Broker Near Me

Raj Bhandari

NMLS 1822802
37600 Central Ct 264, Newark CA 94560

Get to know me

What sets me apart as a mortgage loan officer is my strong financial and credit expertise combined with a client-first approach. I look beyond approval to understand each client’s full financial picture, ensuring the loan structure supports both short-term affordability and long-term stability. My goal is to provide clear guidance and a smooth, stress-free mortgage experience tailored to each borrower’s unique needs.

My experience

Licensed in:

California
Texas

Loan Products:

Adjustable-Rate Mortgages (ARM)
Conforming Loans
Conventional Loans
Fannie Mae
FHA
Jumbo Loans
VA

Years of experience:

5

Languages spoken:

English
Hindi
Nepali

Brokerage info

What you can expect from me.

Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.

What should clients expect when working with you from start to finish?

Clients can expect a clear, organized, and supportive experience, starting with a thorough review of their financial goals to create the right loan strategy. From pre-approval to closing, I provide pr

To start the process, clients typically need a photo ID, recent pay stubs, last two years of W-2s or tax returns, and bank statements showing funds for down payment and closing costs. If you’re self-e

I can provide accurate rate estimates using a soft credit review or no-pull scenario analysis, which allows clients to explore loan options without impacting their credit score. Once you’re comfortabl

I love helping first-time buyers, self-employed professionals, and clients who feel overwhelmed by the mortgage process. I make it easier by breaking everything down in simple terms, creating a clear

I typically connect with clients through referrals, social media, phone and video calls, and online applications. I make the process easy by meeting clients where they’re most comfortable—whether that

Raj Bhandari (CA) - Broker Near Me