Kim Anh Truong

8471 Pepperwood Cir, Westminster CA 92683

Get to know me

Serving California homebuyers and homeowners for 21+ years, with deep experience in VA loans and complex files (self-employed, multiple properties, and Non-QM). My goal is a smooth closing with no surprises—transparent pricing, strong documentation, and proactive communication. English & Vietnamese.

My experience

Loan Products:

Adjustable-Rate Mortgages (ARM)

Conforming Loans

Conventional Loans

Fannie Mae

FHA

Fixed-Rate Mortgages

Freddie Mac

Ginnie Mae

Jumbo Loans

Non-Conforming Loans

USDA

Years of experience:

Languages spoken:

English

Vietnamese

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?

Straight from day one: I run the numbers, get you the lowest rate + minimal costs, and keep your file clean so closing is smooth. Fast replies, clear updates—no guessing.

How do you provide rate quotes for clients who want to protect their credit score?

Soft-pull quotes don’t lower your FICO. I can estimate pricing with a soft pull or your current report, then do one hard pull only when you’re ready.

How do you support clients looking to improve their credit before applying?

We can do a rapid rescore to boost your FICO at no cost while we process your loan in parallel—clear pay-down steps, fast updates, and a plan to qualify ASAP.

Who do you love helping most, and how do you make the home loan process easier for them?

I love helping all clients—especially complex files. I simplify the steps, set a clear doc plan, stay ahead of conditions, and update you fast so closing is smooth, not stressful.

What documents do your clients need to start the process?

ID, income docs (paystubs/W-2s or tax returns), 2 months bank statements, and property docs (purchase contract/mtg stmt, leases). Self-employed: biz returns + YTD P&L.