About Stan the Loan Man

Mortgage experience. Market perspective. Straightforward guidance.

Stanley “Stan the Loan Man” La Ferr is a Mortgage Loan Originator and Branch Manager with West Capital Lending, helping homebuyers, homeowners, investors and real estate professionals navigate an increasingly complex mortgage market.

Call Stan · (310) 717-6388 Email Stan

The goal is simple: understand the borrower’s objectives, explain the tradeoffs clearly and evaluate financing structures that fit the individual situation.

Stanley “Stan the Loan Man” La FerrMortgage Loan Originator & Branch Manager · NMLS #2607530

Experience matters. So does understanding the numbers behind the decision.

Professional Background

A career built around finance, real estate and business.

Stan’s background spans residential mortgage lending, commercial real estate, finance, telecommunications, business development and executive sales.

Stan began his mortgage career with Wells Fargo Bank after studying finance at California State Polytechnic University. At Wells Fargo, he completed the bank’s Commercial Credit Training Program and received the Loan Officer Action Plan Award, an honor voted on by Branch Managers throughout the Los Angeles market.

His career subsequently expanded into commercial real estate, finance, telecommunications, business development and executive sales, including positions with Cushman Realty Corporation (later acquired by Cushman & Wakefield), The Koll Company, Fieldstone Mortgage, Level 3 Communications and CenturyLink.

Stan later earned his MBA from the USC Marshall School of Business on a full scholarship, where he also served as Class President.

His investment and markets background also includes serving as Team Captain of the winning team in thinkorswim’s High Probability Options Trading Competition in Chicago. Building on many of the same high-probability options strategies used in that competition, Stan later established and managed his own proprietary securities trading account, while also building and managing a real estate investment portfolio. Those experiences added firsthand perspective on market risk, leverage, investment analysis and capital allocation.

Today, he brings that combination of mortgage experience, financial analysis, investment experience, sales experience and business perspective back to residential lending.

Current RoleMortgage Loan Originator & Branch Manager · West Capital Lending

EducationFinance studies at Cal Poly · MBA, USC Marshall School of Business · Full scholarship · Class President

PerspectiveResidential lending, commercial real estate, financial analysis, business development and executive sales

Investment & MarketsTeam Captain, winning team · thinkorswim High Probability Options Trading Competition · Proprietary securities trading · Real estate investing

Market EducationFounder of RatesOutlook

More Than a Rate

Start with the borrower’s bigger financial picture.

A mortgage decision can involve far more than the advertised interest rate. The structure should be evaluated in the context of the borrower’s goals and time horizon.

Look at the whole structure

Monthly payment, loan structure, closing costs, break-even period, expected time in the property, cash-flow objectives and available assets all matter.

Compare realistic alternatives

Depending on eligibility, that may include conventional, FHA, VA, jumbo, non-QM, bank-statement, DSCR, asset-based or other financing approaches.

Explain the tradeoffs

The objective is not to force every borrower into the same box. It is to make the choices understandable so the borrower can make an informed decision.

Following the Market

What is happening, why it matters and what to watch next.

Through RatesOutlook, Stan follows mortgage rates, Treasury yields, Federal Reserve policy, housing activity and economic data affecting borrowers and real estate professionals.

“Good mortgage advice should begin with an honest conversation about the numbers, the goals and the available options.”

Stan the Loan Man

A Relationship-First Approach

Some borrowers are ready today. Others need a plan.

Stan believes being useful sometimes means helping a borrower prepare for the right opportunity rather than forcing a transaction before it makes sense.

Some borrowers may need time to improve credit, build reserves, document income, reposition assets or simply wait for a better financing opportunity. Others are ready to move immediately.

Either way, the approach is the same: be accessible, explain the numbers clearly, present realistic options and help the borrower understand the decision.

Ready to explore your options?

GetRateNow.com is Stan the Loan Man’s dedicated mortgage inquiry platform. Share a few details about your goals so Stanley “Stan the Loan Man” La Ferr can personally help you explore options through West Capital Lending’s wholesale lender network.

One point of contact. More options. No call-center list. Your contact information is not sold to data brokers or distributed to multiple call centers for marketing.

Stan is your primary contact. Information may be shared with West Capital Lending, lenders and service providers as needed to evaluate and process your loan request.

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