Let's explore your equity options, built around your goals.
Hi Yvette, I'm Brian Poetschlag — a 23-year mortgage veteran, former VP of Home Lending at Chase in Southern California, and now an independent broker with access to 150+ lenders with West Capital Lending.
I built this proposal based on the information you provided about your Newport News property.
I'd love to walk through this with you on a quick, no-pressure consultation. We'll go over your numbers, answer your questions, and help you make the most informed decision possible — no cost, no commitment, and no credit impact to explore.
Schedule a 10-minute call

by Brian Poetschlag

What We're Solving For
Client Information
Client Name: Yvette Smith
Property Address: 1808 19th Street, Newport News, VA 23607
Property Type: Single-Family Detached
Use Type: Second Home
Financial Details
Property Value: $120,000
Current Mortgage Balance: $0 (Owned free and clear)
Loan Request: $70,000
Loan Purpose: Home Improvements
Credit Score: Approx. 689
Loan Type: HELOC
Recommended Loan Strategy
We're proposing a fixed-rate HELOC that allows you to tap $70,000 of your home equity for upgrades, repairs, or improvements — while keeping your mortgage-free status intact.
30-Year Amortization
Spread payments over a longer term for maximum affordability
Fixed-Rate (No surprises)
Consistent payments you can plan around
Flexible draw options
Access funds as needed for your project timeline
Fast funding – as little as 5 days
Quick access to your equity when you need it
No impact to your current mortgage
Maintain your mortgage-free status
No cost or credit pull to explore options
Risk-free consultation to find your best path forward
What Your Monthly Payment Could Look Like
Estimated Monthly Payments on a $70,000 HELOC (Fixed-rate, 30-year amortized)
These examples are for illustrative purposes only. Final terms will vary based on your credit profile, lender guidelines, and underwriting review.
Why This Makes Sense
You're sitting on 100% equity in a second home — and now's the time to put it to work. With no existing mortgage, you can access funding quickly and keep full control over how it's used.
No need to refinance or start a new 1st mortgage
Keep your property free and clear while still accessing the equity you've built.
Fixed-rate means predictable payments
Plan your budget with confidence knowing exactly what you'll pay each month.
5-day close means fast access
Get your renovation project started quickly without lengthy delays.
Great option for a second home with long-term use or rental potential
Improve your property value while maintaining flexibility for future use.
Why Work With Brian
From Banker to Broker — And Built to Serve
I've spent 23+ years in mortgage lending — including 18 years in banking and four years as a VP at Chase overseeing one of the top-performing mortgage teams in Southern California.
Now, as an independent broker, I work with over 150 lenders to design smart, personalized loan strategies for homeowners like you.
But this business is personal to me. I'm a cancer survivor, a proud girl dad, and a hands-on guy who loves woodworking and rebuilding classic cars. I bring that same craftsmanship to every loan I structure — thoughtful, precise, and built to last.
What Clients Are Saying
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"Brian made everything feel simple and fast. I didn't think I'd qualify, but he walked me through every step." — K.B., California
⭐⭐⭐⭐⭐
"Working with Team BDE was the best financial decision I've made in years." — J.R., Nevada
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"They found me an option no bank even mentioned. Highly recommend." — S.T., Texas
Pulled from verified reviews at: 🔗 West Capital Lending on Experience.com
What Happens Next
There are 3 simple ways to take the next step:
1
Text me your DOB and annual income
I'll run a quick HELOC review with no credit pull and zero pressure.
2
Schedule a 10-minute strategy call
Let's review your proposal together.
3
Ready to move fast?
We can complete the intake and move toward approval within 5 business days.
Contact & Licensing Info
Brian Poetschlag | Branch Manager
Direct: (714) 422-7575 | Cell: (714) 713-3133
📧 bpoetschlag@westcapitallending.com
🏢 24 Executive Park Suite 250, Irvine, CA 92614
NMLS 487617 | NMLS 1566096 DRE 02022356
🌐 westcapitallending.com