Disclosures & licensing

Licensing, identifiers & required notices.

Funded by Tapia is a personal website for Sergio & Christine Tapia. Each is affiliated with a separate, independently licensed company. Their respective licensing and required disclosures are set out below.

Christine Tapia

Senior Loan Processor · Everyone's Loan Company DBA Everyone's Processing Company

NMLS
2030003
Address
523 Front Street #104, Lynden, WA 98264
Billing address
PO Box 707, Lynden, WA 98264
Licensed states
37 — full list below
Reviews
5.0★ average across 317 broker reviews (since September 2025)

Company policies:

Everyone's Processing Company is an Equal Housing Lender

State licensing

Sergio Tapia — lending

Sergio Tapia (NMLS 1536809, West Capital Lending, Inc.) is licensed to lend in the following 19 states:

AlabamaArizonaArkansasCaliforniaDelawareDistrict of ColumbiaFloridaIdahoIowaMaineMarylandMichiganOhioOregonSouth DakotaTennesseeTexasWashingtonWyoming

Christine Tapia — third-party processing

Christine Tapia (NMLS 2030003, Everyone's Loan Company DBA Everyone's Processing Company) is licensed to operate in the following 37 states:

AlabamaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIndianaIowaKansasKentuckyMaineMarylandMichiganMinnesotaMississippiMissouriMontanaNebraskaNew JerseyNew MexicoNorth CarolinaNorth DakotaOhioOregonPennsylvaniaSouth CarolinaSouth DakotaTexasUtahVirginiaWashingtonWest VirginiaWisconsinWyoming
Required notices

Equal Housing Lender

West Capital Lending, Inc.

West Capital Lending, Inc. is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract) because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act.

Everyone's Loan Company DBA Everyone's Processing Company

Everyone's Processing Company (EPC) is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract) because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

Affiliation & general disclosure

Funded by Tapia is a personal website for Sergio Tapia and Christine Tapia. Sergio Tapia is affiliated with West Capital Lending, Inc.; Christine Tapia is affiliated with Everyone's Loan Company DBA Everyone's Processing Company. These are separate companies, and nothing on this website should be read to suggest a joint venture or single legal entity between them.

This website is for general informational purposes only. It is not an advertisement for any specific loan product, not a commitment to lend, and not an offer to enter into an interest-rate-lock agreement. All deals are subject to review — including experience, FICO, market, and property considerations — and the lender makes the final determination. All loans are subject to credit review, underwriting approval, and program guidelines; rates, terms, and program availability are subject to change without notice and are not guaranteed. Processing fees shown on this site are average per-file pricing structures; final pricing is subject to deal complexity. Nothing on this site constitutes financial, legal, accounting, or tax advice. Consult a licensed professional regarding your specific situation.