Jason Heaps
Branch Manager and Mortgage Loan Officer at West Capital Lending, based in Orange County, California.
Background
Over a decade in the mortgage industry, originating loans across every major product category — conventional, FHA, VA, jumbo, non-QM, HELOC, and reverse mortgages (HECM and HECM-to-Platinum).
I hold an active California real estate license (DRE #2243927) and NMLS license (#916691). I'm also a Salesforce Certified Administrator and run a mortgage technology consulting practice, MarketProof Design LLC. The combination of active origination experience and software development background is unusual in this industry — and it's why this tool models the math correctly where most online calculators don't.
Why this tool exists
Most refinance calculators are basically marketing funnels with a calculator bolted on. They miss obvious wins like the FHA→Conventional MI elimination strategy, PMI removal refis, ARM-to-fixed conversions, and the blended-rate insight that determines whether a HELOC beats a cash-out refi for the 2020-2021 sub-4% mortgage cohort.
The honest answer is sometimes "don't refinance." This tool will tell you that when it applies. The credibility comes from getting the math right — not from talking everyone into a loan.
Get in touch
If you'd like to talk through a specific situation, the contact form is the fastest way to reach me. You can also run the Decision Tool — the lead form at the end of the analysis comes to me directly with the full context of your situation, which makes the follow-up conversation much more efficient.