Franky Handra

Branch-Managers NMLS #1895697

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Franky Handra

About Franky Handra

Hello! I'm delighted to introduce myself. I am a dedicated and experienced Branch Manager at West Capital Lending, where I oversee a dynamic team of professionals. With access to a vast network of over 90 lenders, I am committed to finding the perfect financial solutions tailored to your needs. As the Branch Manager at West Capital Lending, I lead with a commitment to delivering exceptional home loan solutions and unmatched client service. My professional journey is underpinned by a solid educational foundation and a track record of excellence in the mortgage industry. I hold an MBA from USC, graduating in the top 10% of my class, and earned my undergraduate degree Magna Cum Laude from CSUF. My prior experience as a top 10 loan originator has equipped me with deep industry knowledge and a proven ability to craft effective financial solutions for a diverse clientele. Fluent in three languages and having lived in three different countries, I bring a global perspective and cultural sensitivity to my role. This unique background allows me to connect with clients from various backgrounds and provide personalized guidance tailored to their specific needs. At West Capital Lending, my focus is on combining my expertise, dedication, and multicultural insights to ensure that every client receives the highest quality of service and innovative financial solutions for their home loan needs.



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Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
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  1. 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. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000.
  2. The Fixed Rate 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.
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WCL 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. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

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