LAYTON · GREATER SALT LAKE CITY
Local guidance.
A home loan that fits your plans.
I’m Jay Ruess, a Branch Manager with West Capital Lending. I’m based in Layton, work with clients throughout the greater Salt Lake City area, and have access to over 175 lenders.
Prefer to meet in person? Call or text to arrange a local appointment. No walk-in office.
START WITH YOUR GOAL
What would you like to work on?
Buy a home
Talk through your budget, timing and the next steps before making an offer.
Explore purchase financing →Use your home equity
Explore a HELOC, home equity loan or cash-out refinance with your existing mortgage in mind.
Compare equity options →Review your mortgage
Bring your current loan details and the goal behind considering a change.
Explore refinancing →Buying or refinancing a rental property? Explore investor financing →
A USEFUL FIRST CONVERSATION
Start with the questions that matter to you.
Learn how a broad lender network can help you explore your options →
You do not need to know the name of a loan program to get started. Tell me what you want to accomplish, where the property is located and your preferred timeline. We can discuss the next steps from there.
- Buying: What monthly housing budget feels comfortable, and when would you like to move?
- Accessing equity: What will the funds be used for, and do you want to keep your current first mortgage?
- Refinancing: Is your priority the payment, repayment timeline, or another change?
- Investing: Is this a purchase or refinance, and what information do you have about the property?
Please use the secure application for sensitive financial documents. Don’t send Social Security numbers or account details through a text message.
Based in Layton. Available across the Salt Lake area.
I meet clients locally by arrangement and also work by phone and video. We can agree on a convenient meeting location before your appointment. The Calendly link schedules a call; contact me directly to arrange an in-person meeting.
Questions before you reach out
Can I talk with you before applying?
Yes. Schedule a call to discuss your goals and what information you may need. If you’re ready to begin, use the Apply Now link for the secure application.
Can we discuss keeping my current first mortgage?
Yes. Start with the guide to accessing equity while keeping your first mortgage, then bring your questions to our conversation.
What if my property is outside this area?
Get in touch with the property location. I can confirm whether I can assist or discuss a referral.
Loan availability and eligibility depend on the property, borrower qualifications and program requirements. A conversation or application is not a commitment to lend.
LET’S PLAN YOUR NEXT STEP
A conversation first.
An application when you’re ready.
Call, schedule a time, or begin your secure application.