worksWho signs, what the lender reviews, and why the trust can stay exactly as it is.
- What the lender needs from your trustThe certification of trust, and why you rarely have to hand over the whole document.
- Why banks decline trust-owned homesIt is a staffing and title-insurance decision, not a verdict on you.
- For estate-planning attorneysHow we work with your client's trust, and what we will never ask them to do.