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Find A Quick Way To MORTGAGE

You Deserve The Best Mortgage Experience 

We offer a wide range of mortgage options to meet your financial needs and circumstances. We are using winning combination of products, processes, technology, and people that turn you into happy homeowners.

tRADITIONAL loAN

 Conforming Loan

Jumbo Loan

Bridge Loan

FHA Loan

VA Loan

USDA Loan

Don't qualify for the traditional loan?
Consider the following: 
NON-QM Special Programs

Bank Statement Loan

  • No Tax Return

  • No Paystub

  • Up to 90% Loan Value

  • Min 600 Credit Score

  • Bank Statment ONLY

  • Best loan program for Self-Employment and

  • W-2 Employer

1099 Loan

  • 1099 Only

  • Min 600 Credit Score

  • Up to 80% Loan Value

  • 1099 Employer

1 Year Documation Loan

  • ONLY use 1 Year of income

  • Up to 90% Loan Value

  • Min 660 Credit Score

  • Best program for 1-year good income borrower

Community Loan

  • No Income

  • No Employment

  • No DTI (Debt to income)

  • Min 640 Credit Score

  • Two 12 months Tradeline

Foreign National Loan

  • No Permanent Resident

  • Up to 70% Loan Value

  • No Credit needed

  • No Income is needed for investment property

  • Reserve required in U.S. Bank

  • Eligible Visa: A-1/2/3 , B-1/2,  H-2/3, I, J-1/2, O-2, P-1/2, TN NAFTA, Laser Visa, F1 

Assets Qulifier Loan

  • No Income

  • No Employment

  • No DTI (Debt to income)

  • Min 700 Credit Score

  • Assets least = Loan Amount

Investor Cash Flow

  • 1-4 Units

  • No Income verification

  • No Employment verification

  • Min 600 Credit Score

  • Min 20% Down Payment

  • Rent vs. Mortgage ratio:

Investor Plus

  • 5-7 Units

  • No Income verification

  • No Employment verification

  • Min 660 Credit Score

  • Min 25% Down Payment

  • Rent vs. Mortgage ratio

  • 0.75:1

Foreign National Loan

  • Investment properties only

  • Min 30 % down payment

  • No Credit score needed

  • No Income verification

  • Reserve required in the U.S. Bank

  • Eligible Visa: A-1/2/3 , B-1/2, H-2/3, I, J-1/2, O-2, P-1/2, TN NAFTA, Laser Visa, F1

Maria Garcia:

   " Throughout our home buying experience, Stanley Chen was amazing. From the start of helping us get financially ready and setting out a plan, He laid the path to our home-owning success. His patience cooperation showed us that she genuinely wanted us to succeed. "

Justin Zhang:
(Restaurant Owner)

  " Lucas and team were wonderful to work with throughout the No income home buying process. I was referred to Lucas by a friend and I couldn't have asked for a better person to work with as a first-time home buyer. Lucas was super responsive and went above and beyond to help guide us throughout the process

Baiyan Fang:
(First time home buyer)

Well done and thank you SO very much! My situation and a tight timeline was tricky and you met the deadline with plenty of time to spare. That truly speaks to how well your office is run and the caliber of specialists who handled the processing of my entire loan!”

Client Reviews

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  • Better Rate

  • Reduce monthly payment

  • Know more about your programs