Legal
Website Terms of Use
Last updated: September 19, 2026
By using brianpoetschlag.com (the "site"), you agree to these terms. If you don't agree, please don't use the site.
Who runs this site
The site is run by Brian Poetschlag, a licensed mortgage loan originator (NMLS #487617, CA DRE #01733066) at West Capital Lending, Inc. (NMLS #1566096, CA DRE #02022356). Loans are offered through West Capital Lending, Inc.
Information only
The content on this site is general education about mortgage and home equity products. It isn't legal, tax, investment or financial-planning advice, and it doesn't account for your specific situation. Talk to a tax professional or attorney about your own circumstances, especially for reverse mortgages, investment property and debt consolidation.
Not a commitment to lend
Nothing on this site is an offer of credit, a loan approval, a rate lock or a commitment to lend. Submitting a form is not a loan application. All loans are subject to credit approval, underwriting guidelines, property eligibility and program availability, which vary by state and change without notice. This site does not quote interest rates. Any rate you receive will come with its APR and the assumptions behind it.
Calculators and illustrations
The Equity Snapshot, the HELOC payment calculator and every example on this site are illustrations based on the numbers you enter or the assumptions stated. They are not quotes and may not reflect the terms you'd actually receive.
Licensing
Brian Poetschlag is licensed in 32 states. See the licensing page for the list and how to verify it. The site is not an offer to make loans in any state where he isn't licensed.
Reviews
Reviews on this site are quoted word for word from third-party review platforms and reflect each reviewer's own experience. They are not a guarantee of any outcome.
Links to other sites
The site links to other websites, including NMLS Consumer Access, Experience.com, HUD and West Capital Lending. We don't control those sites and aren't responsible for their content or privacy practices.
Intellectual property
The text, design and tools on this site belong to Brian Poetschlag unless noted. You're welcome to share links. Please don't copy or republish the content without permission. West Capital Lending's name and marks belong to West Capital Lending, Inc.
Limitation of liability
The site is provided "as is." To the extent the law allows, we aren't liable for damages arising from your use of the site or reliance on its general information.
Governing law
These terms are governed by California law.
Company terms
West Capital Lending's company terms of use, privacy policy and SMS terms also apply to loan applications and to texts sent on its behalf. This site's privacy policy explains how website information is handled.
Contact
Questions about these terms: (714) 713-3133 or bpoetschlag@westcapitallending.com.