Scenario · IllustrativeJumbo purchase
$1,850,000 Pacific Palisades, CA · primary residence
- Down
- 20%
- Income
- Self-employed
- Credit
- 760+
- Docs
- Bank statements
Review pathBank-Statement Jumbo
Private-client mortgage · CA · FL · TX
One advisor. Every lender. Your mortgage, done right.
One advisor from the first conversation to the keys. We structure the loan before the paperwork, then shop it across a wide lender marketplace — jumbo, conventional, FHA, VA, Non-QM, DSCR and bank-statement programs.
Scenario · IllustrativeInvestor
$640,000 Fort Lauderdale, FL · 2-unit rental
- Down
- 25%
- Qualify on
- Rental cash flow
- Credit
- 720+
- Entity
- LLC vesting
Review pathDSCR
Scenario · IllustrativeHigh-cost county
$1,150,000 Burbank, CA · first home
- Down
- 15%
- Income
- W-2 + RSU
- Credit
- 740+
- Goal
- Avoid jumbo
Review pathHigh-Balance Conforming
Illustrative structures · not offers or approvals
Today's board
Sample rates, updated from our desk.
Sample rates for well-qualified borrowers, pulled from the West Coast Capital Mortgage rate desk. Not a quote, APR, lock or commitment to lend. Your rate depends on credit, loan-to-value, property, occupancy, documentation and the market the day you lock. See the full board →
The boutique approach
Big-bank access. Private-office attention.
Most lenders sell a product. We design a structure around your income, your property and your timeline — then place it with the lender whose guidelines fit.
01
One advisor, start to finish
No call centers, no hand-offs. The person who designs your loan is the person who answers your texts at 9 pm before closing.
02
Structure before paperwork
We map county loan limits, down-payment levers, documentation paths and buydowns first — so the application you sign is the one that gets approved.
03
A marketplace, not a menu
As a mortgage broker we shop wholesale lenders, portfolio banks and Non-QM investors for the file. Complex income and unusual properties are our normal.
States licensed: California, Florida, Texas
+Loan programs reviewed on every scenario
★Google rating for West Coast Capital Mortgage
Advisor from first call to funding
Programs
Financing for every chapter — especially the complex ones.
From a first condo to a portfolio of rentals. Have a question about one of them? The AI concierge is right below.
Luxury
Jumbo
Financing above conforming limits for higher-priced homes, including interest-only and asset-depletion options.
Ask the concierge → Smart structureHigh-Balance Conforming
In high-cost counties a bigger loan does not have to be jumbo. We check the county line first.
Ask the concierge → ClassicConventional
Flexible terms for well-qualified buyers with options from 3% down and no mortgage insurance at 20%.
Ask the concierge → GovernmentFHA & VA
Lower down payments and flexible credit for FHA; $0 down and no monthly MI for eligible veterans with VA.
Ask the concierge → Self-employedBank Statement
Qualify on 12–24 months of business or personal deposits instead of tax returns.
Ask the concierge → InvestorsDSCR
Qualify rental properties on the property's cash flow, not your personal income. LLC vesting welcome.
Ask the concierge → AlternativeNon-QM
1099, asset-based, recent credit events, foreign nationals — alternative paths when the agency box does not fit.
Ask the concierge → EquityRefinance & Cash-Out
Rate-and-term, cash-out and equity strategies — including when a second lien beats touching your first.
Ask the concierge →AI concierge
Ask anything. Type it or say it.
Our Loan Strategy AI talks through your situation like a seasoned strategist: purchase, refinance, self-employed income, investment property or cash to close. Tap the microphone and just talk.
- Voice input: press the mic and speak your question
- English, Spanish, Russian and Chinese
- Builds your loan strategy profile as you talk
- Send documents securely to your loan team
- No credit pull, no forms, no obligation
Starting the concierge…
The concierge is an automated assistant operated by West Coast Capital Mortgage Inc. It is educational only and is not a loan officer, rate quote or approval. Your browser will ask permission before using the microphone.
How it works
Four steps. Zero guesswork.
1
Conversation
Fifteen minutes on your goal, timeline and income picture. No credit pull, no pressure.
Day 1
2
Structure
We model paths in the Strategy Studio — county limits, down payment, documentation, buydowns — and pick the strongest one together.
Day 1–2
3
Approval
A secure application and document portal, a real pre-approval letter, and a file packaged the way underwriters like it.
Day 2–5
4
Keys
We manage appraisal, conditions and closing with your agent and escrow. You get updates before you have to ask.
Typically 21–30 days
Quick estimate
See the monthly picture in seconds.
Drag the sliders. Then open the full Strategy Studio or send the numbers to a loan officer.
Strategy Studio
Run your file against the county line before you write the offer.
Our property-location-intelligent engine reads the official FHFA and FHA limits for the county, compares conforming, high-balance, jumbo, DSCR, bank-statement and VA/FHA paths, and models permanent and temporary buydowns. Deterministic math, nothing sent anywhere until you choose to.
Your Financial Navigator · a two-minute guided tour · educational only
Where we lend
Three states. Local knowledge in each.
CA
California
Headquartered in Burbank. Jumbo and high-balance strategy for Los Angeles, Orange County, the Bay Area and San Diego.
- Jumbo
- High-balance
- Bank statement
- Buy before you sell
FL
Florida
Condo project review, DSCR for short-term and long-term rentals, foreign-national programs from Miami to the Keys.
- DSCR
- Condo financing
- Foreign national
- Second home
TX
Texas
First-time buyer strategy in DFW and Houston, new construction and investor financing across the state.
- First-time buyers
- New construction
- Investment
- VA
Anatoliy KanevskyFounder · Loan Originator · NMLS #2775380
★★★★★The founder
Lending experience that comes with real-estate instincts.
Boutique Mortgage is the private-client practice of West Coast Capital Mortgage Inc., led by Anatoliy Kanevsky — a mortgage and real-estate professional with experience across lending, brokerage, luxury residential development and complex borrower scenarios.
That background matters when a file is not textbook: a jumbo purchase on bank statements, a contingent buyer who needs to buy before they sell, an investor vesting in an LLC, or a condo project that needs review before anyone writes an offer.
West Coast Capital Mortgage Inc.NMLS #2817729 · CA DRE Corp. License #02440065
Anatoliy KanevskyNMLS #2775380 · CA Real Estate Broker DRE #01385024
Office150 E Olive Ave, Unit 112, Burbank, CA 91502
Sister practicesWest Coast Capital Realty · California Mortgage · Sun Coast Capital Mortgage
Start a scenario
Tell us the situation. We'll bring the structure.
Two minutes. No credit pull. A licensed loan officer reviews every scenario personally and replies within one business day.
Office(310) 654-1577
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Anatoliy direct(310) 686-5053
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Email[email protected]
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