Hi, I'm John Wei, Mortgage Loan Advisor and founder of WEI Capital Lending, powered by NEXA Lending.

For more than 20 years, my career has centered around helping individuals and families navigate important financial decisions. Before entering mortgage lending, I spent over two decades in the financial services industry, including roles with Bank of America and American Express, where I worked closely with clients on financial planning, wealth management, and long-term financial strategies.

My experience goes beyond traditional financial services. As a real estate investor and multifamily syndicator, I've helped acquire and manage more than $20 million in apartment communities, giving me firsthand experience evaluating real estate from both the financing and investment side of the transaction.

That combination of financial planning, real estate investing, and mortgage lending shapes the way I work with my clients today.

I don't believe a mortgage should be viewed simply as a rate and a monthly payment. For most people, real estate represents one of the largest financial decisions they'll ever make. My goal is to understand the bigger picture—your income, assets, investment objectives, future plans, and the property itself—and then help structure a financing strategy around those goals.

Through WEI Capital Lending and NEXA Lending, I have access to an extensive network of wholesale and specialty lenders, allowing me to offer financing solutions well beyond what any single bank may have available.

I work with everyone from first-time and move-up homebuyers to experienced real estate investors and high-net-worth borrowers. My lending capabilities include Conventional, FHA, VA, Jumbo and Super Jumbo, Non-QM, Bank Statement, 1099, DSCR and investment property financing, bridge loans, renovation financing, foreign national programs, ITIN loans, and other specialty lending solutions.

Being based in the San Francisco Bay Area, I understand that our real estate market often requires solutions that don't fit neatly into a traditional lending box—particularly with high-value properties, complex income, stock-based compensation, investment properties, condos, and self-employed borrowers.

That's where I believe a knowledgeable mortgage advisor can make a meaningful difference.

My philosophy is simple: understand the client's entire financial picture first, then find the financing that fits it.

Whether you're buying your first home, moving up, refinancing, building a real estate portfolio, or simply trying to understand your options, my goal is to be a long-term resource you can rely on—not just someone who closes your next loan.