Who we are
Nathan Fernandez – Executive Branch Manager
At Goldstone Mortgage, we help buyers and homeowners make confident mortgage decisions with clear guidance and fast communication—powered by our broker partnership with West Capital Lending. With 15+ years of finance experience, we specialize in purchase loans, mortgage refinancing, cash-out refinance, and home equity solutions for both investors and residential borrowers, always focused on the strategy that fits your goals. Whether you’re comparing rates, lowering your monthly payment, or planning your next move, our process is built for speed, transparency, and a smooth closing from pre-approval to funding.
A decade of expertise
Satisfied customers
We areTrusted by Homeowners & Investors Nationwide
Why work with mortgage broker
We Are A Wholesale Mortgage Lender/Broker
More lender options in one place
Instead of being limited to one bank’s products, a broker can compare offers across multiple lenders to find a better fit for your scenario (rate, fees, guidelines).
Better fit for unique situations
Brokers are helpful if you’re self-employed, have variable income, are buying an investment property, need a cash-out refi, or your file isn’t perfectly “cookie cutter.” They can match you to a lender that actually likes your profile.
Better pricing (rate + fees)
Because we shop multiple lenders, you get a stronger combination of rate/closing costs than you’d find by calling a couple banks yourself.
Saves time and reduces guesswork
We handle the comparison, explain tradeoffs (rate vs points, payment vs cash-to-close), and keep the process moving.
Guidance through underwriting
A good broker knows what documentation will be needed and how to avoid common delays, which can matter a lot when you’re on a tight closing timeline.
Negotiation + problem solving
If an appraisal comes in low, conditions get tough, or guidelines change, brokers often have backup options faster than starting over at a new bank.
What Clients Say About Us
Nathan made everything easy to understand and never left us guessing. He laid out our options, explained the trade-offs, and kept the process moving. We felt confident the whole way through.
The communication was the best part quick replies, clear next steps, and zero confusion. Nathan kept our purchase on track and helped us make smart decisions without pressure.
I needed financing that fit the numbers on my rental, and Nathan walked me through the DSCR approach in plain language. The process was smooth, organized, and handled with real urgency
I’ve done loans before and this was one of the cleanest experiences I’ve had. Everything was communicated clearly, timelines were respected, and we closed without last-minute chaos
I expected a lot of back-and-forth, but Nathan kept everything structured and easy. He explained what mattered, handled the details, and made the process feel calm and predictable.
Our timeline was tight and Nathan stayed on top of every step. We always knew what was next, what we needed, and when we’d be cleared. Smooth closing
Nathan understood the deal right away and focused on the numbers that mattered rent, cash flow, and leverage. He helped us choose the right structure and kept it moving.
“I appreciated that Nathan wasn’t pushy. He gave me real options, explained the pros and cons, and let me decide. I felt supported the entire time.
We offer
Mortgage Programs
· DSCR
· HELOAN
· Home equity lines of credit (HELOC)
· 100% financing
· Self-employed loans
· Bank-statement loans
· Conventional, Jumbo, FHA and VA
· Investor, Bridge & Construction loans
· Flip and rental property loans with no income verification