Get the Best Home Loan Rate, Made Easy.
Stop Calling Multiple Banks! We Check 150+ Lenders For You so you don't have to.
✓ One application, hundreds of loan options
✓ Free advice with no pressure to sign anything
✓ No hidden fees or surprise costs
⭐⭐⭐⭐⭐ Trusted by 2,500+ families
ask us anything!
Got questions? We're here to help! Whether it's about mortgage rates, plans, or the process, feel free to ask us anything. We're ready to guide you every step of the way!
(949) 536-7410
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Why We're Different: We're Brokers, Not Bankers
Home Purchase
Refinance
Loan Options
Client Satisfaction
Personalized Solutions
Exceptional Customer Service
Your Journey to Homeownership Starts Here
As mortgage brokers, we work for YOU, not for one bank. This means:
We check 150+ lenders to find your best rate
We show you ALL your options, not just one
We have loan options banks don't offer
Find Your Best Mortgage Rate From 150+ Lenders With One Application
how it works
3 Simple Steps To Your Best Mortgage Rate
Quick Chat:
Tell us about your home goals (15 minutes)
Application:
We submit it to 150+ lenders for you
Pick Your Best Option:
We show you the top 3 rates and help you choose
what we offer ?
Mortgage Solutions For Every Situation
As brokers with access to 150+ lenders, we can help when others say no:
• Low credit scores? We have options
• Self-employed? We have special programs
• Need to close fast? We can do that
• Investment property? We have great rates
Bridge Loans
Bridge loans offer temporary financing, allowing you to purchase a new home before selling your current one. They provide quick access to funds, making your transition easier.
Fast Approval: Get funds quickly to secure your new home.
Flexible Solutions: Tailored to meet your specific needs.
Easy Transition: Simplifies the process of moving between properties.
Rental Loan
Rental loans help you finance investment properties, making it easier to generate rental income.
Tailored Financing: Custom loans for investment properties.
Competitive Rates: Favorable terms for better returns.
Expert Support: Guidance throughout the process.
Overseas Mortgage
Overseas mortgages enable you to finance property abroad, making international investments accessible.
Global Financing: Tailored solutions for international properties.
Expert Assistance: Guidance through cross-border transactions.
Flexible Terms: Competitive options for overseas investments.
Consultation
Our consultation services provide personalized guidance to help you navigate the mortgage process effectively.
Expert Advice: Tailored mortgage strategies for your needs.
Comprehensive Reviews: In-depth analysis of your financial situation.
Ongoing Support: Assistance at every step of your journey.
Refinancing
Refinancing allows you to adjust your mortgage terms, potentially lowering your monthly payments and saving on interest.
Lower Rates: Access competitive interest rates for savings.
Flexible Options: Tailored refinancing plans to meet your goals.
Expert Guidance: Support throughout the refinancing process.
Insurance
Our insurance services provide essential coverage to protect your home and investment.
Comprehensive Coverage: Tailored policies for your needs.
Peace of Mind: Protect against unforeseen events.
Expert Guidance: Assistance in selecting the right insurance options.
Q: Mortgage Broker With Access To 150+ Lenders
After working at big banks for years, we saw how they limit customers to just one set of loan options. As a broker, we now check 150+ lenders for each client, often finding rates and terms the big banks can't match. Our have helped over 2,500 families save money on their mortgages. We’re more than just a mortgage lender/bank—we’re your dedicated partner in making homeownership a reality. Our team works closely with you to understand your goals and provide tailored mortgage solutions that fit your lifestyle and budget. From first-time buyers to experienced investors, we’re here to offer guidance, support, and expertise every step of the way.
What Our Clients Say
I am writing to express my sincere appreciation for the outstanding assistance I received from Quyen Sy regarding my recent home mortgage refinance inquiry. From our initial conversation, Quyen demonstrated incredible patience and thoroughly answered all of my questions, no matter how detailed. His deep knowledge of the various refinance options available was truly impressive, and he was able to clearly explain which ones might best suit my financial situation. Furthermore, Quyen was consistently available and responsive throughout the entire process, which made a significant difference in my experience.
Great group of people to work with, painless and quick. They made all the paper work seamless and simple, some of the banks i've worked with in the past is very difficult because every lender works different and require different paper work. These folks tell you exactly what they need and made the process so simple with minimal back and forth. All done in less then 30 days. These guys are great to work with.
Quyen was wonderful to help get our loan. Great communication from start to finish. Highly recommend him and his company!
Frequently Asked Questions
What is the difference between a fixed-rate and an adjustable-rate mortgage?
• Fixed-rate mortgage: Your interest rate never changes for the entire loan term
• Adjustable-rate mortgage (ARM): Starts with a lower rate that can change later based on market conditions
• Fixed is best for: People who want predictable payments and plan to stay in their home long-term
• ARM is best for: People who plan to move or refinance within a few years
How do I know how much I can borrow?
• Your income: How much money you make each month
• Your debts: What you already owe on credit cards, car loans, etc.
• Your down payment: How much cash you have saved
Most lenders want your monthly housing costs to be less than 28% of your monthly income. We'll help you understand exactly what price range makes sense for your situation.
What documents do I need to apply for a mortgage?
Getting ready for your mortgage application? Here's what to gather:
• Income proof: Recent pay stubs and W-2 forms
• Tax returns: Last 2 years
• Bank statements: Last 2-3 months of all accounts
• ID: Driver's license or passport
• Current debts: List of what you owe on loans and credit cards
Don't worry if you're missing something - we'll help you figure out exactly what you need!
How long does the mortgage approval process take?
From application to closing keys, here's the typical timeline:
• Pre-approval: 1-3 days (get this before house hunting!)
• Loan processing: 2-3 weeks after you find a home
• Closing day: Usually 30-45 days after your offer is accepted
Some loans close faster than others. As brokers, we often close quicker than big banks because we can shop for the most efficient lenders.
What's the difference between a mortgage broker and a bank?
• Banks: Only show you their own loan options from ONE rate sheet
• Mortgage brokers (like us): Shop 150+ lenders to find your best rate
• Result: Our clients typically save $3,000-$8,000 in closing costs
• Bonus: We find creative solutions when banks say "no"
Think of it like this: Would you rather shop at one store or compare prices at 150 stores? That's the broker advantage
Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!
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