West Capital Lending · Equal Housing Lender · Jack Colston NMLS #1072064
All Digital HELOCBack home
Licensing and legal

Important disclosures

Jack Colston · Mortgage Loan Originator · NMLS #1072064
West Capital Lending, Inc. · NMLS #1566096 · Cal. DRE #02022356
24 Executive Park, Suite 250, Irvine, CA 92614

Verify Jack Colston at NMLS Consumer Access · Verify West Capital Lending

Equal Housing Lender

West Capital Lending is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act.

General program disclosure

Information accurate as of 08/01/2026. Not all programs are available in all areas. Not all borrowers will qualify for all programs. Program restrictions apply. Please contact West Capital Lending, 24 Executive Park, Suite 250, Irvine, CA 92614 to determine eligibility. This is not an offer or extension of credit or a commitment to lend. All loan programs are subject to the specific lender’s underwriting guidelines and available loan products. Approvals may be subject to appraisals and other documentation requirements. Interest rates, loan programs, available loan terms, and other information on this website are subject to change without notice.

The Loan Originator named in this advertisement is licensed in the following states only: AL, AZ, AR, CA, CO, FL, ID, IA, KS, MD, MI, MN, MO, NH, OH, OK, OR, PA, TN, TX, VA, WA. The information on this site is not intended for consumers of any other state. To determine broker or loan origination eligibility, visit NMLS Consumer Access.

West Capital Lending uses a white-label service provided by Figure Lending. Figure Lending LLC is a wholly-owned subsidiary of Figure Technology Solutions, Inc., a financial technology company.

Figure Home Equity Line disclosures

  1. The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in The Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
  2. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. The five-business-day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures, otherwise require an in-person closing, or require a waiting period prior to closing.
  3. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
  4. A Figure HELOC is secured with your home as collateral, whereas personal loans and credit cards are not.
  5. Loan amounts range from a minimum of $25,000 to a maximum of $750,000. For properties located in Texas, the minimum loan amount is $35,000. Your maximum loan amount may be lower than $750,000 and will ultimately depend on your home value, lien position, credit profile, verified income amount, and equity available at the time of application. Home value and resulting equity are determined through independent data sources and automated valuation models.
  6. Available APRs range from 6.30% to 15.60%, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states. The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and to those who select five-year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Your actual rate will depend on factors including credit, combined loan-to-value ratio, loan term, occupancy status, and whether you are eligible for and choose to pay a higher origination fee in exchange for a lower rate. Rates change frequently, so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You may be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for valuation costs if an AVM is not available for your property ($180), manual notarization if your county does not permit eNotary ($380), recording fees ($0–$315), and recording taxes that vary by state and county ($0–$1,400 per $100,000 borrowed). Property insurance is required as a condition of the loan, and flood insurance may be required if your property is located in a flood zone.
  7. Consult a tax advisor regarding the deductibility of interest and charges to your Figure Home Equity Line.

Texas consumers

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT-OF-POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.