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
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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.
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.
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.
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.
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.
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.